Put and End to Debt Worries
The pressure of debt problems can be overwhelming at times. The creditors keep calling, you don't want to answer your phone any longer, you are worried about losing your home and your credit card bills are out of control.
If this sounds familiar, bankruptcy may be the answer for you. While bankruptcy is not the right answer for everyone, it has helped millions of people like yourself put an end to debt worries and find a new path to a brighter financial future.
A bankruptcy may allow you to:
- Avoid a home foreclosure
- Stop a wage garnishment
- Prevent an auto repossession
- Put an end to creditor harassment
Many people who need financial help are afraid to consider bankruptcy because they are worried about the effect on their credit. But paying bills late every month and sinking further into debt is not the answer.
Schedule a consultation with an experienced bankruptcy lawyer to learn if bankruptcy may be the solution to your debt problems. Call 949-421-3030 to contact The Kushner Law Firm in Aliso Viejo, California. We can help.
Chapter 7 Bankruptcy
Our law firm handles both Chapter 7 and Chapter 13 bankruptcy claims. Each option has its own advantages. A Chapter 7 bankruptcy is a debt liquidation bankruptcy in which most forms of debt are completely discharged. With a Chapter 7 bankruptcy, a person may eliminate credit card debts, medical bills and other unsecured debts. To be eligible for Chapter 7 bankruptcy, you must satisfy an economic means test. Most of the people who contact our office are pleasantly surprised to find that they are eligible for Chapter 7 relief.
What many people do not know about Chapter 7 bankruptcy is that you can save some of your property. It is true that some of your property may be liquidated, but you may be able to discharge your debts and still keep many of your vital assets, including your home and your car. Contact our law office to learn more.
Chapter 13 Bankruptcy
For people who are not eligible for Chapter 7 bankruptcy, Chapter 13 bankruptcy is a great alternative. Chapter 13 bankruptcy is also preferred by some individuals who are working and have significant assets they want to protect.
A Chapter 13 bankruptcy is like a debt repayment plan. Typically, a person who is eligible for Chapter 13 relief is placed on a three or five year debt repayment plan which is made a part of a bankruptcy court order. In addition to getting additional time to pay bills, you may also be able to discharge a certain part of your debt. Chapter 13 bankruptcy is often used by people who are late on their home payment and want to protect their home from foreclosure. Even if the bank has started foreclosure proceedings, a Chapter 13 bankruptcy may allow you to stop a home foreclosure.
Contact an Orange County Bankruptcy Attorney
To learn more about Chapter 7 bankruptcy, Chapter 13 bankruptcy, loan modifications and other debt relief assistance, contact The Kushner Law Firm today.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
