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If financial pressure from creditors is adversely affecting your life and you see no end in sight, consider talking to a Chino Hills bankruptcy lawyer at 844-639-5821 about how bankruptcy can be a game changer.

If financial pressure from creditors is adversely affecting your life and you see no end in sight, consider talking to a Chino Hills bankruptcy lawyer at 844-639-5821 about how bankruptcy can be a game changer.

A financial crisis can develop over time or occur suddenly when you are layed off from work or you or a loved one has a medical emergency. Debts you could once easily pay off are now a burden with creditors calling and threatening legal action. This can happen to any Chino Hills resident or business but there are solutions. Call a Chino Hills bankruptcy attorney today at 844-639-5821 to discuss your situation.
Bankruptcy is no longer a dirty word. A $795 Bankruptcy Lawyer Abogados de Bancarrota in Chino Hills can help ease your stress when filing Chapter 7 that can relieve you of unsecured debt. If you have a business, you can stay in business while paying off creditors if filing under Chapter 13 or Chapter 11. There are eligibility requirements for Chapter 7 and 13 that most Chino Hills consumers can meet. In most cases, you can retain most if not all of your assets. Meet with a Chino Hills bankruptcy attorney and see how bankruptcy can be the answer you are seeking.

Chapter 7 Bankruptcy

Debtors with primarily consumer debt can file for Chapter 7 relief if they meet the income requirements that do not exceed the state median for their household size or have disposable income below a certain sum. Chino Hills corporations and businesses can use Chapter 7 to wind up their businesses. Your Chapter 7 bankruptcy lawyer can discuss how this filing can allow you to keep your assets, return collateral on secured property if you wish and retain most or all of your assets. Consumer debtors have to attend two classes--a debt education class before filing and a debt management class before discharge, both of which can be arranged by the Chapter 7 bankruptcy lawyer. You and your Chapter 7 bankruptcy lawyer will attend a meeting with the trustee overseeing your case to briefly answer questions about your petition. Any discrepancies or amendments can be managed by your Chapter 7 bankruptcy lawyer. No court appearances are necessary in most cases and your Chino Hills bankruptcy lawyer can handle issues as they arise. After about 4 months, your unsecured debts will be formally discharged. Discuss the procedures with $795 Bankruptcy Lawyer Abogados de Bancarrota in Chino Hills.

Chapter 13 Bankruptcy

Chapter 13 is used by Chino Hills sole proprietorships, debtors who are ineligible for Chapter 7 or who have foreclosure or car repossession issues. You will need a steady source of income since you are repaying your creditors over a 3 or 5-year period. This plan, formulated by your Chapter 13 bankruptcy attorney, can include mortgage and car loan arrearages. Also, some secured debt can re re-valued. Your Chapter 13 bankruptcy attorney can explain the procedure to you. There are debt limitations that your Chapter 13 bankruptcy attorney can assess and see if they can be brought to within the debt limits if this is an issue. Debtors make a single monthly payment to the trustee to distribute to creditors with secured creditors first and who have priority. Unsecured debt such as junior mortgages can be discharged at the conclusion of the repayment period. Seek the advice of a Chapter 13 bankruptcy attorney if you have a situation similar to this. Call the $795 Bankruptcy Lawyer Abogados de Bancarrota in Chino Hills today.