arrFiles=new Array();arrFiles[0]=new Array("Attorney_Antico.pdf","Attorney_Antico.pdf","CASE INFORMATION Jurisdiction: Venue: Hale Andrew Antico, Esq. (888) 54-BK LAW If you are unsure about an answer leave it blank!Domiciled in District for 180 days immediately preceding the filing Bankruptcy case concerning affiliate ... in District Debtor is a debtor in a foreign proceeding ... in District Exemption Law: Filing Fee: if not attached$ $ $ $With the petition, or on or before: on or before: on or before: Request Waiver on or before:OnlyDebtor Type: Individual: JointSingle MarriedftwareSoForms-Corporation (includes LLC and LLP): Partnership Other:Nature of Debts: Chapter/Section: Consumer 7 9Private Public24][1-800-998-24 11Business 12If married but only one party is filing bankruptcy, check the individual box and the married box. If you are divorced, or a widow or widower, check the individual box.13 15Inc.EZ-Filing,Funds will be available for unsecured creditors. Statistical Information (emergency filing only)Estimated Creditors: 1-49 50-995,001-10,000 Estimated Assets: $0 to $50,000 10,001-25,000100-199 25,001-50,0000061993-2©200-999 1,000-5,00050,001-100,000 over 100,000$50,001 to $100,000 $101,001 to $500,000 $500,001 to $1 million $1,000,001 to $10 million $10,000,001 to $50 million $50,000,001 to $100 million More than $100 million Exhibit C (if applicable)Estimated Liabilities: $0 to $50,000 $50,001 to $100,000 $101,001 to $500,000 $500,001 to $1 million $1,000,001 to $10 million $10,000,001 to $50 million $50,000,001 to $100 million More than $100 millionI/We own or have possession of property that poses or is alleged to pose a threat of imminent and identifiable harm to public health or safety. Notes Attach full description of property and its location.DEBTOR Legal Name (last name first): How you sign your name: All other names used by you in the last six years: Hale Andrew Antico, Esq. (888) 54-BK LAW If you are unsure about an answer leave it blank!Include married, maiden, and trade namesSocial Security Number: Taxpayer Identification Number: Street address: If more than one, list all numbersMailing address:OnlyIf different from street addressftwareSoForms-24][1-800-998-24Inc.EZ-Filing,0061993-2©County of Residence: Prior Bankruptcies Location of Filing: Case Number: Date Filed: Location of Filing: Case Number: Date Filed: Pending Bankruptcy (filed by any spouse, partner, or affiliate) Debtor Name: Case Number: Date Filed: District: Relationship: Judge: NotesIf more than two, attach additional sheetsIf more than one, attach additional sheetsPlease list all telephone numbersASSETS (property you own) Type of property: Real Estate (real property)Other (personal property)Schedule B (personal property) category: (refer to column on right) Description and location of property: (if real estate, please provide the legal description)If you are unsure about an answer leave it blank! Personal Property Categories:1. 2. 3. 4. 5.6. 7. 8. 9.Cash on hand Deposits of money Security deposits Household goods, supplies, and furnishings Books, pictures, art objects; stamp, coin, and other collections Wearing apparel Jewelry Firearms, sports equipment and other hobby equipment Interests in insurance policiesOnlyftwareSo Ownership: Single Individual [n/a] Husband Wife Joint CommunityForms-24][1-800-998-24Inc.EZ-Filing,0061993-2©Market Value: $ Date Purchased: If real estate, state your interest: If you still owe money on this property, list to whom: 1. 2. 3. Your attorney will complete the following: Exemption Statute: Exemption Statute: Exemption Statute: NotesAmount: Amount: Amount:10. Annuities 11. Interests in an education IRA 12. Pension or profit-sharing plans 13. Stock interest in incorporated and unincorporated companies 14. Interests in partnerships 15. Government and corporate bonds and other negotiable and non-negotiable instruments 16. Accounts receivable 17. Alimony, or family support 18. Other liquidated debts owing debtor, including tax refunds 19. Equitable and future interests, life estates and rights or powers 20. Contingent and noncontingent claims 21. Other contingent and unliquidated claims 22. Patents, copyrights and other intellectual property 23. Licenses, franchises and other general intangibles 24. Customer lists or other compilations containing personally identifiable information 25. Automobiles, trucks, trailer and other vehicles 26. Boats, motors and accessories 27. Aircraft and accessories 28. Office equipment, furnishings and supplies 29. Machinery, fixtures, equipment and supplies 30. Inventory 31. Livestock, poultry and other animals 32. Crops 33. Farming equipment and implements 34. Farm supplies, chemicals and feed 35. Other personal propertyLIABILITIES (debts you owe)Type of debt: Creditor Name: Address: Unsecured Secured Priority Notice Only If you are unsure about an answer leave it blank!Contact: Account Number: Responsible Party: Amount Owed: $Telephone:Single Individual [n/a] Husband Wife Joint CommunityIf priority debt, amount of priority: $Date of Claim: (list the date claim was incurred, nature of lien and any property subject to that lien)OnlyftwareSo Your intent: Surrender Reaffirm Redeem ExemptForms-24][1-800-998-24Assignees (list the names and addresses of any parties attempting to collect on behalf of this creditor) Name: Address:Inc.EZ-Filing, Contact: Telephone:0061993-2©Codebtors (list the names and addresses of any persons that are liable for this debt with you) Name: Address:If a priority debt, indicate the type of priority: Domestic Support Obligations Extensions of credit in an involuntary case Wages, salaries, and commissions Contributions to employee benefit plans Certain farmers and fisherman Deposits by individuals Taxes and certain other debts owed to governmental units Commitments to maintain the capital of an insured depository institution Claims for death or personal injury while debtor was intoxicatedContact: Name: Address: Telephone:Contact: Notes Telephone:EXECUTORY CONTRACTS Other Party: Address:Contact: Description: Telephone:If you are unsure about an answer leave it blank! List all contracts or leases which will continue after your bankruptcy is filed. Describe all executory contracts of any nature and all unexpired leases of real property or personal property. Include any timeshare interests.Intent: Assume Reject (Chapters 7 and 13 only)OnlyftwareSoForms-Additional Parties to Contract Name: Address:24][1-800-998-24Inc.EZ-Filing,Contact: Name: Address: Telephone:0061993-2©Contact: Notes Telephone:INCOME Marital Status: DependentsHale Andrew Antico, Esq. (888) 54-BK LAWOther: If you are unsure about an answer leave it blank! Single Married Divorced SeparatedName Age RelationshipDo not repeat information you \'ve entered on either the debtor or spouse formEmployment Occupation: Employer: How Long? Address of Employer:OnlyftwareSo Paycheck Weekly Bi-Weekly Semi-Monthly MonthlyForms-24][1-800-998-24Inc.Gross Earnings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Overtime . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Total Earnings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Federal withholding tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Social Security (FICA) tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Medicare tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . State withholding tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other city/municipal tax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Union dues . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other deductions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Net Paycheck . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other income (monthly) Regular income from business or profession . . . . . . . . . . . . . . . . . . Income from real property . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Interest and dividends . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Alimony, maintenance or support payments . . . . . . . . . . . . . . . . . . Social Security or other government assistance: . . .Pension or retirement income Other monthly income:. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .EZ-Filing,0061993-2©$ $ $ $ $ $ $ $ $ $ $ $$ $ $ $ $ $ $ $NotesDescribe any increase or decrease in income reasonably anticipated to occur within the next year.EXPENDITURESHale Andrew Antico, Esq. (888) 54-BK LAWRent / home mortgage payment (include lot rented for mobile home)Are real estate taxes included? Is property insurance included? Utilities: Yes Yes No No$If you are unsure about an answer leave it blank! Enter your average monthly expenses. Prorate any payments made bi-weekly, semi-monthly, quarterly, semi-annually, or annually to show monthly rate. If a joint petition is filed and your spouse maintains a separate household, complete another copy of this form and label it  \"spouse \"Electricity and heating fuel . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Water and sewer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Telephone Other: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .OnlyftwareSoForms-Home maintenance (repairs and upkeep) . . . . . . . . . . . . . . . . . . . . . . Food . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Clothing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Laundry and dry cleaning . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Medical and dental expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Transportation (not including car payments) . . . . . . . . . . . . . . . . . . . Recreation, clubs and entertainment, newspapers, magazines, etc . . . Charitable contributions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Insurance (not deducted from wages or included in home mortgage) Homeowner \'s or renter \'s . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Life . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Health . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Auto . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other:24][1-800-998-24Inc.EZ-Filing,006$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $1993-2©Taxes (not deducted from wages or included in home mortgage payments) $ $ $ Installment payments (if a Chapter 13, do not list payments that will be included in the plan)Auto . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Other: Alimony, maintenance, and support paid to others . . . . . . . . . . . . . . . Payments for support of additional dependents not living at home . . Regular expenses from operation of business, profession, or farm . . . Other:$ $ $ $ $ $ $ $ $ $ $NotesDescribe any increase or decrease in expenditures reasonably anticipated to occur within the next year.STATEMENT OF AFFAIRS1. Income from employment or operation of business NoneState the gross amount of income the debtor has received from employment, trade, or profession, or from operation of the debtor \'s business from the beginning of this calendar year to the date this case was commenced. State also the gross amounts received during the two years immediately preceding this calendar year. (A debtor that maintains, or has maintained, financial records on the basis of a fiscal rather than a calendar year may report fiscal year income. Identify the beginning and ending dates of the debtor \'s fiscal year.) If a joint petition is filed, state income for each spouse separately. (Married debtors filing under chapter 12 or chapter 13 must state income of both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)Attach pay stubs received in the past sixty (60) days. Attach copies of your tax returns for the past two years. Indicate the amount and source of income for this year-to-date, last year, and two years ago.2. Income other than from employment or operation of business NoneState the amount of income received by the debtor other than from employment, trade, profession, operation of the debtor \'s business during the two years immediately preceding the commencement of this case. Give particulars. If a joint petition is filed, state income for each spouse separately. (Married debtors filing under chapter 12 or chapter 13 must state income for each spouse whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)OnlyftwareSoDid you sell anything, receive any benefits such as unemployment insurance, or have any gambling winnings? Indicate the amount and source of income for this year-to-date, last year, and two years agoForms-24][1-800-998-24Inc.EZ-Filing,0063. Payments to creditors Complete a. or b., as appropriate, and c. a. Individual or joint debtor(s) with primarily consumer debts: List all payments on loans, installment purchases of goods or services, and other debts to any creditor made within 90 days immediately preceding the commencement None of this case if the aggregate value of all property that constitutes or is affected by such transfer is not less than $600. Indicate with an asterisk (*) any payments that were made to a creditor on account of a domestic support obligation or as part of an alternative repayment schedule under a plan by an approved nonprofit budgeting and creditor counseling agency. (Married debtors filing under chapter 12 or chapter 13 must include payments by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)1993-2©Indicate the name and address of the creditor, dates of payment(s), amount paid, and amount still owing.None b. Debtor whose debts are not primarily consumer debts: List each payment or other transfer to any creditor made within 90 days immediately preceding the commencement of the case if the aggregate value of all property that constitutes or is affected by such transfer is not less than $5,000. (Married debtors filing under chapter 12 or chapter 13 must include payments and other transfers by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.) Indicate the name and address of the creditor, dates of payment(s) or transfers, amount paid, and amount still owing.None c. All debtors: List all payments made within one year immediately preceding the commencement of this case to or for the benefit of creditors who are or were insiders. (Married debtors filing under chapter 12 or chapter 13 must include payments by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.) Indicate the recipient \'s name, address, and relationship, dates of payment(s), amount paid, and amount still owing.4. Suits and administrative proceedings, executions, garnishments and attachments Nonea. List all suits and administrative proceedings to which the debtor is or was a party within one year immediately preceding the filing of this bankruptcy case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)Indicate the caption of the suit, case number, nature of proceeding, court and location, and the status or disposition.OnlyftwareSoNone b. Describe all property that has been attached, garnished or seized under any legal or equitable process within one year immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning property of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)Forms-Indicate the name and address of person for whose benefit the property was seized, date of seizure and description and value of property.24][1-800-998-24Inc. 5. Repossessions, foreclosures and returns NoneEZ-Filing,006List all property that has been repossessed by a creditor, sold at a foreclosure sale, transferred through a deed in lieu of foreclosure or returned to the seller, within one year immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning property of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)1993-2©Indicate the name and address of the creditor or seller, date of repossession, foreclosure sale, transfer or return, and description and value of property.6. Assignments and receiverships Nonea. Describe any assignment of property for the benefit of creditors made within 120 days immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include any assignment by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and joint petition is not filed.)Indicate the name and address of the assignee, date of assignment, and terms of assignment or settlement.None b. List all property which has been in the hands of a custodian, receiver, or court-appointed official within one year immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning property of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)Indicate the name and address of the custodian, name and location of court, case title and number, date of order, and description and value of property.7. Gifts NoneList all gifts or charitable contributions made within one year immediately preceding the commencement of this case except ordinary and usual gifts to family members aggregating less than $200 in value per individual family member and charitable contributions aggregating less than $100 per recipient. (Married debtors filing under chapter 12 or chapter 13 must include gifts or contributions by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)Indicate the name and address of the recipient, relationship to debtor if any, date of gift, and description and value of gift.8. Losses NoneList all losses from fire, theft, other casualty or gambling within one year immediately preceding the commencement of this case or since the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include losses by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)Indicate the description and value of the property, description of circumstances and, whether the loss was covered in whole or in part by insurance, and the date of the loss.OnlyftwareSo 9. Payments related to debt counseling or bankruptcy NoneForms-24]List all payments made or property transferred by or on behalf of the debtor to any persons, including attorneys, for consultation concerning debt consolidation, relief under bankruptcy law or preparation of a petition in bankruptcy within one year immediately preceding the commencement of this case.[1-800-998-24Indicate the name and address of the payee, date of payment, name of payor if other than debtor, and the amount of money or description and value of property.Inc.EZ-Filing,0061993-2 10. Other transfers None©a. List all other property, other than property transferred in the ordinary course of the business or financial affairs of the debtor, transferred either absolutely or as security within two years immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include transfers by either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)Indicate the name and address of transferee, relationship to debtor, date, and description of property transferred and value received.None b. List all property transferred by the debtor within ten years immediately preceding the commencement of this case to a self-settled trust or similar device of which the debtor is a beneficiary.Indicate the name of the trust or other device, date(s) of transfer(s), amount of money or description and value of property or debtor \'s interest in property.11. Closed financial accounts NoneList all financial accounts and instruments held in the name of the debtor or for the benefit of the debtor which were closed, sold, or otherwise transferred within one year immediately preceding the commencement of this case. Include checking, savings, or other financial accounts, certificates of deposit, or other instruments; shares and share accounts held in banks, credit unions, pension funds, cooperatives, associations, brokerage houses and other financial institutions. (Married debtors filing under chapter 12 or chapter 13 must include information concerning accounts or instruments held by or for either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)Indicate the name and address of the institution, type and number of account and amount of final balance, and the amount and date of sale or closing.12. Safe deposit boxes NoneList each safe deposit or other box or depository in which the debtor has or had securities, cash, or other valuables within one year immediately preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include boxes or depositories of either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)OnlyIndicate the name and address of bank or other depository, names and addresses of those with access to box or depository, description of contents, and date of transfer or surrender, if any.ftwareSoForms-24] 13. Setoffs None[1-800-998-24List all setoffs made by any creditor, including a bank, against a debt or deposit of the debtor within 90 days preceding the commencement of this case. (Married debtors filing under chapter 12 or chapter 13 must include information concerning either or both spouses whether or not a joint petition is filed, unless the spouses are separated and a joint petition is not filed.)Indicate the name and address of the creditor, date of setoff and amount of setoff.Inc.EZ-Filing,0061993-2©14. Property held for another person List all property owned by another person that the debtor holds or controls. NoneIndicate the name and address of the owner, description and value of property, and the location of the property.15. Prior address of debtor NoneIf debtor has moved within three years immediately preceding the commencement of this case, list all premises which the debtor occupied during that period and vacated prior to the commencement of this case. If a joint petition is filed, report also any separate address of either spouse.Indicate the address, name used, and dates of occupancy.16. Spouses and Former Spouses NoneIndicate the name.If the debtor resides or resided in a community property state, commonwealth, or territory (including Alaska, Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, or Wisconsin) within eight years immediately preceding the commencement of the case, identify the name of the debtor \'s spouse and of any former spouse who resides or resided with the debtor in the community property state.OnlyftwareSoForms-24]17. Environmental Information For the purpose of this question, the following definitions apply:  \"Environmental Law \" means any federal, state, or local statute or regulation regulating pollution, contamination, releases of hazardous or toxic substances, wastes or material into the air, land, soil, surface water, groundwater, or other medium, including, but not limited to, statutes or regulations regulating the cleanup of these substances, wastes or material.  \"Site \" means any location, facility, or property as defined under any Environmental Law, whether or not presently or formerly owned or operated by the debtor, including, but not limited to, disposal sites.  \"Hazardous Material \" means anything defined as a hazardous waste, hazardous substance, toxic substance, hazardous material, pollutant, or contaminant or similar term under an Environmental Law. None a. List the name and address of every site for which the debtor has received notice in writing by a governmental unit that it may be liable or potentially liable under or in violation of an Environmental Law. Indicate the governmental unit, the date of the notice, and, if known, the Environmental Law.Indicate the site name and address, name and address of governmental unit, date of notice, and if known, the environmental law.[1-800-998-24Inc.EZ-Filing,0061993-2©None b. List the name and address of every site for which the debtor provided notice to a governmental unit of a release of Hazardous Material. Indicate the governmental unit to which the notice was sent and the date of the notice.Indicate the site name and address, name and address of governmental unit, date of notice, and if known, the environmental law.None c. List all judicial or administrative proceedings, including settlements or orders, under any Environmental Law with respect to which the debtor is or was a party. Indicate the name and address of the governmental unit that is or was a party to the proceeding, and the docket number. Indicate the name and address of governmental unit, docket number, and status or disposition.","null","null","");arrFiles[1]=new Array("info.htm","LA and OC Bankruptcy Questionnaire","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bankruptcy Questionnaire Home > contact > Online questionnaire If you haven \'t already done it, you may want to send the Quick Contact Form and return to this. That way, at least we \'ll know that you \'re interested in our help! When you complete this and then hire us, you \'ll save big bucks off your fee. By entering your Social Security Number below, you will start a questionnaire process that will enable a Los Angeles or Orange County bankruptcy attorney to evaulate your case before the consultation. This lets us get started quicker and file bankruptcy fast. You do not need to provide your creditor or collector addresses, though it is helpful if you have them. Account numbers are helpful. Please provide estimates about what you (and your spouse, if applicable) earned this year, last year and the year before in gross income. Your tax return and pay stubs (YTD) would have this info. How far do you have to go back in the \"Financial Affairs \" section? Really, we just need one year back, so answer most questions with that in mind unless it says otherwise. Prior addresses needs to be three years back. Payments to creditors: list all companies that have gotten over $600 from you in the last 90 days, total OK, let \'s get started! Yes, your SSN will be confidentially protected and used only by this law office for the purpose of helping you. Your Social Security Number: - - San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","null","null","");arrFiles[2]=new Array("about.htm","About Los Angeles Bankruptcy Lawyer","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test About the Los Angeles Bankruptcy Lawyer Some basic facts about the Los Angeles Bankruptcy Attorney - Name Hale Andrew Antico, Esq. Experience Attorney Licenced since: 1994 California State Bar Number : 174144 Emphasis of law practice : Bankruptcy Chapter 7 Chapter 13 Associations and Membership American Bankruptcy Institute Santa Clarita Valley Bar Association National Association of Consumer Bankruptcy Attorneys (NACBA) San Fernando Valley Bar Association Education Law School : Pepperdine University School of Law , Juris Doctor, 1993. College : California State University, Northridge (CSUN), Bachelor of Sciences, Psychology, 1989. Qualities Customer-service focused Attentive Conscientious Explains things in normal everyday language you can understand San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","About, Los Angeles Bankruptcy Lawyer, los angeles attorney","Los Angeles Bankruptcy Lawyer Info and background","");arrFiles[3]=new Array("analize_debt.htm","Analize Debt","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Analize Debt Home > BK Info > Analize debt To analize debt, you are going to want to want to consider lots of factors. First off, are you current? Your ability to keep up on it says a lot about how you are doing. Also, what kind of debt is it? Is it student loans? A car loan? Or all credit cards and department stores? Really, the best way to figure out whether you need to contact debt councilors for their debt settlement strategies to repair debts is to try a free debt quiz . Or contact us today. This will help you analize debt. