Are you tired of struggling to pay your bills? Does the amount you owe seem to grow and grow out of control? Are you ready to get your life back and put an end to your problems with debt? Come to 1
We are located in Santa Ana, and our bankruptcy attorney serves clients throughout Orange County. We make it our mission to help our clients pursue relief from their debts and to make a fresh start financially, and we are ready to help you.
Many people don't know where to turn when their debts start piling up, only adding to their financial struggles. Though it is a very complex tool, bankruptcy can provide financial relief to many individuals and families. If you are looking for a fresh start, our firm may be able to guide you through this difficult process. When evaluating whether bankruptcy is right for you or not, it is essential to develop an understanding of the alternatives and other options you have available.
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It is also important to understand the different chapters, such as Chapter 7 and Chapter 13, and how they can affect your debts and future. Along with that, you will need to assess your eligibility for bankruptcy. Our Orange County bankruptcy lawyer can help you gain a better understanding of whether you can file for bankruptcy and what might be the best chapter to file under.
If you are heavily in debt and facing creditor lawsuits, home foreclosure or repossession of a vehicle, bankruptcy could be a viable option that might bring you tremendous relief. You should also consider bankruptcy if you are living paycheck to paycheck, using your credit cards to meet basic living expenses or borrowing money from family and friends to pay your bills. For businesses that are struggling financially, bankruptcy might also be an appropriate option.
We understand precisely how it feels to wonder how you're going to settle your debt, if you're going to lose your house, or if you entire way of life is about to change. This fear is palpable, but you are not alone. Our bankruptcy law professionals have decades of experience, and we know what can be done in your case to ensure your safe landing through the process. We work to protect your interests and those of your family.
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Whether you have questions or you’re ready to get started, our legal team is ready to help. Complete our form below or call us at (714) 881-7300 .OurOrange County Bankruptcy Attorneyis an experienced attorney in handling Chapter 7 and Chapter 13 consumer bankruptcy cases. Like many other regions through the U.S., Orange County has experienced an increase of unemployment, and home values. As a result, many individuals have had to seek the legal assistance of an Orange County bankruptcy attorney. Our founding attorney, Norma Duenas, has experience in working with Orange County residents to eliminate their unsecured debt, stop the foreclosure of their homes, stop an eviction if filed in time, stop embarrassing wage garnishments, stop creditor lawsuits, and stop the harassing creditor calls. Our attorney will provide you with a free initial consultation and answer any questions you may have about filing for bankruptcy. Norma Duenas is Super Lawyers rated , which recognizes top lawyers in Southern California. She is also Lead Counsel verified with Lawinfo.
Call now to setup a free initial consultation with our Orange County bankruptcy attorney Norma Duenas. During your initial evaluation our attorney will review your case and assess your situation. The initial consultation will ensure that our attorneys can gather valuable information to assess your situation accurately.
We can successfully help stop creditor calls, get rid of credit card debt and medical bills, stop foreclosure, and stop garnishments. Many people wait to consult with a lawyer about their financial situation until they are being sued or garnished by a creditor. If you are having financial difficulties, you should consult with an attorney early to learn about your options. Consulting with an Orange County bankruptcy attorney early avoids you finding yourself in an emergency situation where you are being sued by a creditor or being garnished and do not have the funds to pay to file for bankruptcy. We will provide you with an affordable payment plan and low fees to file for bankruptcy.
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Once your bankruptcy case if filed the automatic stay will stop creditors from calling you, filing a lawsuit, and placing liens on your home or personal property. Call us today to set up a free consultation.
The type of bankruptcy case that you can file will depend on looking at your current income, assets and what makes financial sense in your current situation. There are two main types of consumer bankruptcy cases filed:
Chapter 7 Bankruptcy– This type of bankruptcy is generally referred to as a liquidation bankruptcy. Chapter 7 bankruptcy allows you discharge credit card debts, medical bills, personal loans, pay day loans and older tax debt.
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Chapter 7 bankruptcy is not a repayment plan. In order to qualify for a Chapter 7 bankruptcy you must pass the means test formula that looks at your last 6 months of income. Even if you qualify for Chapter 7 bankruptcy it is not always advisable to file this type of bankruptcy. An experienced Orange County bankruptcy attorney can determine whether filing for Chapter 7 is a good option.
The bankruptcy laws provide exemptions that protect assets in bankruptcy. It may not be advisable to file a Chapter 7 bankruptcy if the bankruptcy exemptions will not protect your assets. When an asset is not protected in a Chapter 7 bankruptcy, then a Trustee assigned to your bankruptcy case may sell the asset for the benefit of your creditors. A bankruptcy attorney can review your assets and determine whether they are protected in a bankruptcy.
Chapter 13 Bankruptcy–A Chapter 13 bankruptcy is often referred to as reorganization bankruptcy. A Chapter 13 Plan provides for repayment of creditors in a 3 to 5 year plan. If you do not qualify for a Chapter 7 bankruptcy then you may need to file for Chapter 13 bankruptcy. Chapter 13 bankruptcy is also a good option where you have unprotected assets that would have been sold in a Chapter 7 bankruptcy. In a Chapter 13 bankruptcy your assets will not be sold, even if the bankruptcy exemptions are insufficient to protect them. A Chapter 13 bankruptcy does not necessarily require a full repayment of all of your creditors. How much of the debt you will need to pay back will depend on a number of factors including looking at the means test, the value of your assets, and debts that you need to pay back (priority taxes, arrears on home, child support, etc). Chapter 13 plan payments to unsecured creditors can range from 0% to 100%.
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Filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy requires that you file a petition with the bankruptcy court that includes schedules and statement of financial affairs. The documents that you need to file can be found here: Bankruptcy Petition Forms
The forms are lengthy and can be confusing. Hiring an Orange County bankruptcy attorney can save you a lot of time and effort in getting your bankruptcy case complete.
When you file for bankruptcy in Orange County your case will be assigned to the Bankruptcy Court located in Santa Ana. You case will also be assigned to a Chapter 7 or Chapter 13 Trustee for Orange County. A Orange County bankruptcy attorney can guide you on what each bankruptcy trustee requires you to provide to them as part of your bankruptcy. If you file for Chapter 7 bankruptcy in Orange County you will be assigned one of the below trustees:
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You can learn more information about filing for Chapter 13 bankruptcy in Orange County by going to: Chapter 13 Bankruptcy Orange County
After filing your bankruptcy you will have a 341 hearing conducted by the Chapter 7 or Chapter 13 Trustee in Orange County. At the hearing the trustee will ask questions regarding the documents that were filed in your case. For a Chapter 7 bankruptcy you must provide your last filed tax return at least 7 days prior to your 341 hearing. In a Chapter 13 bankruptcy you must provide the last 2 years of filed tax returns. In addition to tax returns, each trustee may have additional requirements and documents that you need to provide prior to your hearing.
At the 341 hearing the trustee will ask you questions regarding the filed petition and documents in your case. When you have hired an Orange County bankruptcy attorney, they will generally appear at your hearing and help guide you on the types of questions and issues that may arise in your bankruptcy. Below is a list of some of the common questions that bankruptcy trustees ask at the 341 Hearings:
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Many Americans struggle each month to make their mortgage payment. If you find yourself in a home you can no longer afford, the federal bankruptcy laws can provide a legal means to save your home on terms you can afford.
A Chapter 13 bankruptcy is
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