Bankruptcy is your legal right if you have taken on unmanageable debt, fallen behind on monthly payments or are in danger of having your home foreclosed.
An Orange County bankruptcy lawyer can help you explore how Chapter 7 bankruptcy may eliminate high-interest credit card debt and medical bills, or how Chapter 13 bankruptcy may halt foreclosure and allow you to keep your home.
Don't hesitate. Speak with a local bankruptcy attorney today. Simply fill out the form below or call 877-349-1309 to connect with a bankruptcy attorney in Orange County for a free case evaluation.
Personal bankruptcy laws give you options when it comes to taking control of your debt. The two most common types of personal bankruptcy are Chapter 7 and Chapter 13 bankruptcy.
In Chapter 7 bankruptcy, credit card debt, medical debt, personal loans and other types of unsecured debts may be wiped out by the bankruptcy court for a fresh start.
Chapter 7 bankruptcy is typically an option for those with unsecured debts, little property of value, and little income. Chapter 7 cases typically move relatively quickly, with most filers receiving a complete debt discharge within 6 months.
Chapter 7 filers must pass a means test in order to prevent suspicion of bankruptcy abuse. A local bankruptcy attorney can help you learn more about the means test and whether you may qualify for Chapter 7 bankruptcy.
In Chapter 13 bankruptcy, individuals are often able to halt foreclosure proceedings and other collection efforts and create a plan to repay debts over time.
Chapter 13 bankruptcy is typically an option for those with mostly secured debts (like mortgages and car loans), property of value (including multiple homes and cars), and regular income.
After filing Chapter 13 bankruptcy, the bankruptcy court works with debtors and creditors to create a repayment plan, which gives you the opportunity to repay debts over three to five years.
Some debts may be decreased as part of the plan, while others may be completely eliminated. The specifics of your repayment plan will depend on the amounts and types of debts, your level of income and your non-exempt assets.
Whichever bankruptcy chapter you file in Orange County bankruptcy court, you should receive the benefit of the automatic stay - a court order that puts an immediate stop for collections efforts including foreclosures, phone calls and letters.
The automatic stay should last throughout the duration of your case and may help you get the breathing room you need while your bankruptcy is pending.
An Orange County bankruptcy attorney can explain the automatic stay, and the California bankruptcy laws, in more detail, including how they may stop lawsuits.
If you have more questions about how filing bankruptcy can provide debt relief both today and in the long run, connect with a local bankruptcy attorney.
Don't delay. You can speak with an Orange County bankruptcy lawyer today by simply filling out our form below or calling 877-349-3109. We can put you in touch with a bankruptcy attorney in your area for a free case evaluation.
See our complete list of sponsoring Orange County bankruptcy lawyer locations.
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