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","analize debt","analize debt","");arrFiles[4]=new Array("antelope-valley-bankruptcy-attorney.htm","Antelope Valley Bankruptcy Attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Antelope Valley Bankruptcy Attorney Home > Geo > Antelope valley > Attorney Why a Lancaster bankruptcy attorney to handle your Lancaster bankruptcy ? You really want professionals you can trust who are trained and with experience you can count on to help you with something that will shape your financial life for years to come. It \'s a paradox: \"If I had enough money to afford an attorney, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having Lancaster bankruptcy attorneys help you. A skilled attorney can save you much more money than you \'ll spend. Let \'s say your attorney fees are around a grand for a chapter 7 bankruptcy. A skilled professional will assist you in finding California bankruptcy exemptions for your property and house, often up to many thousands of dollars. An attorney will appear with you in court if your creditors fight you on an issue or want you to give something back, or say that some major thing is non-dischargable. You don \'t want to be on your own, at that point. An attorney can work out a Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only an attorney can give you legal advice about your situation; no one else can, not even those paralegal services. If they do, they \'re practicing law without a license... and do you really want someone like that \"helping \" you? Contact a bankruptcy attorney for help today We can work out a payment plan so that this is an affordable bankruptcy. For a big deal like a bankruptcy, you really want a Lancaster bankruptcy attorney to help. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Antelope Valley Bankruptcy Attorney","Antelope Valley Bankruptcy Attorney","");arrFiles[5]=new Array("antelope-valley-bankruptcy-attorneys.htm","Antelope Valley Bankruptcy Attorneys","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Antelope Valley Bankruptcy Attorneys Home > Geo > Antelope valley > Attorneys Why Lancaster bankruptcy attorneys to handle your Lancaster bankruptcy ? You really want someone you can trust who is a trained professional with experience you can count on to help you with something that will shape your financial life for years to come. The Cost Quandary It \'s a paradox: \"If I had enough money to afford attorneys, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there are good justifications for having an Lancaster bankruptcy attorney help you. A skilled attorney can save you much more money than you \'ll spend. Affordable? It may sound counter-intuitive, but an attorney can be affordable, particularly if you are considering ditching a lot of debt. Payment plans can be arranged where you are receiving the full benefit of a lawyer to assist you and not cutting corners. Why use Attorneys? While there are those that might consider to file bankruptcy on their own, there are many very good reasons why you should use bankruptcy attorneys. For a complex procedure that will impact your life for years to come, you really don \'t want to skimp on money and cut corners. You wouldn \'t hire a cut-rate paramedic to perform surgery on you, would you? Why would you want a discount paralegal to do something as major as this? A paralegal can \'t even give you legal advice. For legal advice you need attorneys. Anyone who is not a lawyer is practicing law without a license. Is that really what you want? You don \'t want to wait too long. Delay will only lead to more creditor harassment and could lead to wage garnishment and put you in a situation where you \'ll need to stop foreclosure . So, don \'t delay, contact a skilled professional today. Let \'s say your attorneys \' fees are around a grand for a chapter 7 bankruptcy. A skilled professional will assist you in finding California bankruptcy exemptions for your property and house, often up to many thousands of dollars. Our attorneys will appear with you in court if your creditors fight you on an issue or want you to give something back, or say that some major thing is non-dischargable. You don \'t want to be on your own, at that point. A lawyer can work out a Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only attorneys can give you legal advice about your situation; no one else can, not even those paralegal services. If they do, they \'re practicing law without a license... and do you really want someone like that \"helping \" you? We can work out a payment plan so that this is an affordable bankruptcy. For a big deal like a bankruptcy, you really want Lancaster bankruptcy attorneys to help. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Antelope Valley Bankruptcy Attorneys","Antelope Valley Bankruptcy Attorneys","");arrFiles[6]=new Array("antelope-valley-bankruptcy-lawyer.htm","Antelope valley Bankruptcy Lawyer","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Antelope valley Bankruptcy Lawyer Home > Geo > Antelope valley > Lawyer Why a Lancaster bankruptcy lawyer to handle your Lancaster bankruptcy ? You really want someone you can trust who is a trained professional with experience you can count on to help you with something that will shape your financial life for years to come. It \'s a paradox: \"If I had enough cash on hand to afford a lawyer, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having Lancaster bankruptcy lawyers help you. A skilled lawyer can save you much more money than you \'ll spend. Let \'s say your attorney fees are around a grand for a chapter 7 bankruptcy. A skilled professional will assist you in finding California bankruptcy exemptions for your property and house, often up to many thousands of dollars. An attorney will appear with you in court if your creditors fight you on an issue or want you to give something back, or say that some major thing is non-dischargable. You don \'t want to be on your own, at that point. A lawyer can work out a Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only an attorney can give you legal advice about your situation; no one else can, not even those paralegal services. If they do, they \'re practicing law without a license... and do you really want someone like that \"helping \" you? Contact a bankruptcy lawyer for help today We can work out a payment plan so that this is an affordable bankruptcy. For a big deal like a bankruptcy, you really want a Lancaster bankruptcy lawyer to help San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Antelope valley Bankruptcy Lawyer","Antelope valley Bankruptcy Lawyer","");arrFiles[7]=new Array("antelope-valley-bankruptcy-lawyers.htm","antelope Valley Bankruptcy Lawyers","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test antelope Valley Bankruptcy Lawyers Home > Geo > Antelope valley > Lawyers Why Lancaster bankruptcy lawyers to handle your Lancaster bankruptcy ? You really want professionals you can trust who are trained and with experience you can count on to help you with something that will shape your financial life for years to come. The Cost Quandary It \'s an age-old dilemma: \"If I had enough money to afford lawyers, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having an Lancaster bankruptcy lawyer help you. A skilled lawyer can save you much more money than you \'ll spend. And yes, our lawyers will work out affordable payment plans where you pay what you can, when you can. Affordable? It may sound counter-intuitive, but lawyers can be affordable, particularly if you are considering ditching a lot of debt. Payment plans can be arranged where you are receiving the full benefit of a lawyer to assist you and not cutting corners. Why Use Lawyers? While there are those that might consider to file bankruptcy on their own, there are many very good reasons why you should use bankruptcy lawyers. For a complex procedure that will impact your life for years to come, you really don \'t want to skimp on money and cut corners. You wouldn \'t skimp on a surgeon and hire some cut-rate paramedic to perform surgery on you, would you? Why would you want a discount paralegal to do something as major as a BK? A paralegal can \'t even give you cheap legal advice. For legal advice, you need lawyers. Anyone who is not a lawyer is practicing law without a license. Is that really the kind of \"help \" you want? Let \'s say your lawyers \' fees are around a grand for a chapter 7 bankruptcy. A skilled professional will assist you in finding California bankruptcy exemptions for your property and house, often up to many thousands of dollars. An lawyer will appear with you in court. They \'re fight for you if your creditors contend an issue or want you to give something back, or say that some major debt is non-dischargable. You don \'t want to be on your own, at that point. Or, lawyers can work out a Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only lawyers can give you legal advice about your situation; no one else can, not even those paralegal services. If they do, they \'re practicing law without a license... and do you really want someone like that \"helping \" you? Timing You don \'t want to wait too long. Delay will only lead to more creditor harassment and could lead to wage garnishment and put you in a situation where you \'ll need to stop foreclosure . So, don \'t delay, contact a skilled professional today. Contact bankruptcy lawyers for help today We can work out a payment plan so that this is an affordable bankruptcy. For a big deal like a bankruptcy, you really want Lancaster bankruptcy lawyers to help. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","antelope Valley Bankruptcy Lawyers","antelope Valley Bankruptcy Lawyers","");arrFiles[8]=new Array("antelope-valley-bankruptcy.htm","Antelope Valley Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Antelope Valley Bankruptcy Home > Geo > Antelope valley 2 In the Antelope Valley, if you file bankruptcy, you will need to attend the bankruptcy court that is located in Woodland Hills. Our Antelope Valley bankruptcy attorneys know their way around the bankruptcy court. The harassing creditor phone calls and threatening letters from collection agencies can make your life miserable. Same thing for wage garnishment , foreclosure and car repossession . This is why, whether you live in Palmdale, Quartz Hill, Pearblossom, Littlerock, Rosamond, Leona Valley, Acton, Agua Dulce and of course, Lancaster CA, when you need to get a hold of an attorney for a bankruptcy, we \'re the lawyers to turn to. So, if you \'re in financial trouble and thinking about credit card debt consolidation or bankruptcy, you really need to contact an Antelope Valley bankruptcy lawyer right away. In addition to the Antelope Valley, we \'re all over Southern California : San Fernando Valley , Orange County , San Bernardino , Ventura County , and Santa Clarita / Valencia areas. CONTACT AN ANTELOPE VALLEY BANKRUPTCY ATTORNEY RIGHT NOW San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Antelope Valley Bankruptcy","Antelope Valley Bankruptcy","");arrFiles[9]=new Array("article-new-debtors-prison.htm","Perfect Storm: A New Debtors Prison","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Perfect Storm: New Debtors Prison Home > Articles > New Debtors \' Prison by Hale Andrew Antico, Esq. In the old days, centuries ago, if you could not pay your debt, you were locked up in jail. You were not to be released from your prison sentence until you could pay your debt. Needless to say, this was a debt trap that no one ever got out of. Thankfully, this form of incarceration is now outlawed. There are many recent developments in the past few months that signal the return to a modern version of Debtor \'s Prison. Let \'s see if we can spot a trend: 1. Credit card companies are doubling the minimum payments that they will accept from their customers. The bar is rising. If you are paying interest only -- effectively just treading water -- the water level is about to go higher. On maybe one card, you can handle the difference between $50 and $100 a month. However, most people have numerous cards, so the minimum amountjust to keep your current amount of debt will soon double each month. Of course, this is not reducing your debt, just maintaining it... indefinitely. 2. At the same time, because of zero-precent interest to lure new cardholders, credit card applications are at an all-time high . More and more applications are being sent out, many not even requested. How often do you get an offer in the mail for a new, pre-approved credit card you did not request? This is happening more often, at a record pace. 3. In many parts of the world, credit card delinquincies are also at an all-time record high . While minimum payment requirements are getting higher, and people getting applications are at a record, people falling behind on their credit cards is higher than it \'s ever been. With this kind of trend, you \'d think that people will need debt relief now more than ever before. And you \'re right. People are filing bankruptcy at record rates in the U.S. Granted, a lot of this is because the new harsher bankruptcy laws are taking effect in October. But this all-time pace of bankruptcies (or \"insolvencies \" in the UK) can \'t be explained by US developments alone because a cross the pond, British people are filing for bankruptcy in record numbers. And there are many, including the author, who believe that after October, bankruptcy filing may be more difficult and more expensive . Required financial counseling, higher duty for the attorney to double-check all the facts the client presents and other factors require more work. This could raise the price of a bankruptcy in the years ahead. So, just when a perfect storm is brewing to require more credit card help for the average Joe than ever before, debt help will be harder to get, and more expensive. More expensive to the person who has little or no extra money each month. Meaning that lawsuits against consumers and judgments (leading to wage garnishments) will increase. Bankruptcy won \'t be as available to end the pain. And people will be in a new 21st-century version of the Debtors \' Prison. CONTACT THE AUTHOR, A BANKRUPTCY LAWYER TODAY TO GET A FRESH START San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Perfect Storm: A New Debtors Prison","Perfect Storm: A New Debtors Prison","");arrFiles[10]=new Array("article-pay-yourself-first.htm","Pay Yourself First","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Pay Yourself First Home > Articles > Pay Yourself First Hi, all. I hope that this month \'s newsletter finds you all in joyous spirits with holiday cheer as we ramp up to the new year. In these days of last-minute shopping and gift-buying, consider this a helpful reminder that today \'s joyous gifts will be tomorrow \'s credit card debt. If it \'s possible, try to use the credit cards as little as possible, especially if we \'ve talked about getting started on your fresh start after the first of the year. Now, this doesn \'t mean that if you \'ve been charging that a BK won \'t help; it just means that we \'ll have to be careful in how we strategize the timing. In general, the less you use those cards, the better. Let \'s make a point to talk about this in person when we meet. Cash. It can be your friend. Of course, many of us don \'t have a choice, as our cash flow is negative and we need the credit to help make up the difference in our budget each month. When we make your credit card debt go away, you \'ll need to start getting in the habit of living off of cash. Let me tell you, it \'s actually quite liberating. So, if you can, try to spend only what \'s in your bank account, using a debit card or whatever cash you have. Avoid credit cards, especially when tempted next time you \'re walking through Best Buy and need that special gift... for them or for you. Just spend what you have, and use those credit cards sparingly, if you can still use them at all. Since there is a very good chance you \'ll be living within your means and off cash once a bankruptcy goes through, one of the soundest pieces of advice I can give you has to do with saving. I know, I know. Your paycheck disappears right after you pay your bills each month. But there is a secret that helps you save, and it has to do with human nature, some discipline/routine and your attitude. The secret? Pay yourself first. What do I mean by that? By this, I mean to treat yourself -- You! -- as a bill. You always have money for rent, right? And the electric bill. And then, after you pay your bills, there \'s some spending money and of course, that will all get spent. That means nothing is saved. Why not treat you as a bill as important as rent? If you pay yourself first, you \'re forced to save. There is no more important bill than yourself. So, when it comes time to pay your bills each month (or each half-month), make sure you set aside a small amount of money for yourself. Write a check made out to you for deposit into a savings account if you have to, just to force yourself. Even easier is a direct transfer set up through your bank. You won \'t miss it. How do I know? The same way you don \'t miss all those taxes Uncle Same takes out of your paycheck each period. Since you never had those withheld taxes, you don \'t miss them. But most of us work five months paying only taxes and don \'t get to make our first dollar for us until June. Why isn \'t this more painful? We never see it. Taxes are the ultimate \"pay first. \" Same with Paying Yourself First. Almost all of us can get by on 5% less spending money each month. Especially if you are stuffing it away before you pay your other bills. If you \'re really good, you can put away 10% each month of your takehome pay. It may not seem like much, but those 5% deposits start adding up. And before you know it, you have a Pay Myself Freedom Fund. Since you \'ll be living off cash (and probably spending what you carry on you), your rainy day account will be growing and never used. If there \'s an emergency, and this is where you would normally whip out the credit card crutch, you can always tap into this Pay Myself Freedom Fund. So, it is possible to live off of cash and ditch the credit cards. Let your savings be your emergency, and don \'t forget to pay the most important bill of all: the one made out to YOU. It just requires making it a routine, and you \'ll be glad once it becomes a habit. Have a Merry Christmas, happy holiday, and let \'s make 2004 a great year. If we need to make an appointment to wipe the slate clean in 2004, let \'s touch base in the next couple of weeks and arrange it. And to all my clients, past and present, thank you for allowing me to help you get your fresh start! San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Pay Yourself First","Pay Yourself First","");arrFiles[11]=new Array("articles.htm","Managing your Finances Articles","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Managing your Finances Articles Home > Articles These articles are intended to help guide you to manage your money. Attorney Antico, the same helpful bankruptcy attorney who put this website together wrote them for your benefit. 2006-06 Myths about the New Bankruptcy Laws Bankruptcy Reform caused more misunderstandings than before 2006-05 Paying Back Your Debts on Your Own Schedule When the minimum payments they want isn \'t enough to go around 2006-04 Saving your Home From Foreclosure All you need is a little breathing room 2006-01 Is Bankruptcy Dead? Can you still get a fresh start? 2005-08 Perfect Storm: The New Debtors \' Prison Alarming trends in credit card usage 2005-07Ka-Ching to Bling Bling Spending habits can hurt, even if you budget 2005-05 What \'s in your Budget? So many people don \'t even know what it costs to live each month 2003-12 Pay Yourself First Helpful tips for saving 2003-12: They \'re Garnishing my Wages! A guide on how to respond when you find out you \'re being garnished 2003-11: Credit after Bankruptcy Separating the myths from the realities of establishing post-bk credit San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Managing your Finances Articles","Managing your Finances Articles","");arrFiles[12]=new Array("attorney.htm","Los Angeles Bankruptcy Attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Attorney Home > Geo > Los Angeles > attorney 2 Contact a bankruptcy attorney for help today Why a Los Angeles attorney to handle your Los Angeles bankruptcy ? You really want to trust someone who is an expert to help you with something that will shape your financial life for years to come. It \'s the age-old dilemma: \"If I had enough money for a lawyer, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having a bankruptcy attorney help you. A skilled bankrupcy lawyer can save you much more money than you \'ll spend. Let \'s say your attorney fees are between $1300 and $1800 for a chapter 7 bankruptcy. A skilled professional will assist you in finding exemptions for your property and house, often up to many thousands of dollars. An attorney will appear with you in court if your creditors fight you on an issue or want you to give something back, or say that some major thing is non-dischargable. You don \'t want to be on your own, at that point. An attorney can work out a Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only an attorney can give you legal advice about your situation; no one else can, not even those bankruptcy paralegal services . When you need surgery, would you shop for the cheapest cut-rate doctor? Or even worse : give the job to someone who hasn \'t gone to medical school nor passed medical boards? Of course not. For a major legal process, why cut corners on bankruptcy paralegals ? Our lawyers offer flexible payments plans. Payment plans are available, and we \'ll work with you so that you can get this done as quickly as possible. For a big deal like a bankruptcy, have a Los Angeles attorney help. Our Los Angeles bankruptcy attorneys serve the Los Angeles, San Fernando Valley , Orange County , Ventura County , Antelope Valley (Lancaster and Palmdale) and Santa Clarita areas. Contact a bankruptcy attorney for help today San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Los Angeles Bankruptcy Attorney","Los Angeles Bankruptcy Attorney","");arrFiles[13]=new Array("backruptcy_attorney.htm","Backruptcy Attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Backruptcy Attorney Home > Geo > Los Angeles > Backruptcy Attorney Why a backruptcy attorney to handle your Los Angeles backruptcy ? You really want to trust someone who is an expert to help you with something that will shape your financial life for years to come. It \'s the age-old dilemma: \"If I had enough money for a lawyer, I wouldn \'t need to file backruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having a backruptcy attorney help you. A skilled backruptcy lawyer can save you much more money than you \'ll spend. Sure, you can have a paralegal prepare your documents. But that \'s all they can do. They cannot practice law, and cannot even tell you whether you should do a Chapter 7 or a Chapter 13. Sometimes, these legal document assistants do. They are breaking California law by giving you legal advice. Only a bakrupcy attorney who has passed the California Bar can give you legal advice. With everyone else, you \'re taking your chances, and their character could be questionable. You are able to file backruptcy on your own. This could save hundreds of dollars. But at what long-term cost? Many people who try to do all their own forms end up having their cases dismissed, and then have to wait 6 months or more to file again, even if they want an attorney to help them. In the meantime, they have to go back to pay all their bills and debts, and have the creditors call at home and at work. And how much is that worth? What about the thousands upon thousands of dollars a skilled lawyer can save in exemptions and planning? For many people, it really pays to contact a lawyer who knows this area: a skilled backruptcy attorney. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Backruptcy Attorney","Backruptcy Attorney","");arrFiles[14]=new Array("bakrupcy_attorney.htm","bakrupcy attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Links Search Site Map Find an attorney for: San Fernando Valley bankruptcy Ventura County bankruptcy Antelope Valley bankruptcy Pasadena / Burbank bankruptcy Orange County bankruptcy Santa Clarita bankruptcy bakrupcy attorney Home > Geo > Los Angeles > bakrupcy attorney Why a bakrupcy attorney to handle your Los Angeles bakrupcy ? You really want to trust someone who is an expert to help you with something that will shape your financial life for years to come. It \'s the age-old dilemma: \"If I had enough money for a lawyer, I wouldn \'t need to file bakrupcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having a bakrupcy attorney help you. A skilled bakrupcy lawyer can save you much more money than you \'ll spend. Sure, you can have a paralegal prepare your documents. But that \'s all they can do. They cannot practice law, and cannot even tell you whether you should do a Chapter 7 or a Chapter 13. Sometimes, these legal document assistants do. They are breaking California law by giving you legal advice. Only a bakruptcy attorney who has passed the California Bar can give you legal advice. With everyone else, you \'re taking your chances, and their character could be questionable. You are able to file bakrupcy on your own. This could save hundreds of dollars. But at what long-term cost? Many people who try to do all their own forms end up having their cases dismissed, and then have to wait 6 months or more to file again, even if they want an attorney to help them. In the meantime, they have to go back to pay all their bills and debts, and have the creditors call at home and at work. And how much is that worth? What about the thousands upon thousands of dollars a skilled lawyer can save in exemptions and planning? For many people, it really pays to contact a lawyer who knows this area: a skilled bakrupcy attorney. Helpful Consultation | Santa Clarita Bankruptcy | Ventura County Bankruptcy | Los Angeles Bankruptcy Court | Site Index We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","bakrupcy attorney","bakrupcy attorney","");arrFiles[15]=new Array("bakruptcy_attorney.htm","Bakruptcy Attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Links Search Site Map Find an attorney for: San Fernando Valley bankruptcy Ventura County bankruptcy Antelope Valley bankruptcy Pasadena / Burbank bankruptcy Orange County bankruptcy Santa Clarita bankruptcy Bakruptcy Attorney Home > Geo > Los Angeles > Bakruptcy Attorney Why a bakruptcy attorney to handle your Los Angeles bakruptcy ? You really want to trust someone who is an expert to help you with something that will shape your financial life for years to come. It \'s the age-old dilemma: \"If I had enough money for a lawyer, I wouldn \'t need to file bakruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having a bakruptcy attorney help you. A skilled bakruptcy lawyer can save you much more money than you \'ll spend. Sure, you can have a paralegal prepare your documents. But that \'s all they can do. They cannot practice law, and cannot even tell you whether you should do a Chapter 7 or a Chapter 13. Sometimes, these legal document assistants do. They are breaking California law by giving you legal advice. Only a banckruptcy attorney who has passed the California Bar can give you legal advice. With everyone else, you \'re taking your chances, and their character could be questionable. You are able to file bakruptcy on your own. This could save hundreds of dollars. But at what long-term cost? Many people who try to do all their own forms end up having their cases dismissed, and then have to wait 6 months or more to file again, even if they want an attorney to help them. In the meantime, they have to go back to pay all their bills and debts, and have the creditors call at home and at work. And how much is that worth? What about the thousands upon thousands of dollars a skilled lawyer can save in exemptions and planning? For many people, it really pays to contact a lawyer who knows this area: a skilled bakruptcy attorney. Helpful Consultation | Santa Clarita Bankruptcy | Ventura County Bankruptcy | Los Angeles Bankruptcy Court | Site Index We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bakruptcy Attorney","Bakruptcy