Who is Chapter 7 For?
• Filing Chapter 7 bankruptcy can help people who have financial problems because of job loss, divorce, uninsured medical bills, loss of a family wage earner, or high amounts of credit card debt. If you earn a high income, you may not be eligible to file Chapter 7, but you may still be able to seek relief from your debt under Chapter 13 bankruptcy.
• Chapter 7 is most helpful to people who do not own high-value real estate or many high-value personal possessions, and whose income is too low to pay off their debts.
• California is a community property state. This means that property earned or obtained during a marriage is "community property" which belongs equally to both spouses. Even if only one spouse files for bankruptcy, all of the community property (property belonging to both spouses together) will be taken into the bankruptcy as the "bankruptcy estate." Property in the bankruptcy estate, if not exempt from creditors, is potentially available to repay "community creditors" AND creditors of the filing spouse during bankruptcy. The non-filing spouse’s separate property (such as inherited property, or property owned before marriage by that spouse, and kept in their name alone) is generally not included in the bankruptcy estate.
• If you are married, your attorney can help you decide if it would be better to file bankruptcy separately, or jointly with your spouse.
Call San Diego Law Firm for Bankruptcy Help
If you are receiving phone calls from creditors and letters from collection agencies, or are facing garnishments, repossession, or foreclosure, you can get relief now by exercising your right to file bankruptcy. There is no cost to take advantage of our free consultation to discuss how Chapter 7 bankruptcy can help you.
- We’ll explain all of the options available to you under the new bankruptcy laws.
- We can stop garnishments, attachments, repossessions, foreclosure, and eviction.
- Once you retain our office to file your case, we’ll handle all of the calls from your creditors.
How to Contact San Diego Law Firm
We handle matters throughout California, and new clients are always welcome. For more information or to make an appointment, please contact us either by:
Telephone: (619) 794-0243
E-mail: contactus@SanDiegoLawFirm.com
Contact Form:
You may also use the
form below to contact us. We will answer you as quickly as we can during our business hours, Monday through Thursday, 8:00 AM to 7:00 PM, and Friday 8:00 AM to 5:00 PM. Please remember that before we can become your attorneys, we must both first sign a written attorney-client agreement, so please do not email any confidential information at this point. After we have reached an agreement with you, we can then exchange information freely. We look forward to helping you.