We address all perspectives involved, including the intersection of bankruptcy and family law issues like divorce and separation. Under certain conditions, we can even help you get rid of your second or third mortgages while still keeping your home.
Recent bankruptcy legislation has led to widespread concern regarding the ability to qualify for bankruptcy relief. Bankruptcy is still an option for many California residents. We are creative and innovative in our approach to finding options for everyone. We are steadfast in our resolve to help clients become free of their debt burdens and we are with you every step of the way.
Santa Barbara And Ventura County Chapter 7 Lawyers
Depending on your financial situation and your objectives, there are different options and advantages with Chapter 7, Chapter 11 and Chapter 13 bankruptcy:
- Chapter 7 is the most common form of individual bankruptcy. Debt from credit cards, medical bills and other unsecured sources are usually discharged, giving you a clean slate to start again. In most cases, you can, if you wish, keep your home (and the mortgage).
- Chapter 13 is a common choice for those who may not qualify for Chapter 7 or those who want to rid themselves of a second mortgage. Chapter 13 involves consolidating all debt into a monthly payment plan. At the end of the plan, most remaining debts will be discharged. With Chapter 13, you can get back on track with car, mortgage or other loan payments.
- Chapter 11 is a more complex bankruptcy option available for individuals who have unusually large debts, usually because they own multiple properties with significant mortgages that they wish to keep. If this is your situation, the experienced bankruptcy attorneys here will assist you with that process.
Call Now For A Free Consultation
Your first consultation is always free. Contact us at 805-666-0966 or fill out the online form. One of our attorneys will be in touch as soon as possible. Off-site, evening and weekend appointments are available.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.