Attorney","");arrFiles[16]=new Array("bancarrota-ayuda-de-deuda.htm","Ayuda de Dueda","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Ayuda de Dueda HOME > Espanol > Ayuda de Ayuda COMUNICAR CON ABOGADO (888) 54 BK LAW - Se Habla Espanol A la 7 bancarrota de capítulo de archivo es donde lava sus manos de toda la deuda, y no pague cualquier de retrocede. Esto es diferente de la bancarrota de capítulo 13 , donde hace pagos. En un |||bancruptcy||| de capítulo 7 , quita frotando la deuda. Un asunto de mayor de edad de mucha gente es si tienen que devolver cualquier de sus posesiones si ellos bancarrota de archivo. La respuesta es que depende de \"material \" cuanto que usted tiene, pero si usted se parece mucha gente que no posea mucho, no tenga ninguna propiedad raíz u otras cosas, oportunidades mayores de edad son que los acreedores de acosar no serán capaz de conseguir su comando manual su aparato estereofónico, su colección de CD o, después que está vista esto en la web, su computadora. Línea fundamental: un abogado de bancarrota válido puede proteger su material así que usted devuelve nada. ¿Yo alguna vez conseguiré el crédito de nuevo? La bancarrota comparecerá en su informe crediticio para hasta los diez años después que usted archivo. Otros informes de negativa exactos en su crédito deben ser apartado después de siete años sin embargo, según clientes anteriores, esto no es normalmente como grande un problema como la mayoría piensa. Acredite las agencias de otorgamiento de un préstamo sabe que usted será capaz del archivo otra bancarrota para al menos los 6 años, y por lo tanto, ellos no tienen que arriesgue para pasar. Usted no conseguirá como el alto un límite de crédito como usted una vez tenga, o sea capaz de pedir prestado una suma grande del dinero, pero consiguiendo cierto acredite (tal como una tarjeta de crédito asegurada) no debe ser que difícil y puede reconstruir su crédito con el transcurso del tiempo. Lo que puede probablemente cara son tasas de interés más altas, requerido más alto abajo pagos, señalan con el dedo más, etc. Ciertas personas tienen la dificultad reconstruyendo su crédito, pero es normalmente debido a otros factores además de bancarrota, tal como su empleo registra, otros problemas de crédito, etc. En todo caso, weI puede proporcionarle con materiales excelentes para ayudarle a reconstruir su crédito le deba desear así. ¿Qué se sabe de la discriminación por mi empleador o la concordancia? Es protegido contra su trabajo disparando le o el gobierno federal no dando le un estudiante presta, etc. Esto es todo ordenó en 11 USC 525. ¿Por qué necesito un abogado para una bancarrota \"simple \"? Allí está nada de eso como una bancarrota \"simple \". Su vida de trabajo, flujo de fondos, patrones de gasto, e historia financiera tienen factores únicos que sólo un abogado importado pueda recobrar la salud en que pueda afectar cómo su caso debe manejarse para maximizar la rehabilitación en quiebra poderosa. Sea orgulloso que no es una persona simple con una vida simple. Sólo un abogado puede darle consejo jurídico. Sólo un abogado puede ejercer de abogado. Sólo un abogado puede aparecer a la corte con usted. Sólo un abogado puede combatir un acreedor si mantienen cualquier parte de su caso. Sólo un abogado es responsable ante la barra de estado para ética y competencia. Puede guardar unos cuantos cienes dólares en un |||paralegal||| de bancarrota, pero ellos no pueden hacer cualquier del arriba. Hace toda cosa de otro modo... sólo. Y porque se licencia y no tienen ningún descuido, ninguna equivocación que hacen que termine costando le miles de dólares guste errar equidad en su automóvil donde se fuerza para venderlo no hay nada puede hacer. Ellos tienen su $299 y se están moviendo al cliente próximo. No arriesgue y tome atajos con un mandamiento tan importante como éste que impactan todos sus negocios financieros! Usted querrá un abogado de bancarrota importado para ayudarle con esto, particularmente si es en California. Las exenciones de bancarrota de California de capítulo 7 en California son diferentes que la mayor parte del manifiesta, y los letrados de bancarrota de Los Angeles válidos pueden ayudar a proteger la mayor parte del ( de lo contrario todo ) de ello para usted. Así recuerde, la diferencia entre esto y capítulo 13 es que no hace pagos en su deuda. La deuda en un capítulo de Los Angeles 7 haya dejado de ser. Capítulo 13 , ellos consiguen una porción de lo que usted les debe. Descargar su deuda con nada comparado con sus acreedores es la esencia de una 7 bancarrota de capítulo de Los Angeles COMUNICAR CON ABOGADO San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","null","null","");arrFiles[17]=new Array("banckruptcy_attorney.htm","banckruptcy attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Links Search Site Map Find an attorney for: San Fernando Valley bankruptcy Ventura County bankruptcy Antelope Valley bankruptcy Pasadena / Burbank bankruptcy Orange County bankruptcy Santa Clarita bankruptcy banckruptcy attorney Home > Geo > Los Angeles > banckruptcy attorney Why a banckruptcy attorney to handle your Los Angeles banckruptcy ? You really want to trust someone who is an expert to help you with something that will shape your financial life for years to come. It \'s the age-old dilemma: \"If I had enough money for a lawyer, I wouldn \'t need to file banckruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having a banckruptcy attorney help you. A skilled banckruptcy lawyer can save you much more money than you \'ll spend. Sure, you can have a paralegal prepare your documents. But that \'s all they can do. They cannot practice law, and cannot even tell you whether you should do a Chapter 7 or a Chapter 13. Sometimes, these legal document assistants do. They are breaking California law by giving you legal advice. Only a bancruptcy attorney who has passed the California Bar can give you legal advice. With everyone else, you \'re taking your chances, and their character could be questionable. You are able to file banckruptcy on your own. This could save hundreds of dollars. But at what long-term cost? Many people who try to do all their own forms end up having their cases dismissed, and then have to wait 6 months or more to file again, even if they want an attorney to help them. In the meantime, they have to go back to pay all their bills and debts, and have the creditors call at home and at work. And how much is that worth? What about the thousands upon thousands of dollars a skilled lawyer can save in exemptions and planning? For many people, it really pays to contact a lawyer who knows this area: a skilled banckruptcy attorney. Helpful Consultation | Santa Clarita Bankruptcy | Ventura County Bankruptcy | Los Angeles Bankruptcy Court | Site Index We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","banckruptcy attorney","banckruptcy attorney","");arrFiles[18]=new Array("bancruptcy_attorney.htm","bancruptcy attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Links Search Site Map Find an attorney for: San Fernando Valley bankruptcy Ventura County bankruptcy Antelope Valley bankruptcy Pasadena / Burbank bankruptcy Orange County bankruptcy Santa Clarita bankruptcy bancruptcy attorney Home > Geo > Los Angeles > bancruptcy attorney Why a bancruptcy attorney to handle your Los Angeles bancruptcy ? You really want to trust someone who is an expert to help you with something that will shape your financial life for years to come. It \'s the age-old dilemma: \"If I had enough money for a lawyer, I wouldn \'t need to file bancruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having a bancruptcy attorney help you. A skilled bancruptcy lawyer can save you much more money than you \'ll spend. Sure, you can have a paralegal prepare your documents. But that \'s all they can do. They cannot practice law, and cannot even tell you whether you should do a Bancruptcy Chapter 7 or a Chapter 13. Sometimes, these legal document assistants do. They are breaking California law by giving you legal advice. Only a bankraptcy attorney who has passed the California Bar can give you legal advice. With everyone else, you \'re taking your chances, and their character could be questionable. You are able to file personal bancruptcy on your own. This could save hundreds of dollars. But at what long-term cost? Many people who try to do all their own forms end up having their cases dismissed, and then have to wait 6 months or more to file again, even if they want an attorney to help them. In the meantime, they have to go back to pay all their bills and debts, and have the creditors call at home and at work. And how much is that worth? What about the thousands upon thousands of dollars a skilled lawyer can save in exemptions and planning? For many people, it really pays to contact a lawyer who knows this area: a skilled bancruptcy attorney. Helpful Consultation | Santa Clarita Bankruptcy | Ventura County Bankruptcy | Los Angeles Bankruptcy Court | Site Index We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","bancruptcy attorney","bancruptcy attorney","");arrFiles[19]=new Array("bancruptcy_new_laws.htm","New Bancruptcy Laws","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test New Bankruptcy Laws Home > Articles > New Bankruptcy Law 2 Well, I \'m sure you \'ve heard all about the bankruptcy reform . Congress has been trying for eight years to solve a problem that doesn \'t exist: bankruptcy fraud . So now, after lots of lobbying and money spent from the credit card industry, there \'s a new set of bancruptcy laws in place. Is bankruptcy dead? Definitely not! Remember, it was bankruptcy reform , not bankruptcy elimination. Bankruptcy is still around, and this bankruptcy attorney is still in business. Because of harsh requirements they are placing on a bankruptcy lawyer, I think you \'ll find that some entities that used to help people out of debt and be debt free are no longer willling to take the risk. So what \'s different? Short answer? There \'s a lot more to do to get that coveted bankruptcy discharge. It was not easy before, but they \'ve added even more steps, hurdles and time to the process. And yes, more steps and requirements does mean that the cost of filing bankruptcy through qualified and skilled bankruptcy attorneys has increased. Long gone are the days where filing bankruptcy cost \"only \" $1,000 plus the filing fee. How can I afford to get out of debt? I \'m broke, remember? Of course we know this. All of our bankruptcy clients are having a tough time. Yet we somehow stay in business helping those who need it most. The key is our payment plan . You pay when you can. These payments are not refundable, since we \'re working as the money comes in. Then, when you \'ve paid us in full, we sign the papers and get everything to the bankruptcy court and start your bankruptcy protection. What \'s the first step? Just go and fill out the short contact form . If you really want to do things fast, try the online questionnaire . But whatever you do, don \'t put this off any longer. CONTACT A BANKRUPTCY EXPERT TODAY San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","New Bancruptcy Laws","New Bancruptcy Laws","");arrFiles[20]=new Array("bankraptcy_attorney.htm","bankraptcy attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Links Search Site Map Find an attorney for: San Fernando Valley bankruptcy Ventura County bankruptcy Antelope Valley bankruptcy Pasadena / Burbank bankruptcy Orange County bankruptcy Santa Clarita bankruptcy bankraptcy attorney Home > Geo > Los Angeles > bankraptcy attorney Why a bankraptcy attorney to handle your Los Angeles bankraptcy ? You really want to trust someone who is an expert to help you with something that will shape your financial life for years to come. It \'s the age-old dilemma: \"If I had enough money for a lawyer, I wouldn \'t need to file bankraptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having a bankraptcy attorney help you. A skilled bankraptcy lawyer can save you much more money than you \'ll spend. Sure, you can have a paralegal prepare your documents. But that \'s all they can do. They cannot practice law, and cannot even tell you whether you should do a Chapter 7 or a Chapter 13. Sometimes, these legal document assistants do. They are breaking California law by giving you legal advice. Only a bankrupcy attorney who has passed the California Bar can give you legal advice. With everyone else, you \'re taking your chances, and their character could be questionable. You are able to file bankraptcy on your own. This could save hundreds of dollars. But at what long-term cost? Many people who try to do all their own forms end up having their cases dismissed, and then have to wait 6 months or more to file again, even if they want an attorney to help them. In the meantime, they have to go back to pay all their bills and debts, and have the creditors call at home and at work. And how much is that worth? What about the thousands upon thousands of dollars a skilled lawyer can save in exemptions and planning? For many people, it really pays to contact a lawyer who knows this area: a skilled bankraptcy attorney. Helpful Consultation | Santa Clarita Bankruptcy | Ventura County Bankruptcy | Los Angeles Bankruptcy Court | Site Index We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","bankraptcy attorney","bankraptcy attorney","");arrFiles[21]=new Array("bankrupcy-california-law.htm","Bankrupcy California Law","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bankrupcy California Law Home > BK Info > California bankruptcy law Bankrupcy under California law is really the same as other states \' Bankrupcy programs, witih some minor differences. You see, bankrupcy is governed by Federal law, and you \'ll be in federal court. So, if you \'re a CA resident, you \'ll want to file your California Bankrupcy in a Federal court in your local jurisdiction. Like most complicated and confusing things involving the law, you \'re probably best not trying this yourself, though you certainly can. It \'s probably better to work with a California Bankrupcy attorney who is licensed in your local district. However, one of the most important things to know about are the California Bankrupcy exemptions , as these can help you protect your property from your creditors. They are constantly changing by the state legislature, so check the law before filing Bankrupcy . If you are looking for a Los Angeles attorney , you \'re going to want someone familiar with the Los Angeles Bankrupcy court , and the local rules. (of course, this would hold true for your own jurisdiction -- in addition to Bankrupcy California law exemptions, each court has its own way it likes things done, including customized forms). For those of you in Southern California, we \'re hopeful that you contact us and give Los-Angeles-Bankrupcy.net the chance to help you with the Bankrupcy California Law. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bankrupcy California Law","Bankrupcy California Law","");arrFiles[22]=new Array("bankrupcy_attorney.htm","Bankrupcy Attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Links Search Site Map Find an attorney for: San Fernando Valley bankruptcy Ventura County bankruptcy Antelope Valley bankruptcy Pasadena / Burbank bankruptcy Orange County bankruptcy Santa Clarita bankruptcy Bankrupcy Attorney Home > Geo > Los Angeles > Bankrupcy Attorney Why a bankrupcy attorney to handle your Los Angeles bankrupcy ? You really want to trust someone who is an expert to help you with something that will shape your financial life for years to come. It \'s the age-old dilemma: \"If I had enough money for a lawyer, I wouldn \'t need to file bankrupcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having a bankrupcy attorney help you. A skilled bankrupcy lawyer can save you much more money than you \'ll spend. Sure, you can have a paralegal prepare your documents. But that \'s all they can do. They cannot practice law, and cannot even tell you whether you should do a Chapter 7 or a Chapter 13. Sometimes, these legal document assistants do. They are breaking California law by giving you legal advice. Only a bankrupsee attorney who has passed the California Bar can give you legal advice. With everyone else, you \'re taking your chances, and their character could be questionable. You are able to file bankrupcy on your own. This could save hundreds of dollars. But at what long-term cost? Many people who try to do all their own forms end up having their cases dismissed, and then have to wait 6 months or more to file again, even if they want an attorney to help them. In the meantime, they have to go back to pay all their bills and debts, and have the creditors call at home and at work. And how much is that worth? What about the thousands upon thousands of dollars a skilled lawyer can save in exemptions and planning? How much are wages that are garnish worth? For many people, it really pays to contact a lawyer who knows this area: a skilled bankrupcy attorney. Helpful Consultation | Santa Clarita Bankruptcy | Ventura County Bankruptcy | Los Angeles Bankruptcy Court | Site Index We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bankrupcy Attorney","Bankrupcy Attorney","");arrFiles[23]=new Array("bankrupsee_attorney.htm","Bankrupsee Attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Links Search Site Map Find an attorney for: San Fernando Valley bankruptcy Ventura County bankruptcy Antelope Valley bankruptcy Pasadena / Burbank bankruptcy Orange County bankruptcy Santa Clarita bankruptcy Bankrupsee Attorney Home > Geo > Los Angeles > Bankrupsee Attorney Why a bankrupsee attorney to handle your Los Angeles bankrupsee ? You really want to trust someone who is an expert to help you with something that will shape your financial life for years to come. It \'s the age-old dilemma: \"If I had enough money for a lawyer, I wouldn \'t need to file bankrupsee! \" While at first impression, this may make sense, if you think it through, there is a good justification for having a bankrupsee attorney help you. A skilled bankrupsee lawyer can save you much more money than you \'ll spend. Sure, you can have a paralegal prepare your documents. But that \'s all they can do. They cannot practice law, and cannot even tell you whether you should do a Chapter 7 or a Chapter 13. Sometimes, these legal document assistants do. They are breaking California law by giving you legal advice. Only a bankrupcee attorney who has passed the California Bar can give you legal advice. With everyone else, you \'re taking your chances, and their character could be questionable. You are able to file bankrupsee on your own. This could save hundreds of dollars. But at what long-term cost? Many people who try to do all their own forms end up having their cases dismissed, and then have to wait 6 months or more to file again, even if they want an attorney to help them. In the meantime, they have to go back to pay all their bills and debts, and have the creditors call at home and at work. And how much is that worth? What about the thousands upon thousands of dollars a skilled lawyer can save in exemptions and planning? For many people, it really pays to contact a lawyer who knows this area: a skilled bankrupsee attorney. Helpful Consultation | Santa Clarita Bankruptcy | Ventura County Bankruptcy | Los Angeles Bankruptcy Court | Site Index We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bankrupsee Attorney","Bankrupsee Attorney","");arrFiles[24]=new Array("bankruptcee_attorney.htm","Bankruptcee Attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Links Search Site Map Find an attorney for: San Fernando Valley bankruptcy Ventura County bankruptcy Antelope Valley bankruptcy Pasadena / Burbank bankruptcy Orange County bankruptcy Santa Clarita bankruptcy Bankruptcee Attorney Home > Geo > Los Angeles > Bankruptcee Attorney Why a bankruptcee attorney to handle your Los Angeles bankruptcee ? You really want to trust someone who is an expert to help you with something that will shape your financial life for years to come. It \'s the age-old dilemma: \"If I had enough money for a lawyer, I wouldn \'t need to file bankruptcee! \" While at first impression, this may make sense, if you think it through, there is a good justification for having a bankruptcee attorney help you. A skilled bankruptcee lawyer can save you much more money than you \'ll spend. Sure, you can have a paralegal prepare your documents. But that \'s all they can do. They cannot practice law, and cannot even tell you whether you should do a Chapter 7 or a Chapter 13. Sometimes, these legal document assistants do. They are breaking California law by giving you legal advice. Only attorneys who have passed the California Bar can give you legal advice. With everyone else, you \'re taking your chances, and their character could be questionable. You are able to file bankruptcee on your own. This could save hundreds of dollars. But at what long-term cost? Many people who try to do all their own forms end up having their cases dismissed, and then have to wait 6 months or more to file again, even if they want an attorney to help them. In the meantime, they have to go back to pay all their bills and debts, and have the creditors call at home and at work. And how much is that worth? What about the thousands upon thousands of dollars a skilled lawyer can save in exemptions and planning? For many people, it really pays to contact a lawyer who knows this area: a skilled bankruptcee attorney. Helpful Consultation | Santa Clarita Bankruptcy | Ventura County Bankruptcy | Los Angeles Bankruptcy Court | Site Index We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bankruptcee Attorney","Bankruptcee Attorney","");arrFiles[25]=new Array("bankruptcy-analysis.htm","Bankruptcy Analysis","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bankruptcy Analysis Home > Types of Debt It is certainly helpful to review whether to file bankruptcy by the kind of debts that you have. Of course, the most common types are: credit card debt and creditor harassment home loans default or foreclosure car loans & repossession student loans eliminating IRS tax debt Summons, and personal injury lawsuits, judgments wage garnishment - save your paycheck This is merely general information. To find out about your specific situation, you will want to contact an attorney for a more complete analysis. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bankruptcy Analysis","Bankruptcy Analysis","");arrFiles[26]=new Array("bankruptcy-and-home.htm","Bankruptcy and Your Home","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bankruptcy and Your Home Home > Types of Debt > Stop Foreclosure 1 Will I lose my home if I file? Understandably, there is concern about what happens to your house if you file bankruptcy. Assuming you stay current with your mortgage, your home may be safe. (if not current, a bankruptcy can help with stopping foreclosure ). In California, you are allowed to protect your home in a bankruptcy depending on how much equity you have. Other factors are your marital status and even your age. You will want to contact a lawyer for advice. Contact us and we \'ll help if you are in the Greater Los Angeles / SoCal area). Homestead and Exemptions California has pretty generous laws about what they allow you to keep in a bankruptcy. These allowances are called exemptions. (Here \'s a handy list of California bankruptcy exemptions ). One of these relates to the house you own. This is called the Homestead Exemption and can allow you to save your home without being forced to sell it to pay creditors and debts. Article: saving your Los Angeles home in foreclosure More about foreclosure Walk away? Or catch up in arrearages payments? Whatever your goal is, we can help you start over. Contact us now! San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bankruptcy and Your Home","Bankruptcy and Your Home","");arrFiles[27]=new Array("bankruptcy-attorney.htm","Bankruptcy Attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bankruptcy Attorney Home > BK Info > Bankruptcy attorney Why a bankruptcy attorney to handle your Los Angeles bankruptcy ? You really want to trust someone who is an expert to help you with something that will shape your financial life for years to come. It \'s the age-old dilemma: \"If I had enough money for a lawyer, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having a bankruptcy attorney help you. A skilled bankruptcy lawyer can save you much more money than you \'ll spend. Sure, you can have a paralegal prepare your documents. But that \'s all they can do. They cannot practice law, and cannot even tell you whether you should do a Chapter 7 or a Chapter 13. Sometimes, these legal document assistants do. They are violating California law by giving you legal advice. Only a backruptcy attorney who has passed the California Bar can give you legal advice. With everyone else, you \'re taking your chances, and their character could be questionable. You are able to file bankruptcy on your own. This could save hundreds of dollars. But at what long-term cost? Many people who try to do all their own forms end up having their cases dismissed, and then have to wait 6 months or more to file again, even if they want an attorney to help them. In the meantime, they have to go back to pay all their bills and debts, and have the creditors call at home and at work. And how much is that worth? What about the thousands upon thousands of dollars a skilled lawyer can save in exemptions and planning? For many people, it really pays to contact a lawyer who knows this area: skilled bankruptcy attorneys Los Angeles . San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bankruptcy Attorney","Bankruptcy Attorney","");arrFiles[28]=new Array("bankruptcy-file.htm","Deciding Whether to File Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Should I File for Bankruptcy Protection? Home > Articles > Should I File BK? Bankruptcy - Do Not Feel Guilty Bankruptcy is about starting over and getting a fresh start. You will get back in control of your financial future. Do not feel any shame for considering bankruptcy. In today \'s economy, many people, from all walks of life, are in your situation. We have clients who were making over $100,000 last year and live in homes worth over half-million dollars. Then again, we have an 18 year old who started out in life with $35,000.00 in debt (thanks a lot, Master Card, Visa and Amex) due to \"free \" credit cards. Who gives an 18 year old a $5,000.00 credit line? The irresponsible people at credit card companies. Bankruptcy Is Not Your Fault Try our FREE Bankruptcy Test Take control, and feel no shame. The Dotcom revolution went bust. The telecommunications industry has gone south. Thousands have been laid off. This is not your fault. You cannot control the economy, you cannot control pie in the sky investors, and you cannot control voodoo accountants at multinational corporations (Enron), but you can take control of your own financial situation back by contacting a bankruptcy lawyer . Since you were a tiny tike, the marketing companies have been trying to get you to buy into neighbor Jones \' dream. Be like Barbie. Get whatever you wanted. Go for it. If you didn \'t have the cash, \"charge it. \" The Credit Card / Debt Trap Credit card companies have been enticing -- pleading -- for you to charge up at 23% (some 28.99%) for years. How many \"account balance \" transfer offers have your received? How many new extensions of credit card debt have you gotten? Here \'s the trap: after you have established a decent payment history with a credit card company, they increase your credit limit. \"Congratulations, \" they say. Now that you have more credit, go out and spend it. Here are some additional checks that are as good as money. Spend away. They will keep upping that credit limit until you can barely make