Don’t Let Debt Defeat You… Our Orange County Chapter 7 Attorney Catherine Christiansen Can Help Provide a Fresh Start!
If you’re plagued by debt, filing Chapter 7 bankruptcy may be the most effective way to protect yourself from creditor harassment and start afresh.
Christiansen Law Office is a licensed bankruptcy attorney ready to help you file for Chapter 7 and make the phone calls stop. We’ve helped numerous clients absolve themselves of debt and can do the same for you. Some advantages to filing Chapter 7 with Christiansen Law Office include:
- Help to analyze your debt
- Determining your property exemptions
- Assuring your eligibility for Chapter 7
- Reaffirming your secured debts
- Assistance filing all the necessary Chapter 7 forms
Beyond guiding you through the Chapter 7 process, Christiansen Law Office will instruct you as to the best course of action. Chapter 7 isn’t for everyone, and there are numerous factors to consider. No matter your situation, you can always trust Christiansen Law Office to provide honest bankruptcy legal counsel that helps with your debt.
Don’t Let Debt Ruin Your Life; Get Your Debt Absolved With the Help of Christiansen Law Office.
To schedule a free consultation with our Chapter 7 lawyer, please call us today!
Why Should You Choose Christiansen Law Office?
- Free Initial Consultation
- Individual Financial Survival Plan
- CDCBAA Board Member
- NACBA Member
- Christian Legal Society Member
- Payment Plans Available
Chapter 7 bankruptcy, or personal bankruptcy, is what many people think of when they hear the word “bankruptcy.” It accomplishes one very straightforward end: the liquidation of most of your debt. Although there are certain forms of debt that cannot be discharged by a Chapter 7 bankruptcy, this type of bankruptcy will allow you to get free from crushing debt without the need to repay any of it and without the fear of harassing creditors because your debt will be discharged.
Chapter 7 Timeline
Chapter 7 is typically a 4 to 6-month process that requires you to attend an administrative hearing. This happens about 30 days after the filing of your bankruptcy petition. The discharge is normally granted 60 days from the date of this Meeting. Under certain circumstances, it is possible for the bankruptcy case to remain open for much longer than this (but only in extreme cases).
What are the advantages of Chapter 7 Bankruptcy?
One of the best advantages is the “automatic stay against collections,” that begins the moment the petition is filed. The automatic stay will stop wage garnishments, stop the foreclosure of your home, prevent the perfection of liens, require collectors to return repossessed or seized automobiles or other property, and under some circumstances even force garnished bank or wage funds to be returned.
Disadvantages of Chapter 7 Bankruptcy
A bankruptcy can remain on your credit report for 10 years from the date of filing. You will have to work to repair your credit after this period of time. However, getting new credit is not as hard as many individuals believe… and a Chapter 7 discharge of debt can dramatically alter your debt-to-income ratio for the better. It can increase your credit score under certain circumstances, depending upon the actions you take after your Chapter 7 discharge.