Experienced Chapter 7 Bankruptcy Lawyer
If you find yourself burdened with credit card debts, mounting medical bills, a dramatically-increased mortgage payment and other obligations you cannot afford to pay, Chapter 7 bankruptcy may be right for you. Filing for Chapter 7 bankruptcy puts an immediate stop to creditor harassment, and most cases are completed within 90 to 120 days.
At the Law Offices of James A. Pixton, with offices in Oakland, Alameda and Modesto, California, we help clients file for Chapter 7 bankruptcy protection so they can get fast debt relief. Contact us to schedule a free 30-minute consultation about your Chapter 7 options with experienced bankruptcy lawyer James A. Pixton.
A Fast Road to Debt Relief
Chapter 7 bankruptcy is a process of permanently eliminating (discharging) eligible debts by demonstrating to the bankruptcy court that you cannot afford to pay them. The moment you file for Chapter 7 bankruptcy, creditors must stop calling and harassing you.
Personal bankruptcy under Chapter 7 is commonly referred to as "liquidation bankruptcy," and for that reason many people believe they will have to give up everything they owe if they file.
In fact, most people who file for Chapter 7 bankruptcy come out with the same property they had before they filed.
Chapter 7 bankruptcy is not right for everyone. If you are primarily concerned with avoiding foreclosure or repossession, or if you have a steady stream of income, Chapter 13 bankruptcy may be your best option. Attorney James A. Pixton will explain the benefits and consequences of each type of bankruptcy as well as how they would affect your particular circumstances.
Understanding the New Eligibility Requirements
Many people are aware that Congress changed the bankruptcy laws in 2005, and mistakenly believe that it is now impossible for them to file for Chapter 7 bankruptcy. Although Congress did impose more eligibility requirements for Chapter 7, it is still possible for you to get bankruptcy protection.
Contact us today to discuss whether you are eligible for Chapter 7 bankruptcy and whether filing for Chapter 7 is the best way to achieve your personal debt relief goals. You can call us at 510.451.6200 or 209.523.3030 or send us an e-mail.