the minimum payment. When this happens (and it happens to a lot more people than you think), they own you. If you pay only the minimum payment on your Mastercard or Visa, you \'ll be paying that debt for 35 years or more. Is it any wonder people are stuck in this minimum payment trap? Don \'t feel any shame about taking back control. The Thing Credit Card Companies Fear The only thing the credit card companies have to fear is the United States Bankruptcy Code and a bankruptcy attorney . That is why they lobbied Congress to the tune of $25,000,000.00 in so-called bankruptcy reform to get the bankruptcy laws changed to protect them from you . Fortunately, their efforts in 2001 failed. If you are considering bankruptcy, the bankruptcy lawyers at Los Angeles Bankruptcy offer a helpful consultation to help you come to terms with your financial future. We understand. Chapter 7 Bankruptcy Chapter 7 Bankruptcy is where you liquidate all non-secured debts. Chapter 7 Consumer Liquidation Bankruptcy applies when the monthly payment on all personal overhead (rent/car payment/utilities/groceries) exceeds your take home income. You will keep your home and your car under the current state of the law (these are called California bankruptcy exemptions ). You will want to have a skilled bankruptcy attorney to help so you don \'t lose anything. Click here to read more about Chapter 7 Liquidation Bankruptcy . Chapter 13 Bankruptcy Chapter 13 Bankruptcy is all about forcing creditors to negotiate with you subject to a bankruptcy trustee \'s approval. Chapter 13 Bancruptcy forces creditors to settle up for dimes on the dollar. Once again, you take control and you set forth a Chapter 13 Bankruptcy plan that you can work with. Chapter 13 Consumer Bankruptcy applies when your income exceeds your monthly personal overhead to some extent such that you are able repay some portion of the debt back. Once again, however, recognize Chapter 13 Consumer Bankrupcy puts you back in control. Click here to read more about Chapter 13 Wage Earner Bankruptcy. To learn more above the differences between Chapter 7 Liquidation Bankruptcy and Chapter 13 Wage Earner Bankruptcy, click here [under construction]. Credit Card Debt Management and Consolidation Services Debt Consolidation Companies Are in Control Credit card counseling and debt management services - it doesn \'t work, in our experience. Numerous clients have come to us after using a debt management company like CCC and their ilk. Recognize \"nonprofit \" organizations like CCCS are funded by the credit card companies - are they on your side? No. Further, some counseling services require you to give them your paycheck. They take their fee, pay the credit card companies a payment, and then give you a monthly stipend. Don \'t do this. Take control . Take Control of your Financial Future Don \'t lose control of your financial future. Did you know this? If you breach your contract with a debt management or consolidation company (aka credit counselling), you lose all the benefits you have gained - penalties and interest all gets put back. Did you contract with C.C.C.S. to protect your credit. They are right there on your credit report as Debt Consolidation Service or Credit Management... a negative entry that tells creditors that you are a bad credit risk. Consumer bankruptcy and consumer bankruptcy attorneys and lawyers are about empowering you. Don \'t let someone else control you. Click here to learn more of the frustrating side about consumer credit counseling services . Getting Credit After Bankruptcy Will I get credit offers after my BK ? You will get credit after bankruptcy . Some clients have been very concerned about the state of their credit after filing bankruptcy. It is a fact: a bankruptcy entry will appear on your credit report for 10 years following the discharge. This does not mean that you will not get a credit card, buy a home, or car for 10 years. Far from it; remember: creditors want you to borrow. Shortly after your bankruptcy discharge, we can almost promise that you will receive a credit card offer to help you get back on your feet (possibly from Providian). The fact is, you no longer have the majority of your debt; you have an ability to repay (income is freed up), and you can \'t declare bankruptcy (Chapter 7) again for six years. Further, the probability of a consumer declaring bankruptcy a second time in their lifetime is low (it does happen, but after most people do it once, they change their habits). MORE INFORMATION ABOUT CREDIT AFTER BANKRUPTCY Mortgage After Bankruptcy Can I Buy A House or Car After Bankruptcy ? Yes! You can buy a house after bankruptcy. A home loan is up to the discretion of the lender, obviously. However, many of them want your business. They may charge you a higher interest rate or points on your loan, but it certainly is possible to get a loan for a house after bankruptcy. How long? Figure on waiting two years: the bankruptcy will still be there on your record, but it will be a diminished factor which they consider. We work with mortgage lenders we can direct you to which will help you into your next home. So yes, you can and will get a mortgage after bankruptcy. The Caring Bankruptcy Attorneys Here Understand Los Angeles Bankruptcy offers a helpful bankruptcy consultation. We are here to help you take back control of your financial future. In order to make our first appointment and advice more meaningful, download our internet bankruptcy questionnaire in Adobe PDF format. You can then mail it to us or bring it in. Contact us with our quick contact form . San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","File Bankruptcy","Deciding Whether to File Bankruptcy","");arrFiles[29]=new Array("bankruptcy-fraud.htm","Bankruptcy Fraud","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bankruptcy Fraud Home > BK Info > Bankruptcy Fraud A creditor may challenge the discharge of a debt in bankruptcy if it believes the debt was incurred by fraud. In the credit card context, that usually means that the creditor alleges that either the card was obtained by using false information, or, more frequently, that the use of the card by the debtor was fraudulent. Just claiming that the debt was incurred by fraud is not enough to except the debt from discharge: the creditor must present facts that prove fraud at trial. Factors suggesting fraud To decide whether a credit card charge was incurred by fraud, judges sometimes use a checklist of factors that suggest fraud, since there is seldom explicit evidence of dishonesty. Those factors which the court weighs in making its decision are : the length of time between the charges and the bankruptcy filing; whether or not an attorney had been consulted concerning the filing of bankruptcy before the charges were made; the number of charges made; the amount of the charges; the financial condition of the debtor at the time the charges were made; whether the charges were above the credit limit of the account; whether the debtor made multiple charges on the same day; whether or not the debtor was employed; the debtor \'s prospects, whether there was a sudden change in the debtor \'s buying habits; and whether the purchases made were luxuries or necessities. See In re Dougherty , 84 B.R. at 657. The factors used vary from circuit to circuit and the exact standard (if there can be said to be an \"exact standard \") differs depending on where the bankruptcy is filed. If these issues are pertinent to your situation, get good bankruptcy advice from an attorney. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bankruptcy Fraud","Bankruptcy Fraud","");arrFiles[30]=new Array("bankruptcy-glossary.htm","Bankruptcy Terms and Definitions","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bankruptcy Terms and Definitions Home > BK Info > Bankruptcy Glossary Debtor: Discharge: Dismissal: San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bankruptcy Terms and Definitions","Bankruptcy Terms and Definitions","");arrFiles[31]=new Array("bankruptcy-information.htm","Bankruptcy Information","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bankruptcy Information Home > BK Info 2 You \'ll find that the links will lead you to a world of information about debt relief. FAQs about Bankruptcy Bankruptcy information is crucial for those who feel that their debt is overwhelming them. For those considering personal bankruptcy , you \'re going to need complete and helpful bankruptcy information. Below are some FAQs for bankruptcy. However, before you get there, you \'ll want to review the \" Should I File Bankruptcy \" page, that addresses some of the guilt or other issues you \'ll be dealing with in this struggle. Q - Will I be able to re-establish credit after I file bankruptcy? A - Yes, to the surprise of many. You \'ll find that the credit card applications start arriving within 6 months. BE CAREFUL and only take on what you can afford. You will have a fresh start with your debt. Don \'t blow it, because you cannot file BK again for another 6 years. Q - That reminds me - I \'ve filed bankrutpcy before. Can I file again? A - Yes, it just depends when. Chapter 7 bankruptcy requires you wait 8 years between filings. There are fewer restrictions on Chapter 13 bankruptcy . Q - How do I stop my creditors from harassing me at work or calling me at home? A - The moment you file bankruptcy , all attempts to collect on debts must stop. Q - What if I \'m about to have my car repossessed, or my house foreclosed and taken back by the bank? In fact, I \'m being sued by some law firm by my creditor. How do I stop all of this? A - Once you file your bankruptcy papers, it all stops. Don \'t waste time. Contact a bankruptcy attorney who is also a Los Angeles bankruptcy lawyer right now . Q - How much is pi? A - 3.1415 Q - Will I have to give back my computer and stereo? A - Probably not. A good bankruptcy lawyer can help you with California \'s bankruptcy exemptions . Read our Should I File bankruptcy page, or contact us now . San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bankruptcy Information","Bankruptcy Information","");arrFiles[32]=new Array("index.html","Los Angeles Bankruptcy Lawyer Attorney in Southern California, Palmdale, Santa Clarita, San Fernando Valley, Ventura, Valencia Orange County Attorneys Lawyers","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankruptcy Home Feel no guilt, nor shame. Life happens. You deserve a fresh start. You deserve to wipe the slate clean. We can help. Let us stop the debt collector calls and put the credit card burden behind you. Bankruptcy attorneys in Los Angeles have prepared this site to help you get the bankruptcy information you need and find a personal bankruptcy lawyer. Places to get started Here are a couple of things to do as you look around: What type of debt do you have, and will BK eliminate it? Bankruptcy info : difference between Chapter 7 and Chapter 13 Should I file? Take our free bankruptcy test and email us the score! New bankruptcy law : is bankruptcy dead? Contact us now Let a Los Angeles bankruptcy attorney help you in deciding if you should file bankruptcy by calling us now toll-free at (888) 54-BK LAW or using the quick contact form . Make your phone your friend again. * CONTACT A LOS ANGELES BANKRUPTCY ATTORNEY NOW * We serve not just Los Angeles, but are Southern California bankruptcy lawyers , including Orange County , San Fernando Valley , Ventura County ,	Santa Clarita bankruptcy , Antelope Valley , and San Bernandino San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Los Angeles Bankruptcy Lawyer Attorney Southern California, Palmdale, Santa Clarita, San Fernando Valley, Ventura, Orange County Attorneys Lawyers","Los Angeles Bankruptcy Attorney - Get a fresh start with bankrupcy today Los Angeles Bankruptcy Lawyers","");arrFiles[33]=new Array("bankruptcy-links.htm","Los Angeles Bankruptcy Links","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankruptcy Links Home > BK Info > Bankruptcy Links Chapter 13 Bankruptcy Trustees Los Angeles Bankruptcy Court locations Bankruptcy Court Zip Code Search Pacer / WebPacer American Bankruptcy Institute Los Angeles US Bankruptcy Code Orange County American Board of Certification Riverside Los Angeles Bankruptcy Forum San Fernando Valley Bankruptcy Action N.D. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Los Angeles Bankruptcy Links","Los Angeles Bankruptcy Links","");arrFiles[34]=new Array("bankruptcy_petition_preparers.htm","Southern California Bankruptcy paralegal Los Angeles consumer bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Southern California Bankruptcy Paralegal Home > BK Info > Bankruptcy Preparers (Paralegals) Bankruptcy Petition Preparers Not only bankruptcy attorneys can help you with your bankruptcy petition. There are others. Incorrectly called \"paralegals, \" these Bankruptcy Petition Preparers (or BPPs) operate in the Los Angeles area and elsewhere. While many are quite ethical, and stay within the very narrow and limited area in which they are allowed to operate -- completing the forms and schedules -- some do not. The following is a list of sanctions from the United States Trustee \'s newsletter for the Los Angeles bankruptcy court, some involving bankruptcy fraud .. United States Trustee Beats We The People In U.S. District Court In two unrelated cases, U.S. District Court Judge Gary A. Feess affirmed the rulings of Judge Peter H. Carroll of the Riverside Division of the Court that Bankruptcy Petition Preparer ( \"BPP \") We the People violated §110(g)(1) by taking filing fees from debtors for immediate transmittal to the Court in the form of a money order or cashier \'s check. The District Court held the statute \'s plain language barred the BPP from receiving or collecting the fee in any form. Bankruptcy Petition Preparers (BPPs) Violate 11 U.S.C. Section 110 in Four Separate Cases ► On 12/05/03 Judge David N. Naugle of the Riverside Division of the Court granted the UST \'s motion for fines and disgorgement of fees under §110 against BPPs Bianca Campuzano and National Institute Legal Center, Inc. for collecting the court filing fee from debtor and giving legal advice with respect to debtors \' exemptions and the differences between Chapters 7 and 13. The Court fined the BPPs $1,000, enjoined them from the unauthorized practice of law and ordered disgorgement of their entire fee of $320 to the debtors. ► On 12/8/03, Judge Meredith A. Jury of the Riverside Division of the Court granted the UST \'s motion for fines and disgorgement of fees under §110 against BPPs Oscar Snow, Moreno Valley Legal Center and/or National Institute Legal Center for charging in excess of the allowed $200 fee, taking possession of the filing fees and engaging in the unauthorized practice of law by giving legal advice. Based on discovery conducted by the UST, the Court found that Snow perjured himself in his reply papers. The Court fined the BPPs $1,000, ordered disgorgement of $460 in fees to the debtor, and permanently enjoined Snow from preparing any documents for filing with the Court. ► On 12/15/03, Judge Naugle granted the UST \'s motion for fines and disgorgement of fees under §110 against BPPs Oscar Snow Bianca Campuzano and National Institute Legal Center for receipt by a BPP of the filing fee and giving the debtor legal advice regarding the selection of exemptions and the differences between Chapters 7 and 13. The Court ordered the BPPs to disgorge all fees of $200 to the debtor, fined them $500, and enjoined them from the unauthorized practice of law. They were also enjoined from preparing any bankruptcy documents for compensation for filing with the Court. ► On 1/12/04, Judge Peter Carroll took the UST \'s §110 Motion under submission against BPPs Oscar Snow and National Institute Legal Center. The BPPs and the debtor opposed the Motion. The UST deposed the debtor and Oscar Snow. The transcripts were submitted as evidence at the continued hearing. On 1/29/04, the Court entered its Memorandum Decision fining BPPs $500 for violation of §110(f), ordering full disgorgement of all fees of $200 for the unlawful practice of law, ordering that an additional fine of $500 would be imposed if the BPPs did not satisfy the fine and disgorgement in full within 30 days, and prohibiting the BPPs from preparing any documents for compensation for filing with the Court. Fines, Disgorgements, Injunctions and Other Actions BPP Tom Choi was enjoined by Judge Peter Carroll from the unauthorized practice of law for explaining the differences between Chapters 7 and 13 and explaining exemptions. Choi was also enjoined from accepting or processing the filing fee in any future bankruptcy cases. Judge Robert W. Alberts of the Santa Ana Division of the Court permanently enjoined Ora Gardener from acting as a BPP under §110 for the unauthorized practice of law, and ordered her to disgorge the sum of $175 to debtor. Gardner had advised debtor which exemptions to list for his residence and Harley Davidson and had apparently advised debtor that he could keep them both. However, the exemption listed for the Harley Davidson was improper and debtor was informed that the vehicle might have to be sold. He was advised to seek the advice of counsel in order to amend his scheduled exemptions. Judge Jury ordered BPP Michael Goldberg to disgorge his entire fee of $600 to the debtors and fined him $500 for violation of §110(h) for explaining exemptions and the differences between Chapters 7 and 13. The Court also enjoined Goldberg from the unauthorized practice of law and from preparing documents for compensation of any sort for filing in the Central District. Judge Naugle enjoined BPP Jacqueline M. Knackert (Help U-Law) from preparing any documents for filing with the Court. The UST brought a motion for fines and/or disgorgement of fees based upon information provided at the §341(a) meeting. The Court continued the matter to allow the debtor \'s deposition. After issuing three subpoenas, the deposition was finally taken. Debtor made several admissions, the most pertinent of which was that the Court filing fee was given to Knackert despite Knackert \'s denial, in writing, of taking it. BPPs Gloria G. Maldonado and Shellie Relyea were similarly enjoined by Judge Jury from the unauthorized practice of law for explaining exemptions and the differences in the chapters. Maldonado was additionally ordered to disgorge $120 in overcharged fees. In another case where Gloria Maldonado was the BPP, she violated 11 U.S.C. §110 (c) by failing to disclose her SSN on the petition and violated §110(d) by failing to give the debtor a copy of the documents signed by the debtor before filing them with the Court. Maldonado reported that she could not afford the substantial fine set forth in the judge \'s tentative ruling. In settlement, Judge Peter Carroll accepted a stipulation regarding a permanent injunction against her preparing documents for compensation for filing with the Central District. The Court also ordered her to disgorge $125 in overcharged fees to the debtor. Also in another case where Maldonado prepared the documents, Judge Carroll ordered Maldonado to disgorge $125 in overcharged fees. Judge Peter Carroll fined BPP Jennifer Meeks and Able 2 Help Services $300, jointly and severally, for violation of §110(f)(1). The BPP had used the word \"legal \" in an advertisement in the Yellow Pages by referring to the business as Legal Document Preparation and advertised to do bankruptcies for debtors. Meeks and Able 2 Help Services were also ordered by Judge Naugle to disgorge all fees of $200 to debtor, and were enjoined from the unauthorized practice of law. On 12/16/03, Judge Naugle fined BPP Emily Moreno $100 for accepting the Court filing fee and ordered the $200 preparation fee disgorged. Further, Moreno was enjoined from engaging in the unauthorized practice of law based upon the debtor \'s testimony. Schedule C contained claimed exemptions. However, at the time of the hearing, debtor represented that she did not know what an exemption was, allowing the Court to draw the inference that Moreno completed Schedule C on behalf of the Debtor. Judge Peter Carroll fined BPPs Eugene Osborne and Osborne Paralegal Services $2,000 for violation of §§110(d),(e),(f),(g) and (h), which included receiving payment from debtor of the Court filing fees, and ordered them to disgorge all fees of $650 to debtors. The Court also enjoined the BPPs from the unauthorized practice of law, from using the word \"legal \" in advertising and from preparing documents for compensation for filing with the Court. Judge Peter Carroll fined BPP Delio M. Ospino $500 for taking the filing fee from the debtor and ordered Ospino to disgorge $200 in fees to debtor for giving legal advice regarding exemptions and the differences between Chapters 7 and 13. The Court enjoined the BPP from preparing documents for filing in the Court until the fine and disgorgement were satisfied in full. The UST filed a motion for fines, disgorgement of fees and/or injunctive relief against BPP Lenore Palmer. Palmer filed an opposition, including a declaration by the debtor that recanted debtor \'s earlier testimony. Debtor was deposed to discover which declaration was accurate. At the deposition, the debtor was surprised to see her declaration in Palmer \'s opposition. Debtor has apparently not seen it before. Judge Naugle enjoined Palmer from preparing any documents for filing with the Court, and admonished her to return all fees she had received for the preparation of documents in any other cases that had not yet been filed. Judge Naugle permanently enjoined BPPs Tony Raya and Tony \'s Tax and Real Estate Service from preparing any bankruptcy documents for filing with the Court. Raya failed to sign the petition, to disclose his SSN, and to disclose fees charged. He accepted the filing fee from the debtor and charged debtor $400, which was twice the allowed amount. The Court fined Raya $2,000 and ordered him to disgorge the $400 fee to the debtor. On 12/11/03, the UST obtained an order from Judge Alberts directing BPP Franceso Rebollo to disgorge $750 in fees and pay a $3,500 sanction. Rebollo received a fee from the debtors in excess of what was disclosed to the Court and listed only Janet Anisman of Justice For All as the preparer in the case. After the initial hearing, Rebollo stated to the UST that he was working with an attorney and Anisman in this case as well as in other cases. Although given a letterhead by Rebollo with the attorney \'s former address, neither the UST nor the State Bar of California were able to verify that such an attorney existed. Rebollo did not appear at the follow-up evidentiary hearing. Anisman, who apparently had no contact with the debtors but allowed her name to be used by Rebollo, also did not appear and was sanctioned $750. The UST is investigating other possible cases where these individuals are involved. Judge Peter Carroll ordered BPP Patricia Vaughan to disgorge all fees received from the debtor in the amount of $200 for the unauthorized practice of law for filing with the Court, in one case transposing the two middle numbers of her SSN on the disclosure forms. On November 7, 2003, Ms. Ruffin was again enjoined by Judge Naugle, this time as the Legal Diva and with her correct SSN. In another case, on 12/23/03, Ruffin and The Legal Diva were fined $500 each, jointly and severally, for a total of $1,500 for §110(g), (d) and (f) violations. The BPPS were also ordered by Judge Naugle to disgorge the entire fee of $200 for the unauthorized practice of law and were enjoined from preparing documents for compensation until the fines and disgorgement were satisfied in full. BPP Terron Thomas was sanctioned $1,000 for contempt of the Court \'s prior order of disgorgement and fine for violation of Section 110(g). Thomas, who had been prohibited from preparing documents for filing in the Central District pending payment of a $500 fine and a $400 disgorgement, was found in contempt of the Court \'s Order of July 30, 2003. Judge Peter Carroll sanctioned the BPP an additional $500 in favor of the Court and awarded $500 to the UST for attorneys \' fees. Judge Carroll indicated that he felt bound by the 9th Circuit decision of In re Dyer, and therefore could not issue punitive sanctions. If the BPP continues in contempt, it may be necessary to go to the U.S. District Court for further sanctions. In a later case, BPP Terron Thomas was fined $500 for violation of §110 (g) for accepting payment of the Court filing fee from the debtor. Judge Peter Carroll also ordered Thomas to disgorge $200 of her entire fee for the unauthorized practice of law in giving debtor advice about exemptions. Thomas was prohibited from preparing petitions or other documents for filing with the Court until the fine and disgorgement were satisfied in full and fined her $500 for violation of §110(g). The Court also ordered that Vaughan be prohibited from preparing documents for filing in the Court for compensation of any sort until the fine and disgorgement were fully satisfied. CPAs Bound by BPP Guidelines BPP Ira Berkowitz agreed to disgorge a total of $600 to two debtors whom he had charged for the preparation of bankruptcy petitions. On the UST \'s motion under §110, Berkowitz suggested that because he was a certified public accountant, he was not bound by the Bankruptcy Petition Preparer Guidelines. However, he conceded that he was not an attorney and not authorized to give legal advice. He agreed to refund the $300 that each debtor had paid to him, and to neither collect Court filing fees nor engage in the unauthorized practice of law. The stipulations were approved by San Fernando Valley Division Judges Arthur M. Greenwald and Geraldine Mund, respectively. BPP Given One Week to Change Advertising Legal Document Assistant Norma L. Guerrero advertised her \"Paralegal Service \" in the Spanish language periodical Novedades August 25, 2003 issue, which included an offer of her \"Bancarrotas \" services. The UST brought a motion under § 110 for fines and to enjoin Ms. Guerrero, among other things, from using the word \"paralegal \" in her advertising. Judge Jury granted the motion on 10/21/03, enjoining Guerrero from engaging in the unauthorized practice of law and from using the word \"paralegal \" in her advertising. Guerrero was given until 10/28/03 to change her advertising or she would be permanently enjoined from bankruptcy document preparation in the Central District of California. Failure to Pay Fines or Disgorgements Judge Naugle permanently enjoined BPPs Larry S. Nava, Sr., L.S. Nava & Associates and Damien Robbins from preparing bankruptcy documents for filing with the Court for failure to pay fines and/or disgorgements previously ordered by the Court. Jean Ruffin and The Legal Beagle, were enjoined as BPPS in 1999 by Judge Jury based upon Ruffin \'s failure to pay Court- ordered fines and disgorgement in excess of $8,000. Ruffin reappeared as The Legal Diva in 2003 and began preparing documents or filing with the Court, in one case transposing the two middle numbers of her SSN on the disclosure forms. On November 7, 2003, Ms. Ruffin was again enjoined by Judge Naugle, this time as the Legal Diva and with her correct SSN. In another case, on 12/23/03, Ruffin and The Legal Diva were fined $500 each, jointly and severally, for a total of $1,500 for §110(g), (d) and (f) violations. The BPPS were also ordered by Judge Naugle to disgorge the entire fee of $200 for the unauthorized practice of law and were enjoined from preparing documents for compensation until the fines and disgorgement were satisfied in full. BPP Terron Thomas was sanctioned $1,000 for contempt of the Court \'s prior order of disgorgement and fine for violation of Section 110(g). Thomas, who had been prohibited from preparing documents for filing in the Central District pending payment of a $500 fine and a $400 disgorgement, was found in contempt of the Court \'s Order of July 30, 2003. Judge Peter Carroll sanctioned the BPP an additional $500 in favor of the Court and awarded $500 to the UST for attorneys \' fees. Judge Carroll indicated that he felt bound by the 9th Circuit decision of In re Dyer, and therefore could not issue punitive sanctions. If the BPP continues in contempt, it may be necessary to go to the U.S. District Court for further sanctions. In a later case, BPP Terron Thomas was fined $500 for violation of §110 (g) for accepting payment of the Court filing fee from the debtor. Judge Peter Carroll also ordered Thomas to disgorge $200 of her entire fee for the unauthorized practice of law in giving debtor advice about exemptions. Thomas was prohibited from preparing petitions or other documents for filing with the Court until the fine and disgorgement were satisfied in full. Note: Some bankruptcy attorneys run afoul of the law, also! San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Southern California Bankruptcy paralegal Los Angeles consumer bankruptcy","Southern California Bankruptcy paralegal Los Angeles consumer bankruptcy","");arrFiles[35]=new Array("contact.htm","Southern California Bankruptcy Ventura County Los Angeles Lawyer Attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Contact a Bankruptcy Lawyer Home > Contact Contact us now for peace of mind An attorney will evaluate your case right over the phone. If it sounds as though bankruptcy may benefit you, we \'ll tell you how to move to the next step. Of course, it \'s not possible to give a full analysis or advice based only on partial information, so the more you share with us, the more assistance we can provide. Toll-free (888) 54-BK LAW Save $250 Save $250! Fill out this form and the online questionnaire linked to on the following page and we \'ll discount your case $250 when you retain our services. You have your choice of two ways to send info to a skilled and compassionate bankruptcy attorney. First, you can use the quick contact form. Then, when you \'re done, also complete the online BK questionnaire, which will shorten the time to get your actual bankruptcy case rolling, as well as providing you a $100 discount. You choose! Read on! (888) 54-BK LAW 1. Quick contact form : Use this if we can call you during daytime business hours. We are discreet when calling you at work. Contact us and have a Los Angeles Bankruptcy Attorney telephone you about your Chapter 7, Chapter 13 or other personal bankrupcy matter. The phone consult is not a commitment, just a chat.	