If you are in financial trouble it may be important that you talk to a Fresno bankruptcy lawyer for Chapter 7 and Chapter 13 advice.
You should call toll free 1-877-349-1309 to find an experienced Fresno bankruptcy lawyer. It may be hard for debtors to discharge their debts. Consumer advocates are worried that the bankruptcy laws may adversely impact low income working people, single mothers, minorities and the elderly. This law may be especially harsh on those who have lost their jobs or who have incurred high medical expenses that they may not be able to afford to pay.
The bankruptcy laws require every debtor receive credit counseling before they can obtain the services of a Fresno bankruptcy lawyer. It may be difficult to wipe out credit card bills and other unsecured loans - loans that aren't secured by a house or other assets.
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Total Bankruptcy - A great source of information
Total Bankruptcy is an all-inclusive informational Web site designed to help educate consumers on their rights. From information on current laws, to finding a good Fresno bankruptcy lawyer, we offer a wide range of information to help our clients make more educated decisions. With the help of a qualified California bankruptcy lawyer you may be able to eliminate your debt without permanently damaging your credit. But don't delay - you should call 1-877-349-1309 today or click here for our secure evaluation form to schedule your consultation today.
Our goal is to help you determine the reasons you fell into financial straights, the most effective way to resolve your difficulties, and to connect you with people who are highly equipped to guide you through whatever resolution may be best for you.
Chapter 7 and Chapter 13 filings
To qualify for a Chapter 7 filing most of your debts should be unsecured, such as credit card debts and medical bills. Exemptions vary by state but may typically include your residence, certain items of personal property, tools and work equipment and your vehicle. Currently, most of your exemptions should protect all of your assets. If not, your court-appointed trustee should ask to begin liquidation proceedings to pay your creditors. In most cases, however, the trustee should only liquidate if he can obtain enough money from a sale to make a significant payment to your creditors. If creditors are paid or a settlement reached, your debts should be permanently wiped out.
You may qualify for a Chapter 13 if you have a regular source of income to make your monthly payments under your repayment plan. Your debts also may not be too high. If your secured debts (which include loans you have secured by liens on your property, such as your home and auto loans, and even IRS tax liens) exceed $922,975, you may not be eligible for a Chapter 13. Also, your unsecured debts may not exceed $307,675 (unsecured debts are debts for which you have not pledged any of your property as collateral-such as most credit card debt, personal loans, and utility bills).
Call 1-877-349-1309 or fill out our free secure online evaluation form to see if you qualify!
Click Here For a Free Bankruptcy Evaluation
The purpose of this web site is to help you learn everything you need to know about bankruptcy, the process, your bankruptcy attorney and your legal rights. The best place to start is with the U.S. Bankruptcy Code. It delivers protection to people in financial jeopardy who are suffering under mountains of debt. Bankruptcy is your legal right.