Don't lose out on filing - call a Sacramento bankruptcy attorney before it is too late!
If you think you might need a Sacramento bankruptcy attorney for help to discharge your debts, call now. Whether you qualify for Chapter 7 or Chapter 13 protection, a qualified Sacramento bankruptcy attorney can give you real advice based on his or her experience in debt consolidation and liquidation filings.
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Sacramento
2949 Fulton Ave. Sacramento, CA 95821 Map | Directions | Case Evaluation |
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1006 4th Street 10th Floor Sacramento, CA 95814 Map | Directions | Case Evaluation |
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Sacramento
2740 Fulton Avenue Suite 130 Sacramento, CA 95821 Map | Directions | Case Evaluation |
Sacramento
930 Alhambra Blvd. Ste. 150 Sacramento, CA 95816 Map | Directions | Case Evaluation |
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Sacramento
25 Cadillac Drive, Suite 200 Sacramento, CA 95825 Map | Directions | Case Evaluation |
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If you’re in financial trouble and you aren’t sure what to do next, a Sacramento bankruptcy attorney can explain your options. You may be unfamiliar with the differences between a Chapter 7 and a Chapter 13 bankruptcy petition, and not know which is right for you. You may not even know whether bankruptcy is the right option for you. A Sacramento bankruptcy attorney can assess your situation and explain the possibilities to you.
Get experienced advice in a free, no obligation consultation
Call Total Bankruptcy at 1 (877) 349-1309 and talk to a sponsoring California bankruptcy attorney. During this no-cost, no-obligation consultation, the attorney can answer your questions and advise you on which type of bankruptcy case—if either—might be right for you.
Trying to do the best for every client.
The attorney will explain the difference between Chapter 7 and Chapter 13 bankruptcy as it applies to your situation. In general, however, you could qualify for a Chapter 13 if you can satisfy the following three requirements
- You must have a regular source of income. Because you must be able to meet the terms of your repayment plan, the Code requires that your income be "stable and regular" if you wish to file a Chapter 13.
- You must have enough disposable income. You must have income left over after your expenses for basic human needs each month to allow you to make your monthly payments in a timely fashion under your repayment plan.
- Your debts must 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 are not 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).
Generally, a Chapter 7 filing is appropriate when most of your debts are unsecured, such as credit card debts and medical bills. Exemptions vary by state but typically include your residence, certain items of personal property, tools and work equipment and your vehicle. Many Chapter 7 debtors find that exemptions protect all of their assets.
To find out more, call 1 (877) 349-1309 today or fill out our free secure online evaluation form.
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