-- Name : SoCal Daytime Phone # : (xxx-xxx-xxxx) Email : Street Address :: City : Zip : Current monthly income : Briefly, what has led you to you considering filing bankruptcy?: If it doesn \'t send (Error 500, Internal Server Error), please temporarily disable your firewall so the javascript that sends the email can run. -- Remember: this is a Los Angeles Bankruptcy site. We can help you if you \'re anywhere in Southern California . If you \'re in the LA., San Fernando Valley , Ventura County or Orange County , San Bernardino , or AV Lancaster CA , areas, chances are excellent that we can help you . 2. Online bankruptcy questionnaire : Also, if you want to really make progress on your case by giving more detailed information, we strongly suggest the online bankruptcy questionnaire in addition to submitted the above form. Benefits of online questionnaire when you submit the form above: This will allow you to feel like you \'re taking tangible and real steps today and right now to get something done about your financial situation. Additionally, since we won \'t have to ask you so many questions later, it cuts down on the consultation time. This is a good way to go if you want a rush job, and need to stop a garnishment, a lawsuit or just the harassing calls... fast ! Finally, the last advantage of completing the online bankruptcy questionnaire right now is that it will reduce the attorney fee of your bankruptcy case. Save $100 if you become a client after you complete the online questionaire on the next screen! YOU WILL HAVE THE ABILITY TO COMPLETE THE ONLINE QUESIONNAIRE ONCE YOU SUBMIT THE QUICK CONTACT FORM ABOVE	-- We \'ll help you quickly! We \'ll call you in the next 4 business hours. Your business -- and customer service -- is very important to us. We believe that this is one thing which sets us apart from other law firms, particularly those one-size-fits-all lawyer factories. Hale Andrew Antico, Esq. (aka Attorney Antico says, \"Of course, it \'s never easy to make the decision to file bankruptcy. Sometimes, though, it \'s the best solution to your problems. You have my word that I will try to advise you on what is best for you, your interests, and your own unique circumstances. \" Los Angeles Bankruptcy : We have helped people from Rancho Santa Margarita to Castaic, from Ojai to Riverside. Our clients are all over Southern California. You don \'t need to be next door to have a qualified and caring bankruptcy attorney. -- Serving Los Angeles / Orange County / Ventura County From a perch just north of the San Fernando Valley, an attorney will meet you at an location at a AV , SFV , OC , VC location close to you (we \'ll even come to you for a prepaid nominal fee). It \'s just one way of showing you that our lawyers want this process to be as easy for you as possible. Customer service is important to us . -- San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","null","null","");arrFiles[36]=new Array("bankruptcy-reform.htm","Bankruptcy Reform - Los Angeles Attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bankruptcy Reform by David W. Langley, Esq. , Fort Lauderdale, FL Note: this 2003 article is out-dated. See our 2006 article about the new bankruptcy law Conferees Reach Agreement on Homestead Provision in Bankruptcy Reform Bill Senate and House bankruptcy conferees met on April 23rd and moved one step closer to sending their report to President Bush by reaching an agreement on the hotly debated homestead exemption provision in the reform bill. It was their first-ever agreement in more than five years of debate on changes to that section of the U.S. Bankruptcy Code. Under existing law, debtors in Florida, Texas, Kansas, Iowa and South Dakota can shield an unlimited amount of home equity from creditors by filing for bankruptcy protection. Under the new agreement, which was a combination of amendments between Sen. Herb Kohl (D-Wis.) and Rep. Sensenbrenner, in order to be eligible for a state’s unlimited homestead exemption, an individual must own a residence in the state for at least 40 months before declaring bankruptcy. If unable to meet the residency requirement, the debtor would be allowed to take only a $125,000 homestead exemption. The new language applies only in states whose homestead cap already exceeds $125,000, such as Florida. The deal would bar individuals convicted of felonies or securities crimes in the past 10 years from having access to the unlimited homestead exemption. The bankruptcy court also would have to find a link between the debtor’s crime and the declaration of bankruptcy. The sole issue standing between the legislation and its enactment concerns the question of whether perpetrators of abortion clinic violence should be able to discharge judgments against them in bankruptcy. The difference between a “blockade” and a “peaceful protest” is the issue holding back an agreement on the bankruptcy overhaul legislation. Conference Committee Chairman James Sensenbrenner (R-Wis.) said the key to finally resolving the dispute would be defining the specific acts that the protest-related provision would cover. Rep. Henry Hyde (R-Ill.) insisted that protesters should be allowed to discharge their protest-related debts if they were fined for inadvertently stepping across lines designed to keep them a certain distance from an abortion clinic. “There are blockades and then there are blockades,” he said. Schumer agreed that peaceful protestors should not be barred from having their debts discharged, but said he would insist on language barring people from discharging debts related to fines levied for purposeful blockading of clinics. Sensenbrenner directed Hyde and Schumer to get together to work out the language differences. No meetings are scheduled for Bankruptcy conferees. While staff negotiations have been ongoing, sources noted that those negotiations probably have run their course, making the issue a \"member-level \" matter, reported CongressDaily. Sen. Charles Schumer (D-N.Y.) said he intended to meet privately with Rep. Henry Hyde (R-Ill.) to see if they can forge an agreement. Both the House and Senate passed bankruptcy reform bills in early 2001, but the two versions differed significantly. Attempts to appoint a conference committee to iron out the differences in the House and Senate versions, and to begin the Conference delayed passage of the legislation for months. The reform legislation, which has run a rocky course for several years, reached another stalemate and was placed on the Congressional backburner in the wake of the terrorist attacks on New York City and Washington, D.C. The formal meeting of House and Senate conferees had been scheduled for September 12th. Note: The bills passed by the House and Senate have not been signed into law. Both houses must adopt the same bill before it can submitted to the President. Both versions of the legislation have an effective date of 180 days after the date of enactment, when the president signs the bill or it is passed over his veto, so the effective date is still more than six months away. Bankruptcy Measure Would Make Filing for Chapter 7 Much Harder The Wall Street Journal has analysed how the proposed bills would change the rules for those filing for chapter 7 bankruptcy. The new law would make filing for chapter 7 more difficult. To read the story, point your browser to www.wsj.com (subscription required). House Bill 333 The House approved H.R. 333, the \"Bankruptcy Abuse Prevention and Consumer Protection Act of 2001 \" by a vote of 306-108 on March 1, 2001. The final vote came after several hours of impassioned debate and consideration of six amendments. Just before the final vote, the House defeated a motion by Rep. John Conyers (D-Mich.) to recommit the bill back to the Judiciary Committee, with an amendment to restrict the marketing of credit cards to those under age 21. The House also defeated a Democratic alternative to the bill, by a vote of 162-256. Now, however, there is... HR 975 HR975 This is the new name of the House bill which proposes bankruptcy reform. It also requires that debt consolidation companies be non-profit. It was widely reported recently that many so-called not-for-profit credit counseling companies really do make a profit off of the process. This is not legal if they want to continue to receive their special status. There are, of course, many problems with HR 975 . Senate Bill 420 The Senate moved slowly in its consideration of amendments to the bankruptcy bill (S. 420), conducting only four roll-call votes on germane amendments on Tuesday, March 13th. The Senate voted to invoke cloture on March 14th, thereby limiting germane and non-germane amendments and clearing the way for final passage. History of the Current Bankruptcy Reform Legislation In June, 1998, the U.S. House of Representatives passed what almost became the most sweeping bankruptcy reform legislation in twenty years. A parallel but slightly less stringent bill was passed by the Senate in September, 1998. The Senate and House versions were then reconciled just before Congress adjourned in October, 1998. The House approved the reconciled legislation but the Senate never voted on the final bill and it died on the Senate floor. Similar legislation was introduced in 1999. That legislation failed to pass in the fall session of Congress. Similar reform legislation was passed by Congress at the close of the 2000 session but President Clinton vetoed the bankruptcy reform legislation on December 19, 2000, too late for Congress to override his veto, saying that it was unfair to ordinary debtors and working families who fall on hard times. The president said the bill would allow debtors who own expensive homes to shield their mansions from creditors while debtors with moderate incomes, especially renters, must live frugally and comply with rigid payment plans for five to seven years. The Proposed Legislation If the proposed legislation is enacted, many individuals will find it much more difficult to file for Chapter 7 bankruptcy protection. Debtors may have to attempt credit counseling before they will be permitted to file for bankruptcy protection. Section 707(b) of the Bankruptcy Code would be amended to provide for dismissal of Chapter 7 cases or (with the debtor \'s consent) conversion to Chapter 13, upon a finding of abuse. Abuse would be presumed if the debtor had more than $100 in monthly income available to pay general unsecured debt, based on a formula incorporating collection standards of the Internal Revenue Service. Debtors whose family income exceeds a national median for their size family would have to go through this \"means testing \" on the request of any creditor. Debtors with the ability to pay 25% (Senate version) or more of their unsecured debt would have to file a Plan under Chapter 13 and make payments for a minimum of 5 years. For individuals with higher than normal expenses (many of which would not be counted in the means testing), the new legislation may severely hamper or altogether eliminate their ability to file for bankruptcy protection. Some other significant changes; Credit Counseling - Debtors must first attempt to negotiate a voluntary repayment plan through a consumer credit counseling service approved by the Court before filing for bankruptcy protection. This requirement may not apply if the debtor faces a potential loss of property before the debtor could complete the good-faith attempt. The debtor would be required to file with the court a certificate from the credit counseling service. If the debtor entered into a debt repayment plan, the plan would also have to be filed. Changes to Chapter 13 - Chapter 13 would be changed by requiring a minimum plan term of 5 years for debtors whose income exceeds the national median. Otherwise a three year minimum is required. Debtors would be allowed to pay up to 15% of their gross annual income to charities. Non-dischargeable Debts - All debts incurred by a debtor over $250.00 within 90 days of the bankruptcy filing would be presumed to have been incurred by fraud, and all fraudulently incurred debt would be non-dischargeable in both Chapter 7 and Chapter 13 cases. Homestead Exemption - The Senate version contains a $100,000.00 cap on the Homestead Exemption that could be claimed in a bankruptcy action. The House version contains a $250,000.00 cap but states can opt out by subsequent enactment. Additional Filing Requirements - Debtors may be required to provide copies of tax returns to the United States Trustee (with disclosure to any interested party), and other information regarding income, expenses, and assets. Failure to file this information would result in automatic dismissal. Two percent of all cases would be audited to insure compliance. What this means to the average consumer: Chapter 7 May Be Unavailable - Consumers with relatively high income compared to their unsecured debt will have to file under Chapter 13 and make payments for a minimum of five years. This may work well for many people, but for others it takes away much of the incentive to file bankruptcy. It is anticipated that many individuals will also manipulate their financial status by reducing their present income (temporarily quitting a second job or refusing overtime) or by artificially inflating their debts in order to file under Chapter 7. It Will Cost More - All of the new restrictions, intended to lessen the ease of filing bankruptcy, will result in more time and effort on behalf of the debtor and more work for their attorneys, causing higher attorneys fees. It May Take Longer To Re-Establish Credit - Most bankruptcy debtors now file under Chapter 7, receive their discharge in about 4 months, and can be in a position to establish reasonably good credit two years later. Under the new legislation the entire process will take longer and those required to file under Chapter 13 will not receive their discharge for five years. Creditors Will Be More Active - The legislation provides many benefits to creditors, including a number of opportunities to object or get involved in the process. Creditors will have more leverage to obtain payments from debtors through bankruptcy. This also means that creditors may be more difficult to deal with outside of bankruptcy. The House and Senate bills are designed to reduce bankruptcy filings and increase payments to creditors in bankruptcy. However, the bills contain a number of provisions that may impair the overall effectiveness of the consumer credit system. For example, creditors that are now willing to cooperate in voluntary arrangements because the debtors otherwise may file a Chapter 7 bankruptcy may be less cooperative if that option is removed. The longer minimum plan length in Chapter 13 may also increase the number of plans that default or fail. The legislation may also lead to greater court involvement and will generate additional expense for the courts and the parties involved in them. The extent to which the changes will achieve the desired goals or create undesirable results cannot be fully known until the new system is in place. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bankruptcy Reform","Bankruptcy Reform","");arrFiles[37]=new Array("bankruptcy-trustee.htm","Chapter 13 Bankruptcy Trustee Information","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Chapter 13 Bankruptcy Trustee Information Home > BK Info > Bankruptcy Trustees Here is some information regarding the United States Bankruptcy Trustees located in California. Central District Trustees Central District (Orange County): Amrane Cohen Central District (Los Angeles): Kathy Dockery and Nancy Curry Central District (San Fernando Valley & Santa Barbara/Ventura): Elizabeth Rojas Central District (Riverside): Rod Danielson Eastern District Trustee Links Eastern District (Fresno): M. Nelson Enmark Eastern District (Sacramento): Jan P. Johnson Eastern District (Sacramento): Lawrence J. Loheit Eastern District (Modesto): Russell D. Greer Southern District Trustee Links Southern District (San Diego): Thomas Billingslea Southern District (San Diego): David L. Skelton Northern District Trustees Northern District (Hayward): Martha G. Bronitsky Northern District (San Jose): Devin Derham-Burk Northern District (Santa Rosa): Michael H. Meyer Northern District (Foster City): David Burchard These are all the United States Bankruptcy Chapter 13 Trustee links located in California. There are other Federal Courts in the 9th Circuit , including the US District Court, Central District San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Chapter 13 Bankruptcy Trustee Information","Chapter 13 Bankruptcy Trustee Information","");arrFiles[38]=new Array("bankruptcy_attorney.htm","Bankruptcy Attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Links Search Site Map Find an attorney for: San Fernando Valley bankruptcy Ventura County bankruptcy Antelope Valley bankruptcy Pasadena / Burbank bankruptcy Orange County bankruptcy Santa Clarita bankruptcy Bankruptcy Attorney Home > BK Info > Bankruptcy attorney Why a bankruptcy attorney to handle your Los Angeles bankruptcy ? You really want to trust someone who is an expert to help you with something that will shape your financial life for years to come. It \'s the age-old dilemma: \"If I had enough money for a lawyer, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having a bankruptcy attorney help you. A skilled bankruptcy lawyer can save you much more money than you \'ll spend. Sure, you can have a paralegal prepare your documents. But that \'s all they can do. They cannot practice law, and cannot even tell you whether you should do a Chapter 7 or a Chapter 13. Sometimes, these legal document assistants do. They are violating California law by giving you legal advice. Only a backruptcy attorney who has passed the California Bar can give you legal advice. With everyone else, you \'re taking your chances, and their character could be questionable. You are able to file bankruptcy on your own. This could save hundreds of dollars. But at what long-term cost? Many people who try to do all their own forms end up having their cases dismissed, and then have to wait 6 months or more to file again, even if they want an attorney to help them. In the meantime, they have to go back to pay all their bills and debts, and have the creditors call at home and at work. And how much is that worth? What about the thousands upon thousands of dollars a skilled lawyer can save in exemptions and planning? For many people, it really pays to contact a lawyer who knows this area: skilled bankruptcy attorneys Los Angeles , so contact us now! Helpful Consultation | Santa Clarita Bankruptcy | Ventura County Bankruptcy | Los Angeles Bankruptcy Court | Site Index We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","bankruptcy Attorney","bankruptcy Attorney","");arrFiles[39]=new Array("bankruptcy_attorney_sanctions.htm","Los Angeles Bankruptcy Lawyer Attorney in Southern California","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bankruptcy Attorneys Sanctioned Home > BK Info > Bankruptcy sanctions This is a continuation of the United States Trustee \'s report of sanctions against people who have helped (or not) people seeking bankruptcy help. $300 Attorney Fees Disgorged Judge Jury granted the UST \'s motion for disgorgement of fees in the amount of $300 from attorney Stanley M. Becker. Becker failed to represent debtors David and Karen Langehennig in defending the UST \'s Section 707 dismissal motion and failed to request relief as counsel of record, compelling debtors to represent themselves or face dismissal of their case. Judge Jury reasoned that Becker was obligated to take affirmative action in his representation of the debtors and failed to do so. Discipline Panel Revokes Right to Practice Judges Peter Carroll, Jury and Naugle referred attorney Susan Jordan to the U.S.B.C. \'s Discipline Panel based upon her continued failure to pay Court-ordered fee disgorgements and fines. On December 3, 2003, the Discipline Panel revoked Jordan \'s right to practice before any bankruptcy judge in the District based upon her violation of legal and ethical responsibilities. The Panel stated that her refusal to follow court orders was endemic and she had made no attempt to carry out her duties as an officer of the Court. The Discipline Order provides that it will be forwarded to the United States District Court and to the State Bar of California. Jordan appealed the order and made an application for stay pending the Appeal. The stay was denied. Attorney Ordered to Disgorge Fees and to Appear at his § 341(a) Meetings Judge Erithe A. Smith of the Los Angeles Division of the Court granted the UST \'s motion for disgorgement of fees and ordered attorney David Marh to return $500 to a debtor and to personally appear with his clients at the § 341(a) meeting of creditors. The Order resulted from the debtor appearing at two §341(a) meetings with the same appearance attorney. No creditors were scheduled on the debtor \'s bankruptcy papers (except the IRS with zero dollars owing). The statement of financial affairs was incomplete and the IRS was listed on the mailing matrix with an incorrect address. At both meetings, the chapter 7 trustee asked the debtor why the bankruptcy was filed. Neither the debtor nor the appearance attorney offered an explanation. Judge Smith granted the UST \'s separate motion to dismiss the case under § 707(a). Attorney Agrees to Discipline and Disgorgement A UST investigation revealed that attorney Bernal P. Ojeda failed to meet with or consult with his clients in 17 cases. Ojeda then initiated discussions that culminated in his stipulating to return all fees in the 17 cases in the total amount of $15,450 and to have the matters referred to the Court \'s Discipline Panel. Ojeda admitted that he did not adequately supervise his staff with regards to the interview of the debtors, the preparation of debtors \' petitions and other bankruptcy documents. Attorney Agrees to 30 Month Voluntary Suspension and Sale of Practice Claudia L. Phillips agreed to not engage in the practice of bankruptcy law in the Central District for 30 months. Phillips, who had one of the largest consumer bankruptcy practices in the country, filing over 1,200 petitions in 2002, also agreed to sell her bankruptcy practice. Phillips had earlier been referred to the Court \'s Discipline Panel by Judge Ernest M. Robles of the Los Angeles Division of the Court. Judge Robles issued findings of fact and conclusions of law that Phillips and the other attorneys in her office failed to provide legal services to a debtor and failed to meet with the debtor prior to filing debtor \'s petition. Judge Robles found that Phillips \' non-attorney husband, Ken Phillips, provided legal advice to the debtor and concluded that Claudia Phillips aided in the unauthorized practice of law, failed to adequately supervise the work of non-attorneys, and failed to perform legal services with competence. Other inappropriate conduct cited by Judge Robles included: failure to meet with and consult with clients; failure to abide by Court orders; improper solicitation of client, and allowing a staff member to sign the debtor \'s name, as well as Phillips \' name, on bankruptcy documents. The Discipline Panel approved a Stipulation in Lieu of Discipline on January 16, 2004. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","null","null","");arrFiles[40]=new Array("bankruptcy_fraud.htm","Bankruptcy Fraud","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bankruptcy Fraud Home > BK Info > Bankruptcy Fraud 2 A creditor may challenge the discharge of a debt in bankruptcy if it believes the debt was incurred by fraud. In the credit card context, that usually means that the creditor alleges that either the card was obtained by using false information, or, more frequently, that the use of the card by the debtor was fraudulent. Just claiming that the debt was incurred by fraud is not enough to except the debt from discharge: the creditor must present facts that prove fraud at trial. Factors suggesting fraud To decide whether a credit card charge was incurred by fraud, judges sometimes use a checklist of factors that suggest fraud, since there is seldom explicit evidence of dishonesty. Those factors which the court weighs in making its decision are : the length of time between the charges and the bankruptcy filing; whether or not an attorney had been consulted concerning the filing of bankruptcy before the charges were made; the number of charges made; the amount of the charges; the financial condition of the debtor at the time the charges were made; whether the charges were above the credit limit of the account; whether the debtor made multiple charges on the same day; whether or not the debtor was employed; the debtor \'s prospects, whether there was a sudden change in the debtor \'s buying habits; and whether the purchases made were luxuries or necessities. See In re Dougherty , 84 B.R. at 657. The factors used vary from circuit to circuit and the exact standard (if there can be said to be an \"exact standard \") differs depending on where the bankruptcy is filed. If these issues are pertinent to your situation, get good bankruptcy advice from an attorney. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bankruptcy Fraud","Bankruptcy Fraud","");arrFiles[41]=new Array("bankruptcy_information.htm","Bankruptcy Information","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bankruptcy Information Home > BK Info Bankruptcy information is crucial for those who feel that their debt is overwhelming them. For those considering personal bankruptcy , you \'re going to need complete and helpful bankruptcy information. Below are some FAQs for bankruptcy. However, before you get there, you \'ll want to review the \" Should I File Bankruptcy \" page, that addresses some of the guilt or other issues you \'ll be dealing with in this struggle. Q - Will I be able to re-establish credit after I file bankruptcy? A - Yes, to the surprise of many. You \'ll find that the credit card applications start arriving within 6 months. BE CAREFUL and only take on what you can afford. You will have a fresh start with your debt. Don \'t blow it, because you cannot file BK again for another 6 years. Q - That reminds me - I \'ve filed bankrutpcy before. Can I file again? A - Yes, it just depends when. Chapter 7 bankruptcy requires you wait 6 years between filings. There are fewer restrictions on Chapter 13 . Q - How do I stop my creditors from harassing me at work or calling me at home? A - The moment you file bankruptcy , all attempts to collect on debts must stop. Q - What if I \'m about to have my car repossessed, or my house foreclosed and taken back by the bank? In fact, I \'m being sued by some law firm by my creditor. How do I stop all of this? A - Once you file your bankruptcy papers, it all stops. Don \'t waste time. Contact a bankruptcy attorney who is also a Los Angeles bankruptcy lawyer right NOW . Q - How much is pi? A - 3.1415 Q - Will I have to give back my computer and stereo? A - Probably not. A good bankruptcy lawyer can help you with California \'s bankruptcy exemptions for personal bankruptcy . THINGS TO DO NOW Read our Should I File bankruptcy page, or contact us now . San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bankruptcy Information","Bankruptcy Information","");arrFiles[42]=new Array("california-bankruptcy.htm","California Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test California Bankruptcy Home > Geo > California California bankruptcy is really the same as other states \' bankruptcy programs, witih some minor differences. You see, bankruptcy is governed by Federal law, and you \'ll be in federal court. So, if you \'re a CA resident, you \'ll want to file your California bankruptcy in a Federal court in your local jurisdiction. Like most complicated and confusing things, you \'re probably best not trying this yourself, though you certainly can. It \'s probably better to work with a bankruptcy attorney who is licensed in your local district. However, one of the most important things to know about are the California bankruptcy exemptions , as these can help you protect your property from your creditors. They are constantly changing by the state legislature, so check the law before filing bankruptcy . If you are looking for a Los Angeles attorney , you \'re going to want someone familiar with the Los Angeles bankruptcy court , and the local rules. (of course, this would hold true for your own jurisdiction -- in addition to CA bankruptcy exemptions, each court has its own way it likes things done, including customized forms). For those of you seeking personal bancruptcy in Southern California, we \'re hopeful that you contact us and give Los-Angeles-Bankruptcy.net the chance to help you with your California bankruptcy. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","California Bankruptcy","California Bankruptcy","");arrFiles[43]=new Array("article-bankruptcy-myths.htm","Bankruptcy Myths FAQs New Bankruptcy Law","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Myths About Bankruptcy after the Law Changes Home > Articles > Bankruptcy reform myths by Hale Andrew Antico, Esq. The bankruptcy law has been changed now for over half a year. Many provisions of the new law -- really a total rewriting of the bankruptcy code -- have gotten a lot of media exposure. However, this has left false impressions with many people as to the true impact of the laws surrounding bankruptcy, and the real state of things as they are today. This is unfortunate, as there were already many bankruptcy myths and misconceptions involving BK before the law changed. So, when you wrap an enigma inside of a mystery, you get all kinds of riddles and conundrums.Let \'s tackle a couple of the legends. Myth : Bankruptcy is no longer available as a debt solution The dramatic changes to the bankruptcy law did not eliminate this last resort. Even Chapter 7 bankruptcy, which allows people to wipe their debt away without any repayments, is still available. The major changes surrounding Chapter 7 involve anyone being able to qualify for it. There are income limitations involving the availability of Chapter Seven bankrupcy now. Which leads us to... =-=-=-=-= Myth : People who make better-than-average income can no longer file bankruptcy. Without splitting hairs about the difference between a median and an average (something that many of us last heard about in eighth-grade math class), bankruptcy still exists even for those who earn more than the state median. The major difference here is that the very strong presumption that these high earners should be paying something back in a situation very much like debt consolidation. Why? Because they can afford to. This is the overall wind shift in the new law, and exactly the reason that Chapter 13 bankruptcy is around. =-=-=-=-= Myth : Everyonemust file Chapter 13 bankruptcy now .... Most people who have filed bankruptcy since the law changed have still filed Chapter 7. In other words, the income limitations meant to corral more people into Chapter Thirteen bankruptcy have impacted only some debtors. Granted, Chapter 13 filings are up from last year (which is the law \'s intent), but those that do file Chapter 13 have a real and definite timeline to get out of debt. However, Chapter 7 bankruptcy is still available for those that qualify. Myth : ... and pay back all their debt While many Chapter 13 debtors do pay all their debt back over three or five years of monthly payments, not all do. Some only pay the portion which they can afford. What cannot be afforded to be paid back in the payment plan gets wiped away. End result? Being out of debt in 36 or 60 monthly payments. =-=-=-=-= Myth : I \'ll lose my stuff and the creditors will call me, sue me and garnish me. Ok, this is really a few myths all into one. Most people who file bankruptcy with someone who understands the protections available for their property lose their property. Also, the very strong power of \"bankrupty protection \" is still as forceful as ever. As soon as your creditors are notified of your filed case, phone calls, letters, lawsuits, foreclosures and even wage garnishments must stop immediately. =-=-=-=-= Myth : It costs an arm and a leg to get a fresh start with a bankruptcy attorney. Prices are higher than before. The filing fee has gone up, and there \'s the new cost of credit counseling. It \'s not out of reach, though. While it \'s one of life \'s little ironies that it typically \"costs money to go broke \", an affordable payment plan is available with our office. As you can see, bankruptcy is still around as a viable safety net for those who took a risk in life that didn \'t work out, or just plain had bad luck (divorce, job loss, car accident, etc). This is not intended to trivialize the changes in the BAPCPA, for the modifications in the law are vast and meaningful, both in substance and procedural. However, if you want a fresh start, a skilled practitioner in this specialized field can help you navigate these new murky waters and get the breathing room you need. CONTACT A BANKRUPTCY LAWYER NOW San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bankruptcy Myths FAQs New Bankruptcy Law","Bankruptcy Myths FAQs New Bankruptcy Law","");arrFiles[44]=new Array("california-bankruptcy-exemptions.htm","California Bankruptcy Exemptions","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test California Bankruptcy Exemptions Home > BK Info > California Bankruptcy Exemptions 2 This page may not be up-to-date. Check California \'s CCP for more info. Whether you \'re filing a chapter 7 or a chapter 13, you are allowed to keep some of your possessions. The part of Calilfornia state law that allows this is called \"exemptions. \" These vary from state to state, so you want to make sure you \'re using California bankruptcy exemptions. There are two \"schemes \" (and we mean this in a good way) that a debtor can use when filing in California. Los-Angeles-Bankruptcy.net Scheme 1 Scheme 2 Homestead : real prop to... $50,000 if single; double if married $75,000 for families (if others who live there have no or only CP interest in homestead) $125,000 if over 65 years old $125,000 if over 55 years old and a) single and earn less than $15,000/year or b) married and earn less than $20,000/year $125,000 if mentally/phys disabled Stuff appliances, clothing and food burial plot health aids Soc Sec bank deposits building materials up to $2,000 to build/improve jewelry and heirlooms up to $5,000 motor vehicles up to $1,900 - more if commercial wrongful death causes of action or recoveries personal injury causes of action or recoveries Insurance Disability or health benefits homeowner \'s insurance money for 6 months life insurance money if it says it can \'t be used to pay your creditors life insurance - a) matured: needed for support or b) unmatured: loan value to $4,000 Pensions County employees, police or firefighters Private retirements, including IRAs and Keoghs Public employees and retirement benefits Public Benefits Financial aid to students Relocation benefits Unemployment benefits Union benefits if labor dispute Workers compensation Tools of Trade up to $5,000 total double if used by both spouses used it Misc Business or professional licenses (not liquor) Property of business partnership Wages 75% of wages paid within 30 days of filing public employees: vacation credits (if getting them at least 75%) Wildcard - No Homestead Real or personal property used as residence to $17,425 Unused portion of this can be used for any property not as fancy as other system more bullets over there Stuff Household items up to $450 each item furnishings books clothing burial plot up to $7,500 (in place of homestead) health aids jewelry up to $1,150 motor vehicle up to $2,775 personal injury recoveries up to $7,500 (not including pain and suffering) wrongful death recoveries used for support Insurance Disability benefits Health aids for debtor or dependent life insurance proceeds unmatured life insurance (details apply) Pensions ERISA-qualified benefits needed for support Public Benefits Crime victim compensation public assistance social security unemployment veterans \' benefits Tools of Trade up to $1,750 Misc : alimony needed for support stock bonus, pension or other fund for support custody needed for support Wages - NO Wildcard $450 of any property unused portion of homestead or burial 704 California Code of Civil Proc CCP 703 California Code of Civ Pro - 703.140(b) As you can see, the two systems are different. You want to be really careful when choosing them. Which is why you \'ll want a skilled Los Angeles bankruptcy attorney to help you with California bankruptcy exemptions. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","California Bankruptcy Exemptions","California Bankruptcy Exemptions","");arrFiles[45]=new Array("california_bankruptcy.htm","California Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test California Bankruptcy Home > Geo > California bankruptcy California bankruptcy is really the same as other states \' bankruptcy programs, witih some minor differences. You see, bankruptcy is governed by Federal law, and you \'ll be in federal court. So, if you \'re a CA resident, you \'ll want to file your California bankruptcy in a Federal court in your local jurisdiction. Like most complicated and confusing things, you \'re probably best not trying this yourself, though you certainly can. It \'s probably better to work with a bankruptcy attorney who is licensed in your local district. However, one of the most important things to know about are the California bankruptcy exemptions , as these can help you protect your property from your creditors. They are constantly changing by the state legislature, so check the law before filing bankruptcy . If you are looking for a Los Angeles attorney , you \'re going to want someone familiar with the Los Angeles bankruptcy court , and the local rules. (of course, this would hold true for your own jurisdiction -- in addition to CA bankruptcy exemptions, each court has its own way it likes things done, including customized forms). For those of you in Southern California, we \'re hopeful that you contact us and give Los-Angeles-Bankruptcy.net the chance to help you with your California bankruptcy. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","California Bankruptcy","California Bankruptcy","");arrFiles[46]=new Array("california_bankruptcy_exemptions.htm","California Bankruptcy Exemptions","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test California Bankruptcy Exemptions Home > BK Info > California bankruptcy exemptions Whether you \'re filing a chapter 7 or a chapter 13, you are allowed to keep some of your possessions. The part of Calilfornia state law that allows this is called \"exemptions. \" These vary from state to state, so you want to make sure you \'re using California bankruptcy exemptions. Note: the following table may be out of date. You are advised to check the local statutes and be certain of current changes in the law. There are two \"schemes \" (and we mean this in a good way) that a debtor can use when filing in California. (note: these are current up to 2004; contact an attorney to see if you \'re protected) Los-Angeles-Bankruptcy.net Scheme 1 Scheme 2 Homestead : real prop to... $50,000 if you \'re single $75,000 for families (if no other homestead) $100,000 if over 65 years old $100,000 if over 55 years old and a) single and earn less than $15,000/year or b) married and earn less than $20,000/year Stuff appliances, clothing and food burial plot health aids Soc Sec bank deposits building materials up to $2,000 to build/improve jewelry and heirlooms up to $5,000 motor vehicles up to $1,900 - more if commercial wrongful death causes of action or recoveries personal injury causes of action or recoveries Insurance Disability or health benefits homeowner \'s insurance money for 6 months life insurance money if it says it can \'t be used to pay your creditors life insurance - a) matured: needed for support or b) unmatured: loan value to $4,000 Pensions County employees, police or firefighters Private retirements, including IRAs and Keoghs Public employees and retirement benefits Public Benefits Financial aid to students Relocation benefits Unemployment benefits Union benefits if labor dispute Workers compensation Tools of Trade up to $5,000 total double if used by both spouses used it Misc Business or professional licenses (not liquor) Property of business partnership Wages 75% of wages paid within 30 days of filing public employees: vacation credits (if getting them at least 75%) Wildcard - No Homestead Real or personal property used as residence to $17,425 Unused portion of this can be used for any property not as fancy as other system more bullets over there Stuff Household items up to $450 each item furnishings books clothing burial plot up to $7,500 (in place of homestead) health aids jewelry up to $1,150 motor vehicle up to $2,775 personal injury recoveries up to $7,500 (not including pain and suffering) wrongful death recoveries used for support Insurance Disability benefits Health aids for debtor or dependent life insurance proceeds unmatured life insurance (details apply) Pensions ERISA-qualified benefits needed for support Public Benefits Crime victim compensation public assistance social security unemployment veterans \' benefits Tools of Trade up to $1,750 Misc : alimony needed for support stock bonus, pension or other fund for support custody needed for support Wages - NO Wildcard $450 of any property unused portion of homestead or burial 704 California Code of Civil Proc CCP 703 California Code of Civ Pro - 703.140(b) As you can see, the two systems are different. You want to be really careful when choosing them. Which is why you \'ll want a skilled Los Angeles bankruptcy attorney to help you with California bankruptcy exemptions. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","California Bankruptcy Exemptions","California Bankruptcy Exemptions","");arrFiles[47]=new Array("car-repossession.htm","Car Repossession Law","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Car Repossession Law Home > Types of debt > Car Repo One of the areas that bankruptcy protection may help is with a car repossession. Will I Lose my Car if I File Bankruptcy ? People are understandably concerned about car repossession if the consumer files bankruptcy. The answer is almost always \"no \" if they remain current on the car loan. Keep current on your car and you likely will not lose it. Or if you \'re months behind on your car payment, and they \'re about to repossess the car, you can file a bankruptcy and let us take care of all the details. I Owe on my Car Repossession It adds insult to deep injury that they make you pay money -- often many thousands of dollars -- after your car repo. This is called a Deficiency Judgment or Deficiency Balance and can result in a wage garnishment . This balance will be taken care of and cleared by a bankruptcy. Contact us for more info. Car Repossession Law If you are behind on payments (even one), the creditor can repossess the vehicle. [California Civil Code 2983.2] They do not need a court order or judgment first. They are usually not allowed to take it from your garage, but can remove it from a public street or parking lot. They cannot use force or breach the peace [California Commercial Code 9503], but can hotwire the car or use duplicate keys. Car repossession law is usually consistent from state-to-state, but check your specfic state law for variations on the above. Can I Get My Repossessed Car Back? You have the right to get the car repo back by paying the overdue amount, plus any fines and costs. These can be rather steep. If you can \'t or won \'t pay, the repossessor must give you 15 days \' notice of the auction. You can bid on your own car. You are entitled to get your belongings which were inside the car back, but only within the short period of time in your contract. Repo Auction Fallout If they get less than you owe as the winning bid (which is usually the case), you \'ll owe the rest . That is the deficiency balance referred to above. It usually is somewhere between $3,000 and $10,000 that you still owe on a car you don \'t have any more. Most people don \'t have that kind of money, so they usually sue you in a lawsuit . You owe it, so they usually win. That means they get a judgment against you. This turns into a wage garnishment where they take part of your paycheck. This is what happens if you do nothing and bury your head in the sand, pretending that just because you gave the car back in a voluntary car repossession, everything is ok. Don \'t Wait Til the Last Minute The number one mistake people who have had a car repo in Los Angeles is giving the car back and pretending it \'s all over. Months go by and they think life has returned to normal. Wrong! You have a lawsuit in your future, and the longer you put it off, the more penalties and interest are going to hit you until you deal with it. By the time you call us, we can \'t help you because you \'ve waited too long. Then you are stuck letting them suck your paycheck every pay period until you \'ve paid the whole thing. Don \'t test them. Don \'t wait for the lawsuit and them to garnish your paycheck. Do something now and take care of it before you lull yourself into a false sense of security and end up paying the price. CONTACT AN EXPERT NOW TO HELP WRAP UP YOUR CAR REPOSSESSION ONCE AND FOR ALL TODAY San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Car Repossession Law","Car Repossession Law","");arrFiles[48]=new Array("cease-desist-letter-to-creditors.htm","Cease Desist Letter to Creditors","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Cease Desist Letter to Creditors Home > BK Info > Creditor Harassment > Cease Desist Letter Here is a sample Cease & Desist Letter to Creditors: Your name Your Address Creditor \'s Name Creditor \'s Address (date) Dear (name of collector): On (date), you or someone from your company contacted me about a debt. I do not believe that I owe this, and I dispute it. In accordance with Section 809 of the Fair Debt Collection Practices Act , I am asking that you provide me, in writing, the following information: what the money you say I owe is for how you calculated this amount in a way I can understand show me copies of papers where I agreed to pay what you say I owe provide me with a copy of a judgement (if applicable) identify the original creditor demonstrate that you or your company is licensed in my state, and inform me of the license number. Please provide this letter to the company for whom you are collecting so that they have notice of my dispute. Furthermore, please inform any credit reporting agencies to which you \'ve reported this debt that it is being disputed. I demand proof that you have done so. Finally, cease and desist from contacting me in this and any and all related matters, except via United States Mail, and only then to inform me that you are terminating all efforts to collect or that you are taking specific court or legal action. Sincerely, (your signature) (your printed name) Your harassing creditors might stop harassing you with this sample cease & desist letter. If not, you can always seek out the help of Los Angeles bankruptcy lawyers . Once you retain our legal services, we will get harassing creditors to contact us, and leave you alone while we prepare your bankruptcy petition. CONTACT US RIGHT NOW San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Cease Desist Letter to Creditors","Cease Desist Letter to Creditors","");arrFiles[49]=new Array("sample-letters-to-creditors.htm","Sample Letters to Creditors","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Sample Letters to Creditors Home > BK Info > Creditor Harassment > Sample letters Here you find a couple of sample letters to creditors that you might find helpful. One of them is a cease desist letter to creditors that should buy you some breathing room from creditor harrassment . San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Sample Letters to Creditors","Sample Letters to Creditors","");arrFiles[50]=new Array("cease_desist_letter_to_creditors.htm","Cease Desist Letter to Creditors","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Cease Desist Letter to Creditors Home > BK Info > Creditor Harassment > Cease Desist Letter 2 Here is a sample Cease & Desist Letter to Creditors: Your name Your Address Creditor \'s Name Creditor \'s Address (date) Dear (name of collector): On (date), you or someone from your company contacted me about a debt. I do not believe that I owe this, and I dispute it. In accordance with Section 809 of the Fair Debt Collection Practices Act , I am asking that you provide me, in writing, the following information: what the money you say I owe is for how you calculated this amount in a way I can understand show me copies of papers where I agreed to pay what you say I owe provide me with a copy of a judgement (if applicable) identify the original creditor demonstrate that you or your company is licensed in my state, and inform me of the license number. Please provide this letter to the company for whom you are collecting so that they have notice of my dispute. Furthermore, please inform any credit reporting agencies to which you \'ve reported this debt that it is being disputed. I demand proof that you have done so. Finally, cease and desist from contacting me in this and any and all related matters, except via United States Mail, and only then to inform me that you are terminating all efforts to collect or that you are taking specific court or legal action. Sincerely, (your signature) (your printed name) Your harassing creditors should stop harassing you with this cease & desist letter. If not, you can always seek out the help of Los Angeles bankruptcy lawyers . While this approach may work, when you retain our services, creditors will be required to deal with your bankruptcy attorney. Contact us now to start your peace and quiet. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Cease Desist Letter to Creditors","Cease Desist Letter to Creditors","");arrFiles[51]=new Array("chapter-13-bankruptcy-overview.htm","Chapter 13 Bankruptcy Overview","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Consumer Chapter 13 Bankruptcy Overview Home > BK Info > Chapter 13 Bankruptcy > Overview You currently have enough extra money at the end of the month to pay your credit card minimum payments. This, of course, is getting you nowhere. You \'ll have the same debt in 8 years, and will still be paying $700 or $1000 or whatever it is each month... forever. There \'s a way to eliminate debts on your terms, like debt consolidation . Or you \'re behind in your mortgage payments, and want to keep your home. And you have extra money each month you \'d like to use to catch up, but the mortgage company won \'t work with you. In either situation, you can take that money you have left at the end of the month and start reducing the debt you owe so that you \'re out of debt in 60 months. The Process . Contact a bankruptcy attorney to get started with your chapter 13 case. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Chapter 13 Bankruptcy Overview","Chapter 13 Bankruptcy Overview","");arrFiles[52]=new Array("chapter-13-bankruptcy-process.htm","Chapter 13 Bankruptcy Process","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Chapter 13 Bankruptcy Process Home > BK Info > Chapter 13 Bankruptcy > Process The process for filing Chapter 13 is a maze-like process, and you will want to have an attorney by your side. The paperwork involved is truly overwhelming, and the time is much greater than a Chapter 7 bankruptcy. Preparing the Petition and Plan Bankruptcy Petition Like any bankruptcy case, you will need to have a bankruptcy petition for the court. This is often 30-50 pages thick and lists your debts, possessions and other information in a very particular order and fashion. Payment Plan The payment plan is the key to a Chapter 13 bankruptcy, and what sets it apart from a Chapter 7 bankruptcy. It sets out all the ways which the debt will be handled during the administration of the bankruptcy by the Chapter 13 Trustee . How much unsecured debt will be paid? Are you going to keep paying on the car, or give it back for a voluntary repossession ? What about the mortgage: will it be caught up if you \'re behind to avoid foreclosure , or if so, how long will it take to pay the arrearages that you \'re behind? In short, a lot of precise and important calculations go into the Payment Plan with the aim of determining the number that matters most to the debtor. This number, of course, is the monthly payment. This monthly payment will be paid for the next 36 months (yes, that \'s 3 years), so it should be something that the debtor can afford. An attorney will try to ensure it \'s something that can be afforded, as well as will be accepted by the bankruptcy trustee and creditors. Court Involvement Filing the Bankruptcy Papers After these are ready, the bankruptcy petition and payment plan are submitted to the U.S. Bankruptcy Court. The papers are filed and the case gets a number and the ball is rolling. The Meeting of Creditors (341a) Like a Chapter 7 bankruptcy, you must go under oath with penalty of perjury regarding the facts that are contained in your bankruptcy petition. You will need to appear in bankruptcy court to answer some brief questions. This is the 341(a) Meeting of Creditors. Confirmation After the bankruptcy court date, your attorney will need to return to court. This involves making sure that the numbers all add up, your chapter 13 payment plan is fair to both you and your creditors, and of course, to accept your next monthly payment. If all goes right, your plan will be \"confirmed, \" your plan is accepted and everything is on automatic pilot. After Bankruptcy Court After confirmation, from this point forward, you will just mail your monthly payments to the chapter 13 trustee . There usually are a couple of restrictions, such as notifying the trustee if you get a change in your income, not spending more than $250 on any particular item, and so on. Remember, by definition, you are not supposed to have any extra money above and beyond your monthly expenses, since that is what is going to your creditors. So, it makes sense that the bankruptcy court and trustee would have an interest on anything that would change the formula of your confirmed plan. Contact a Chapter 13 bankruptcy lawyer now San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Chapter 13 Bankruptcy Process","Chapter 13 Bankruptcy Process","");arrFiles[53]=new Array("chapter-13-bankruptcy.htm","Chapter 13 Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bankruptcy, Chapter 13 Home > BK Info > Chapter 13 Bankruptcy 2 It \'s like debt consolidation , but better. Filing Chapter 13 bankruptcy is for people who have some discretionary income after their normal and usual monthly expenses are deducted from their normal monthly income. For this reason, a Chapter 13 is called a \"Wage Earner Bankruptcy \" 60 Monthly Payments The big difference between Chapter 7 bankruptcy and bankruptcy, chapter 13, is that there are monthly payment plans created for the chapter 13 debtor. Payments must be made to the Chapter 13 Trustee over a period of 3 years (sometimes as long as 5 years). What are these payments? These payments are usually some or all of your credit card debt, whatever you may be behind on your mortgage payment, and sometimes your car loans. This is a good way to stop foreclosure and save your house, as well as stop creditor harassment . And of course, all the California bankruptcy exemptions still apply, so you can keep some or most of your stuff. Wage Earner Bankruptcy Chapter 13 of the Bankruptcy Code is designed to enable individual debtors under Court protection and supervision to apply a portion of future earnings to the payment of a portion of their debts over an extended period of time. The debtor is protected from creditors by an automatic stay while a plan of repayment is developed and carried out. It is similar to a Chapter 11 Business Reorganization. In fact, Chapter 13 is sometimes called \"Consumer Debt Adjustment. \" Chapter 13 was intended to give the wage earner a reasonable opportunity to arrange installment payments out of future income so that creditors would receive more money than they otherwise would receive in liquidation. You \'re going to want a skilled Los Angeles bankruptcy attorney to help you so you can make your payment plan no more than you can afford for your Chapter 13. More Chapter 13 Information Chapter 13 Bankruptcy Overview Chapter 13 Bankruptcy Process San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bankruptcy, Chapter 13","Chapter 13 Bankruptcy","");arrFiles[54]=new Array("chapter-7-bancruptcy.htm","Bancruptcy Chapter 7","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bancruptcy Chapter 7 Home > BK Info > Chapter 7 Bancruptcy Bancruptcy Chapter 7 is where you wash your hands of all debt, and do not pay any of it back. This Chapter 7 bankruptcy is different from Chapter 13 bankruptcy, where you make payments over 36 months. One major concern of many people about bancruptcy is whether they have to give back any of their possessions if they file bancruptcy. The answer is that it depends on how much \"stuff \" you have, but if you \'re like many people who don \'t own much, have no real estate or other major things, chances are that the harassing creditors won \'t be able to get their hands on your stereo, your CD collection or, since you \'re viewing this on the web, your computer. You \'ll want a skilled bancruptcy attorney to help you with this, particularly if you \'re in California. The Chapter 7 California bankruptcy exemptions in California are different than most states, and good bankruptcy lawyers can help protect most (if not all) of it for you. So remember, the difference between this and Chapter 13 is that you don \'t make payments on your debt. Discharging your debt with nothing to your creditors is the essence of a Chapter 7 Bancruptcy. Contact a bancruptcy attorney in Southern California San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bancruptcy Chapter 7","Bancruptcy Chapter 7","");arrFiles[55]=new Array("chapter-7-bankruptcy.htm","Los Angeles Chapter 7 Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Chapter 7 Home > BK Info > Chapter 7 Bankruptcy 2 To file Chapter 7 bankruptcy is where you wash your hands of all debt, and do not pay any of it back. This is different from Chapter 13 bankruptcy, where you make payments. In a Chapter 7 bancruptcy , you wipe away the debt. One major concern of many people is whether they have to give back any of their possessions if they file bankruptcy. The answer is that it depends on how much \"stuff \" you have, but if you \'re like many people who don \'t own much, have no real estate or other major things, chances are that the harassing creditors won \'t be able to get their hands on your stereo, your CD collection or, since you \'re viewing this on the web, your computer. Bottom line : a good bankruptcy lawyer can protect your stuff so you give back nothing. Will I Ever Get Credit Again? The bankruptcy will appear on your credit report for up to ten years after you file. Other accurate negative reports on your credit must be removed after seven years However, according to former clients, this is usually not as big a problem as most people think. Credit lending agencies know you won \'t be able to file another bankruptcy for at least 6 years, and therefore, they don \'t have that risk to bear. You will not get as high a credit limit as you once had, or be able to borrow a large sum of money, but getting some credit (such as a secured credit card) shouldn \'t be that difficult and you can rebuild your credit over time. What you will likely face is higher interest rates, required higher down payments, more points, etc. Some people do have difficulty rebuilding their credit, but it is usually due to other factors besides bankruptcy, such as their employment record, other credit problems, etc. In any event, weI can provide you with excellent materials for helping you rebuild your credit should you so desire. What about Discrimination by my Employer or the Government? You are protected against your job firing you or the federal government not giving you a student loan, etc. This is all mandated in 11 USC 525 . Why do I Need a Lawyer for a \"Simple \" Bankruptcy? There is no such thing as a \"simple \" bankruptcy. Your work life, cash flow, spending patterns, and financial history have unique factors that only a skilled lawyer can pick up on which may affect how your case should be handled to maximize the powerful bankruptcy discharge. Be proud that you \'re not a simple person with a simple life. Only a lawyer can give you legal advice. Only a lawyer can practice law. Only a lawyer can show up at court with you. Only a lawyer can fight a creditor if they contend any part of your case. Only a lawyer is answerable to the State Bar for ethics and competence. You may save a few hundred dollars on a bankruptcy paralegal, but they can \'t do any of the above. You do everything else... alone . And because they are not licensed and have no oversight, any mistake they make which ends up costing you thousands of dollars -- like missing equity in your car where you \'re forced to sell it -- there is nothing you can do. They have your $299 and are moving on to the next customer. Don \'t take a chance and cut corners with a legal process as important as this one which impacts all of your financial affairs! You \'ll want a skilled bankruptcy attorney to help you with this, particularly if you \'re in California. The Chapter 7 California bankruptcy exemptions in California are different than most states, and good Los Angeles bankruptcy lawyers can help protect most (if not all) of it for you. So remember, the difference between this and Chapter 13 is that you don \'t make payments on your debt. The debt in a Los Angeles Chapter 7 is gone . Chapter 13, they get a portion of what you owe them. Discharging your debt with nothing to your creditors is the essence of a Los Angeles Chapter 7 bankruptcy. Contact us now. En Espanol San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Los Angeles Chapter 7 Bankruptcy","Los Angeles Chapter 7 Bankruptcy","");arrFiles[56]=new Array("chapter_13_bankruptcy.htm","Bankruptcy, Chapter 13","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bankruptcy, Chapter 13 Home > BK Info > Chapter 13 Bankruptcy It \'s like debt consolidation , but better. Filing Chapter 13 bankruptcy is for people who have some discretionary income after their normal and usual monthly expenses are deducted from their normal monthly income. The big difference between Chapter 7 bankruptcy and bankruptcy, chapter 13, is that there are monthly payment plans created for the chapter 13 debtor. Payments must be made to the Chapter 13 Trustee over a period of 5 years (sometimes the term can be only 3 years). What are these payments? These payments are usually some or all of your credit card debt, whatever you may be behind on your mortgage payment, and sometimes your car loans. This is a good way to stop foreclosure and save your house, as well as stop creditor harassment . And of course, all the California bankruptcy exemptions still apply, so you can keep some or most of your stuff. You \'re going to want a skilled Los Angeles bankruptcy attorney to help you so you can make your payment plan no more than you can afford for your Chapter 13. More Chapter 13 Information Chapter 13 Bankruptcy Overview Chapter 13 Bankruptcy Process San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bankruptcy, Chapter 13","Bankruptcy, Chapter 13","");arrFiles[57]=new Array("chapter_7_bancruptcy.htm","Bancruptcy Chapter 7","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bancruptcy Chapter 7 Home > BK Info > Chapter 7 Bancruptcy 2 Bancruptcy Chapter 7 is where you wash your hands of all debt, and do not pay any of it back. This Chapter 7 bankruptcy is different from Chapter 13 bankruptcy, where you make payments over 36 months. One major concern of many people about bancruptcy is whether they have to give back any of their possessions if they file bancruptcy. The answer is that it depends on how much \"stuff \" you have, but if you \'re like many people who don \'t own much, have no real estate or other major things, chances are that the harassing creditors won \'t be able to get their hands on your stereo, your CD collection or, since you \'re viewing this on the web, your computer. You \'ll want a skilled bancruptcy attorney to help you with this, particularly if you \'re in California. The Chapter 7 California bankruptcy exemptions in California are different than most states, and good bankruptcy lawyers can help protect most (if not all) of it for you. So remember, the difference between this and Chapter 13 is that you don \'t make payments on your debt. Discharging your debt with nothing to your creditors is the essence of a Chapter 7 Bancruptcy. Contact a bancruptcy attorney in Southern California San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bancruptcy Chapter 7","Bancruptcy Chapter 7","");arrFiles[58]=new Array("chapter_7_bankruptcy.htm","Los Angeles Chapter 7 Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Chapter 7 Bankruptcy Home > BK Info > Chapter 7 Bankruptcy Filing Chapter 7 bankruptcy is where you wash your hands of all debt, and do not pay any of it back. This is different from Chapter 13 bankruptcy, where you make payments. One major concern of many people is whether they have to give back any of their possessions if they file bankruptcy. The answer is that it depends on how much \"stuff \" you have, but if you \'re like many people who don \'t own much, have no real estate or other major things, chances are that the harassing creditors won \'t be able to get their hands on your stereo, your CD collection or, since you \'re viewing this on the web, your computer. We can likely make it so you give nothing back. Will I Ever Get Credit Again? The bankruptcy will appear on your credit report for up to ten years after you file. Other accurate negative reports on your credit must be removed after seven years However, according to former clients, this is usually not as big a problem as most people think. Credit lending agencies know you won \'t be able to file another bankruptcy for at least 6 years, and therefore, they don \'t have that risk to bear. You will not get as high a credit limit as you once had, or be able to borrow a large sum of money, but getting some credit (such as a secured credit card) shouldn \'t be that difficult and you can rebuild your credit over time. What you will likely face is higher interest rates, required higher down payments, more points, etc. Some people do have difficulty rebuilding their credit, but it is usually due to other factors besides bankruptcy, such as their employment record, other credit problems, etc. In any event, weI can provide you with excellent materials for helping you rebuild your credit should you so desire. See our article about Credit After Bankruptcy . What about Discrimination by my Employer or the Government? You are protected against your job firing you or the federal government not giving you a student loan, etc. This is all mandated in 11 USC 525 . Why do I Need a Lawyer for a \"Simple \" Bankruptcy? There is no such thing as a \"simple \" bankruptcy. Your work life, cash flow, spending patterns, and financial history have unique factors that only a skilled lawyer can pick up on which may affect how your case should be handled to maximize the powerful bankruptcy discharge. Be proud that you \'re not a simple person with a simple life. Only a lawyer can give you legal advice. Only a lawyer can practice law. Only a lawyer can show up at court with you. Only a lawyer can fight a creditor if they contend any part of your case. Only a lawyer is answerable to the State Bar for ethics and competence. You may save a few hundred dollars on a bankruptcy paralegal, but they can \'t do any of the above. You do everything else... alone . And because they are not licensed and have no oversight, any mistake they make which ends up costing you thousands of dollars -- like missing equity in your car where you \'re forced to sell it -- there is nothing you can do. They have your $299 and are moving on to the next customer. Don \'t take a chance and cut corners with a legal process as important as this one which impacts all of your financial affairs! You \'ll want a skilled bankruptcy attorney to help you with this, particularly if you \'re in California. The Chapter 7 California bankruptcy exemptions in California are different than most states, and good Los Angeles bankruptcy lawyers can help protect most (if not all) of it for you. So remember, the difference between this and Chapter 13 is that you don \'t make payments on your debt. Discharging your debt with nothing to your creditors is the essence of a Chapter 7 bankruptcy. In Los Angeles, let us file your Los Angeles Chapter 7. We \'ll make it easy. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Los Angeles Chapter 7 bankruptcy","Los Angeles Chapter 7 bankruptcy","");arrFiles[59]=new Array("comunicar.htm","Los Angeles Bankruptcy Lawyer Attorney in Southern California","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Comunicar Con Abogado de Bancarrota Home > Espanol > Comunicar Nombre: Numero de telefono: (xxx-xxx-xxxx) La hora mejor para llamar: Email : ¿De que modo se encontramos?: Mas informacion: Se encontramos al lugar al su gusto. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","null","null","");arrFiles[60]=new Array("consumer-bankruptcy.htm","Consumer Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Consumer Bankruptcy Home > BK Info > consumer bankruptcy Chapter 7 or Chapter 13? The choice of chapter depends on many factors individual to your situation, and is one of the most important reasons to get good legal advice from bankruptcy lawyers before filing. Which chapter is best depends on the nature of your debt and the nature and value of your assets. In general, the choice of chapter is not yours to make but is governed by the \"means test. \" If your monthly overhead (mortgage or rent + insurance + taxes, etc.) exceeds your monthly net income, then you qualify for a Chapter 7 Bankruptcy . If your monthly net income exceeds your monthly overhead, then you qualify for a Chapter 13 Bankruptcy . This still means you must now pass the means test. Chapter 7 Chapter 7 is the most frequently selected kind of bankruptcy for individuals. The debtor receives a discharge of most unsecured debts within several months of filing the case. If the debtor \'s income appears high enough to permit some repayment of debt, the trustee or the court may move to dismiss the case for \"substantial abuse \". The theory is that to permit someone with the ability to repay to file Chapter 7 and avoid repayment abuses the bankruptcy system. This is termed \"substantial abuse \" - catch phrase with the U.S. Congress. If your debt is mixed business and consumer it is important to know what the legal form of the business is. Corporations and partnerships can file Chapter 7 and Chapter 11; the choice depends on whether the business can be reorganized in Chapter 11 or will be liquidated in Chapter 7. Sole proprietorships are treated for bankruptcy purposes as just one kind of asset of the individual who owns them; thus the owner of a troubled business must file an individual bankruptcy, including all of his assets and liabilities, personal and business, to obtain bankruptcy court protection. Chapter 13 Chapter 13 is frequently a better choice if you have debts that are not dischargeable in Chapter 7; if you are in default on mortgages and want to stop forclosure ... or car payments; if you have more property than can be exempted from creditors in Chapter 7; or if you owe taxes or other debts that are not dischargeable in Chapter 7. To be eligible for Chapter 13, you must have regular income and debts below a certain level. Debtors choose to file a repayment plan under Chapter 13 when they owe debts not dischargeable in Chapter 7 ( such as taxes, child support, fraud judgments) they have liens that are larger than the value of the assets securing the debt they have years of unfiled taxes they are behind on car or house payments their assets are worth more than the available exemptions. What debts can be discharged in bankruptcy? The scope of the discharge is different in each chapter. The Bankruptcy Code makes the Chapter 13 discharge more encompassing, to encourage individuals to use Chapter 13 to repay a portion of their debts. Put most simply, most unsecured debt is dischargeable. Most secured debt survives bankruptcy as a charge on the property to which it attaches unless a court order modifies the lien. Click here to read more about Chapter 7 Liquidation Bankruptcy Click here to read more about Chapter 13 Wage Earner Bankruptcy . San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Consumer Bankruptcy","Consumer Bankruptcy","");arrFiles[61]=new Array("contact-success-spanish.htm","Success! Email sent - A Lawyer will call SOON!","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Su correo electrónico era enviado ! HOME > Espanol > Comunicar Su correo electrónico se enviaba con buen resultado ! COMUNICAR CON ABOGADO ¿Ahora qué? Ello es tan fácil como 1,2,3! 1. Conversación ! - El abogado Antico, u otro abogado de bancarrota, le avise en las 6 horas próximas. Cuando nosotros llamamos, para nosotros para aprender algunas de las bases de su caso. Esto supondrá sobre 5 ó 10 minutos de descubrir los rasgos salientes importantes y cualesquiera factores urgentes. 2. Reunión ! - Nosotros arreglaremos una consulta libre donde vendremos a dondequiera que es en meridional California - o su casa o una casa de café local, si prefiere y gaste cerca de 30 minutos aprendiendo algunos de los detalles de su situación. 3. Principio ! - Una vez que nosotros nos hemos acercado y comprendemos su específico particular, podemos empezar trabajando en su caso. Después del primer pago del proyecto de pago flexible es recibido, somos en el lugar de trabajo ! - Precipite trabajos son disponibles por materias particularmente urgentes gustan de adorno de saario. ¿Cuánto esto costará me? ¿Unos ajustes de tamaño todo? Existe nada un abogado responsable y profesional puede evaluar posiblemente el trabajo envuelto con su caso hasta que se conocen todos los detalles. ¿Los molinos bajos en calidad pueden citar un \" los ajustes de un tamaño todo \" precio, pero es que ése el tipo de herrado con clavos y acercamiento de cortador de bizcochito necesita su materia legal muy importante? Mi situación es simple más , allí está nada de eso como una bancarrota \"simple \". Su vida de trabajo, flujo de fondos, modelos de gasto, e historia financiera tienen factores únicos que sólo un abogado importado pueda recobrar la salud en que pueda afectar cómo su caso debe manejarse para aumentar al máximo la descarga de bancarrota poderosa. Sea orgulloso que no es una persona simple con una vida simple. Dió todo ese, es razonablemente seguro decir que los honorarios de abogado arreglarán en alguna parte entre $1100 y $1600 para una 7 bancarrota de capítulo. Sólo después de acercarse en persona a la consulta libre puede la cantidad exacta del trabajo se conoce. ¿Qué debo parar nuestra reunión? A la consulta libre, por favor traiga lo siguiente: últimas declaraciones de tarjeta de crédito La tarjeta de seguridad social completó el cuestionario de bancarrota ( opcional, pero ello él $40 para el informe crediticio ( opcional si usted no sabe todos sus acreedores ) el primero pago del pago planea si usted opta por tener le ayude a conseguir un principio fresco -- el giro postal, la verificación del cajero o cobre en efectivo ( ningunas verificaciones personales, por favor... estoy seguro comprende... en nuestro negocio, las verificaciones personales no son unos servidumbres de paso sagaces para ir COMUNICAR CON ABOGADO Somos honrados para tener la oportunidad para ayudarle. Un abogado le emplazará en breve San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Success! Email sent - A Lawyer will call SOON!","Success! Email sent - A Lawyer will call SOON!","");arrFiles[62]=new Array("contact-success.htm","Success! Email sent - A Lawyer will call SOON!","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Email successfully sent! Home > contact > Success We \'ll call you at the number you left in the next 4 business hours. Of course, feel free to call us. (888) 54-BK LAW Don \'t forget to complete the second online questionnaire below to get the big discount mentioned on the previous page. Now what? 1. Talk! - Attorney Antico will contact you in the next 4 business hours. When we call, allow for us to learn some of the basics of your case. This will involve about 10 minutes of finding out the important highlights and any urgent factors. The bankruptcy lawyer will then go over what your options might be. 2. Get Started! - After we talk and go over all of your options, if we both agree that this is the direction you need to go, then we \'ll mail you some helpful information. You can then come to our office and bring some additional documents for us to review. Regardless, once you sign and return our agreement and retain us, we \'re on your case. This means: Send us your harassing creditor phone calls Call us anytime with any legal questions or concerns relating to your case at no additional fee Have peace of mind - know that your case is being taken care of What do you need to do in order to make all of that happen? After we talk, request that we send you the Representation Agreement. Return it to us and retain us with payment. - Rush jobs are available for particularly urgent matters like wage garnishment or home foreclosure issues. How much will this cost me? One Size Fits All? There is no way a responsible and professional attorney can possibly assess the work involved with your case until all the details are known. Low-quality mills may quote a \"one-size fits all \" price, but is that the kind of roughshod and cookie-cutter approach you want for your very important legal matter? My Situation is Simple Plus, there is no such thing as a \"simple \" bankruptcy. Your work life, cash flow, spending patterns, and financial history have unique factors that only a skilled lawyer can pick up on which may affect how your case should be handled to maximize the powerful bankruptcy discharge. Be proud that you \'re not a simple person with a simple life. Given all that, it is reasonably safe to say that the attorney fee will range somewhere between $1300 and $1900 for a Chapter 7 bankruptcy. Only after discusing in detail at a helpful consultation will the exact amount of work be known. Then the attorney will give you a flat fee that will cover all the everything in your typical BK case. What documents does the bankruptcy attorney need? Please prepare to let us review the following: latest credit card statements (one from each account) or credit report pay stub for you and your spouse (if applicable) last year \'s tax return six months of bank statements download and complete the Bankruptcy Questionnaire ( optional , but it helps save time) fee payment if you choose to have us help you get a fresh start right away New - Save big bucks off our retainer! If you wish to complete an online debt questionnaire , this will help tremendously in assessing your case. Save $250 if you take the time to complete this and hire us to solve your debt problems. Get started on the online questionnaire! We are honored to have the opportunity to help you. A bankruptcy attorney will call you shortly. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Success! Email sent - A Lawyer will call SOON!","Success! Email sent - A Lawyer will call SOON!","");arrFiles[63]=new Array("lawyers.htm","Let a skilled Los Angeles professional be your bankruptcy lawyers","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Lawyers Home > BK Info > Lawyers Contact bankruptcy lawyers for help today Why Los Angeles lawyers to handle your Los Angeles bankruptcy ? You really want to trust someone who is an expert to help you with something that will shape your financial life for years to come. Why open up my wallet and spend more for a lawyer? It \'s the age-old dilemma: \"If I had enough money for a lawyer, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having Los Angeles bankruptcy lawyers help you. A skilled bankrupcy attorney can save you much more money than you \'ll spend. Let \'s say your lawyers fees are between $1300 and $1900 for a chapter 7 bankruptcy . A skilled professional will assist you in finding exemptions for your property and house, often up to many thousands of dollars. Our lawyers will appear with you in court if your creditors fight you on an issue or want you to give something back, or say that some major thing is non-dischargable. You don \'t want to be on your own, at that point. Lawyers can work out a bankruptcy Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only lawyers can give you legal advice about your situation; no one else can, not even those paralegal services. What about cut-rate paralegals and document preparation services? They, the people who are non-lawyer paralegals who do bankruptcy and 59 form transactions, will not be allowed by state bar ethics rules to give you legal advice. No lawyer will review the paperwork they give to you, and you go to court on your own. We, the people who specialize in bankruptcy and actually are attorneys, give you the full service, courtesy and respect you deserve. We are the people who are with you every step of the way: meeting with you, advising you, appearing in court with you, and on your side. You are our client, and we do not take that privilege lightly. Do I need to pay the fees all at once? Not at all. We \'ll work with you. Flexible payment plans are available, and we \'ll work with you so that you can get this done as quickly as possible. For a big deal like a bankruptcy, have Los Angeles lawyers help. There are no contracts to sign, or fee arrangements to be locked into. You are in control when you pay in full. We serve the Los Angeles, San Fernando Valley , Orange County , Ventura County , Antelope Valley (Lancaster and Palmdale) and Santa Clarita areas. Contact a bankruptcy attorney for help today San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Let a skilled Los Angeles professional be your bankruptcy lawyer","Let a skilled Los Angeles professional be your bankruptcy lawyers","");arrFiles[64]=new Array("article-chapter-13-debt-consolidation.htm","Chapter 13 Debt Consolidation","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Paying back Your Debts on Your Own Schedule Home > Articles > Debt Consolidation by Hale Andrew Antico, Esq. Occasionally, I meet people who canmake a payment to some of their credit cards, but not to all of them. Or maybe you can (barely) afford your minimum payments now, but one of them raises the interest rate and you can no longer make the payments. How do you choose which credit card or cards to pay, and which to ignore? Is there an easier way than to only give some payments and ignore others? The answer is, \"yes. \" == We \'ve all heard of debt consolidation companies, usually advertising on the radio. These outfits, some of them not fly-by-nights,promise to accept one payment each month and give it to your credit card companies. However, how do they determine what that payment amount is? Assuming you can afford the payment, exactly how long will it take you to pay them all off? What percentage of people who start these plans finish them? And most importantly, are you protected from a lawsuit if and when one of these companies gets impatient and decides to sue you? In many cases, a Chapter 13 bankruptcy might be the answer. It \'s like a debt consolidation plan, except it \'s run by the federal government, not a here-today-gone-tomorrow place. The payment amount is decided by what you can afford, not based on what they demand. In a Chapter 13 bankruptcy, the number of payments you make is set; you make them and you \'re out of debt, even if all the debt didn \'t get paid. And yes, you get all the powerful protections of a bankruptcy, including stopping lawsuits, garnishments, and collection calls. == So, what does this look like? Let \'s use a hypothetical example (your mileage may vary). You are earning, say, $2500 a month after taxes. Your rent, utilities, gas, food, etc. each month comes to about $2000. That would leave you $500 a month for your 4 credit cards and debts each month. If they each want $100 minimum, you can afford that... but you are not getting out of debt... you \'re just treading water. On the other hand, if each of the four credit card accepts no less than $200 each, your $500 won \'t be enough to make them all happy and off your back. If you file Chapter 13, they would need to accept your $500 each month for 36 months. And you \'re out of debt. Even if all those payments weren \'t enough to pay all of your debt in full. == Do you want to freeze interest rates, penalties, late charges and just make a set number of payments and be out of debt, once and for all? Do you wantthe peace of mind that comes fromknowing you won \'t be sued for your debt, and that the people you \'re paying -- the US Government -- are here to stay? If so,filing Chapter 13 just might be the answer. CONTACT AN EXPERT IN THIS FIELD NOW San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Chapter 13 Debt Consolidation","Chapter 13 Debt Consolidation","");arrFiles[65]=new Array("credit-after-bankruptcy.htm","Credit After Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Credit after Bankruptcy Home > Articles > Re-establishing Credit by Hale Andrew Antico, Esq. One of the common questions debtors ask is, \"Will I be able to establish credit after my bankruptcy? \" The short answer is, \"Yes! \" It is largely a myth that a scarlet \"B \" on your credit report will follow you everywhere, preventing you from ever getting credit again. This myth is largely perpetuated by credit card companies. Yes, the same companies that helped lure you into credit card debt by constantly drumming into your head that it was good to spend money and buy things; extend to you a higher credit limit; tell you that you are \"pre-approved \"; give you checks for thousands of dollars to turn into cash immediately; and that you can transfer balances to them with a low introductory interest rate. The lie is that bankruptcy means that you won \'t get credit again. The truth is just the opposite. We live in a capitalist society. There are too many companies in business to make a profit. And yes, you can help them make that profit. This win-win situation is how you re-establish credit after bankruptcy. First, realize that you can help them make a profit. With a bankruptcy on your credit report -- even a new one -- one thing happens immediately that makes you more attractive to a prospective lender: you suddenly have no debt. With no debt, you are all of a sudden in a position to repay the next debt you get. The same cannot be said if you have a mountain of debt before bankruptcy. Second, after a bankruptcy, you are a lower risk, since you cannot file bankruptcy immediately again. The lenders know this, and know that if they lend to you after a bankruptcy, that you will be around for at least five or six years. This is time that they will make their profit. And again, this is what they are in business to do. How, though? How do you help them make a profit? It \'s all in the mix, part of the process of your re-establishing credit with your new fresh start. For starters, acknowledge that you will be paying extra money to get a new start with your credit. This is ok, though. Remember, they are taking a risk on you. All they know about you is that you just wiped away a bunch of debt from companies just like them. They \'re a little skittish, so for comfort, you will pay for the privilege of starting over. This will show up in the form of: monthly charges, application fees, and, of course, higher interest rates. Next, accept some offers. Not too many. Just a few. Yes, there will indeed be offers. You \'ll be surprised to find that you will get offered credit cards not long after your bankruptcy discharge. Higher interest rates and maybe even a security (ie: your own cash which you \'ll be charging against) may be part of the bargain, but this is how the process starts. You \'re a blank slate on paper. All they know about you is that you just wiped the slate clean. Let them have their reassurances (but reasonably, of course). (Surprisingly, it will be easier to buy a car within the first year after you file BK, and you can qualify for a mortgage after bankruptcy one year after the discharge -- two years after, you will be eligible for a mortgage at the lowest and best interest rates. If you doubt this, call a few mortgage brokers and ask them.) After that, use these credit cards, but in moderation. Use them not because you have to, but because they are credit-rebuilding tools. Just a few purchases a month, and certainly not anywhere near your new (lower) credit limit. Finally, make your monthly payments. Here is the kicker, though: don \'t pay them off each month. Normally, sound financial advice would tell you to do just the opposite, and that is true for managing your finances and keeping spending under control. You \'re not doing that. You are rebuilding your credit. Remember, these companies are gambling on you because they get to charge you more interest rates. So, give them their interest rates. Give them their profit. How? By going in a spend-and-pay cycle. Pay your credit cards off in full every two months. One month of interest charges to carry over, and the next month back down to a zero balance. This is the dirty secret of how you rebuild credit. Paying it off in full every month doesn \'t help Providian or whoever took a chance on you. Give them their reward, and you \'ll see your credit limit start increasing. And naturally, you will keep your spending in control. Use your new credit card not because you have to, but because you want to. It \'s merely a credit-rebuilding tool, nothing more. You \'ve seen how companies are in the business of making money, and you can help them make money and benefit personally at the same time. You can establish and rebuild your credit after your bankruptcy discharge. There is a way to spend and pay with the new credit card that helps them and helps you. Most importantly, it should be obvious by now that there is credit after bankruptcy. While bankruptcy is not for everyone, it may give you the fresh start you need. Fear of not having credit in the years ahead should not be a reason that stops you from doing what will help you and your family get the peace of mind you deserve. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Credit After Bankruptcy","Credit After Bankruptcy","");arrFiles[66]=new Array("lawsuits.htm","Lawsuits & Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Lawsuits & Bankruptcy Home > Types of debt > Lawsuits and Judgments Lawsuits Being sued with a lawsuit is one reason many people contemplate filing bankruptcy . It \'s a factor, but only one, that should be considered. Generally If there is a lawsuit or lawsuits against you, it may be a wise course to file bankruptcy. This would cease all attempts to collect on the future judgment they may get, even from a personal injury attorney . Do I Answer the Summons? If you don \'t answer it, you have no defense if it goes to trial. Doing nothing could result in a judgment against you. Contact us for more info and strategy. Judgments Judgment then bankruptcy, or bankruptcy first? I \'d suggest avoid having judgments against you, if you have the option. Sure, the bankruptcy will avoid and remove judgments, but given a choice, it \'s probably preferable to file the bankruptcy before you get a judgment against you. Catch-all? This is not a magic pill that fits all situations. You will want to contact an attorney in your area who can assess your overall circumstance. If you are in the Los Angeles, Ventura or Orange County areas, just ask for help here . San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Lawsuits & Bankruptcy","Lawsuits & Bankruptcy","");arrFiles[67]=new Array("credit-card-debt.htm","Credit Card Debt","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Credit Card Debt Home > Types of Debt > Credit Card Debt The most common type of debt people like you have is credit card debt. Why? Because the big credit card companies and banks have been seducing you with offers of new credit cards, lower interest rates, courtesy checks and cash advances for years. Article: Is there credit after bankruptcy ? Credit Card Bankruptcy Credit card debt, in most cases, is almost always dischargable in bankruptcy (meaning that you can get rid of it). You will likely not have to repay your credit cards in a Chapter 7 bankruptcy. However, you will have to be careful that there are no elements of bankruptcy fraud surrounding your case, or a judge will likely not allow you to discharge your credit card debt in credit card bankrupsy. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Credit Card Debt, credit card bankrupsy","Credit Card Debt","");arrFiles[68]=new Array("creditor-harassment.htm","Creditor Harassment","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Creditor Harassment Home > BK Info > Creditor harassment There is nothing that can disrupt your life like annoying calls from creditors trying to collect. How to stop the harassing phone calls Creditor harassment is usually one of the biggest factors that push someone to finally file bankruptcy. After months, maybe years, of thinking about it and thinking about it, all the calls and threatening letters finally usually push most people to get these people off their backs. Take action and stop the call One option you have is writing a cease desist letter to creditors . This could result in them stop contacting you. The one secret weapon consumers have against creditors and their harrassing phone calls is the \"automatic stay. \" The automatic stay is something that happens automatically the moment after filing bankruptcy . When you file, creditor harassment must stop immediately . It may be worth using the professional services of a Los Angeles bankruptcy lawyer to help you. Contact us now San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Creditor Harassment","Creditor Harassment","");arrFiles[69]=new Array("creditor-harrassment.htm","Creditor Harrassment","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Creditor Harrassment Home > BK Info > Creditor harassment 2 Creditor harrassment is usually one of the biggest factors that push someone to finally file bankruptcy. After months, maybe years, of thinking about it and thinking about it, all the calls and threatening letters finally usually push most people to get these people off their backs. The one secret weapon consumers have against harrassing creditors and their harrassing phone calls is the \"automatic stay. \" The automatic stay is something that happens automatically the moment after filing bankruptcy . When you file, creditor harassment must stop immediately . San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Creditor Harrassment","Creditor Harrassment","");arrFiles[70]=new Array("creditor_harassment.htm","Creditor Harassment","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Creditor Harassment Home > Types of debt > Creditor Harassment How to stop the harassing phone calls Creditor harassment is usually one of the biggest factors that push someone to finally file bankruptcy. After months, maybe years, of thinking about it and thinking about it, all the calls and threatening letters finally usually push most people to get these people off their backs. Take action and stop the call One option you have is writing a cease desist letter to creditors . This could result in them stop contacting you. The one secret weapon consumers have against creditors and their harrassing phone calls is the \"automatic stay. \" The automatic stay is something that happens automatically the moment after filing bankruptcy . When you file, creditor harassment must stop immediately . It may be worth using the professional services of a Los Angeles bankruptcy lawyer to help you. We \'ll stop the calls when you hire us, and are making payments to us on our flexible payment plan, before we even file the bankruptcy. CONTACT US NOW San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Creditor Harassment","Creditor Harassment","");arrFiles[71]=new Array("creditor_harrassment.htm","Creditor Harrassment","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Creditor Harrassment Home > BK Info > Creditor harrassment 3 Creditor harrassment is usually one of the biggest factors that push someone to finally file bankruptcy. After months, maybe years, of thinking about it and thinking about it, all the calls and threatening letters finally usually push most people to get these people off their backs. The one secret weapon consumers have against harrassing creditors and their harrassing phone calls is the \"automatic stay. \" The automatic stay is something that happens automatically the moment after filing bankruptcy . When you file, creditor harassment must stop immediately . CONTACT US NOW AND WHEN YOU RETAIN US, WE \'LL STOP THE CREDITOR HARRASSMENT San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Creditor Harrassment","Creditor Harrassment","");arrFiles[72]=new Array("debt-consolidation.htm","Debt Consolidation and Consumer Credit Counseling","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Debt Consolidation Home > BK Info > Debt Consolidation Debt Consolidation: What is it? Debt consolidation with debt councilors is where you take the debts that you owe for credit card debt and other liabilities and let one company distribute your one payment to all of your creditors. The debt reduction process with an outfit like Consumer Credit Counseling Services (CCC / CCCS), Ameridebt or others takes years to complete. Note, however, that you will only get closure on debt consolidation if you make all of your payments, and if the company really does give the money to your creditors. Does It Bring Certain Closure? Can you repair debts this way? Just because you sign a contractual commitment for debt consolidation does not mean that your money troubles are behind you. In fact, we hear client after client tell us that they tried credit counselling or debt consolidation, but got so frustrated they had to stop it. So, if you start a debt consolidation plan hoping to finally end the frustrating chapter of your life, chances are you will only drag it on for months and years. If you are really wanting certain closure, consider a Chapter 13 bankruptcy . Dangers and Frustrations of Credit Counseling Well, then. What can be so aggravating about debt counseling? For starters, these companies are not on your side. They are in business to make a profit, which is all fine and good. However, unlike an attorney , there is no duty to advise you to do what is in your best interests. A bankruptcy lawyer must represent you, the client, and your interests. No such duty exists for a paralegal or credit counselor. Besides, do not let the perception that a debt counseling company is a \"non-profit organization \" fool you. There is recent news about these people in trouble because the IRS and Federal Trade Commission (FTC) are investigating and have recently cracked down on these companies who are accused of lying about their true profit structure just to get tax breaks and your trust. The reality is that many debt consolidation companies are funded directly by the credit card companies that you want to get rid of. What kind of advice do you suppose you \'ll get from them? Also, we hear of our frustrated clients coming to us because they paid lots of money into these schemes and never saw their balances go down . After giving them thousands of dollars for months and years, people finally come to us, realizing that the most effective way to wipe the slate clean, getting a fresh start, is using the services of a skilled bankruptcy attorney. Requirements of Debt Counseling Even if you wanted to knock your debt down using these companies, you will need to have a regular flow of income that far exceeds the money you spend each month on your bills. It does you no good to give them only $45/month to share with all your creditors. There is an income requirement which many people don \'t meet. An employee may talk you into signing an agreement even if it eats into your rent money, not because they care about your best interests, but because they may be getting a commission for each dollar they take in. Again, only an attorney has a duty to give you straight advice about what is in your best interests, not their own. CONTACT AN ATTORNEY NOW TO FIND OUT WHAT \'S BEST FOR YOU San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","debt consolidation, consumer credit counseling, credit counseling, debt reduction","Debt consolidation and Consumer Credit Counseling","");arrFiles[73]=new Array("debt_relief_help_los_angeles.htm","Debt Relief Help Los Angeles","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Debt Relief Help - Los Angeles Home > BK Info > Debt Relief If you are looking for debt relief and help in the Los Angeles area, you have come to the right place. At Los Angeles Bankruptcy, we help you with your credit problems and do all we can to give you the best, most impartial, fair legal advice we can. We are Los Angeles attorneys : lawyers sworn to protect your interests and fight for you and against the credit card companies who are harassing you... or worse. We all get in situations that we did not plan on. Life happens. You are not a bad person. The question is this: now that you are here, what will you do about it? How will you get out of it? Can you get a fresh start on your way to being debt free in Los Angeles? The way we look at it, you can do a couple of things... do nothing and let them possibly sue you and get a wage garnishment; negotiate and settle your debts; try debt consolidation or credit counseling in Los Angeles; or a bankruptcy. And if you are concerned that you will never get credit again, that is just false. There are many bad credit credit cards that target people who just came from a BK. Bottom line: let us talk to you about ways you can get debt help and relief in Los Angeles. If you want a debt solution and want to be debt free in Los Angeles or the surrounding areas, we can help. Contact us now! San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Debt Relief Help Los Angeles","Debt Relief Help Los Angeles","");arrFiles[74]=new Array("divorce-bankruptcy.htm","Los Angeles Bankruptcy Lawyer Attorney in Southern California","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Divorce & Bankruptcy Home > BK Info > Divorce / Legal Separation There are many issues involving community property -- and community debt -- where there \'s a marriage, divorce or legal separation. Divorce and BK issues Because people who marry buy lots of things together, it makes sense that they also would ring up debts together, also. So how does a marriage affect a bankruptcy? The answer can be two-fold: during the marriage, and during the divorce. Bankruptcy During the Marriage Do Both Spouses have to File Bankruptcy? No, not both spouses must file. Of course, just because it \'s an option, does not mean that one is better than the other. Only a qualified bankruptcy attorney can advise you of the benefits and drawbacks of filing jointly or separately. There are cases where a bankruptcy involves an overlap with divorce law. In fact, there are lots of times where a bankruptcy is filed at the same time as a divorce to wrap up all monetary, financial issues along with property settlement. CONTACT A LAWYER NOW San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","null","null","");arrFiles[75]=new Array("la-bankruptcy.htm","LA Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test LA Bankruptcy Home > Geo > Los Angeles > LA Contact a bankruptcy attorney for help today Why a LA attorney to handle your LA bankruptcy ? You really want to trust someone who is an expert to help you with something that will shape your financial life for years to come. It \'s the age-old dilemma: \"If I had enough money for a lawyer, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having LA bankruptcy lawyers help you. A skilled bankrupcy lawyer can save you much more money than you \'ll spend. Let \'s say your attorney fees are between $1300 and $1900 for a chapter 7 bankruptcy. A skilled professional will assist you in finding exemptions for your property and house, often up to many thousands of dollars. An attorney will appear with you in court if your creditors fight you on an issue or want you to give something back, or say that some major thing is non-dischargable. You don \'t want to be on your own, at that point. An attorney can work out a Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only an attorney can give you legal advice about your situation; no one else can, not even those paralegal services. Contact a bankruptcy attorney for help today Payment plans are available! San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","LA Bankruptcy","LA Bankruptcy","");arrFiles[76]=new Array("los_angeles_attorney.htm","Los Angeles Attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Attorney Home > Geo > Los Angeles > attorney Why a Los Angeles attorney to handle your Los Angeles bankruptcy ? You really want to trust someone who is an expert to help you with something that will shape your financial life for years to come. It \'s the age-old dilemma: \"If I had enough money for a lawyer, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having Los Angeles bankruptcy lawyers help you. A skilled bankrupcy attorney can save you much more money than you \'ll spend. Let \'s say your attorney fees are between $1300 and $1900 for a chapter 7 bankruptcy. A skilled professional will assist you in finding California bankruptcy exemptions for your property and house, often up to many thousands of dollars. An attorney will appear with you in court if your creditors fight you on an issue or want you to give something back, or say that some major thing is non-dischargable. You don \'t want to be on your own, at that point. An attorney can work out a Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only an attorney can give you legal advice about your situation; no one else can, not even those paralegal services. Contact a bankruptcy attorney for help today Payment plans are available, and we \'ll work with you so that you can get this done as quickly as possible. For a big deal like a bankruptcy, have a Los Angeles attorney help. We serve the Los Angeles, San Fernando Valley, Orange County, Ventura County, Antelope Valley (Lancaster CA, Acton CA and Palmdale CA) and Santa Clarita (Valencia CA, Newhall CA, Saugus CA, Canyon Country CA) areas. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Los Angeles Attorney","Los Angeles Attorney","");arrFiles[77]=new Array("stop-foreclosure.htm","Stop Foreclosure","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Stop Foreclosure Home > Types of Debt > Stop Foreclosure 2 If you fall behind on mortgage payments, you will want to stop foreclosure. There are few things that cause as much anxiety as the prospect of losing your house. The mortgage company will want to take the home away from you. This is truly one of the scariest ordeals a family can go through. One way to save your home is filing a chapter 13 bankruptcy . You will get to continue living in your house while you work out a payment plan to catch up on your arrearages.Let a skilled bankruptcy lawyer help you. If time is tight, don \'t delay, this may be the solution for you to stop foreclosure. Article: saving your Los Angeles home in foreclosure Even more about stopping foreclosure Walk away? Or catch up in arrearages payments? Whatever your goal is, we can help you start over. Contact us now! San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Stop Foreclosure","Stop Foreclosure","");arrFiles[78]=new Array("fair-debt-practices-act.htm","Fair Debt Practices Act","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Fair Debt Practices Act Home > BK Info > Creditor harassment > FDCPA The Fair Debt Practices Act, or more fully, the \"Fair Debt Collection Practices Act, \" is the federal law passed by Congress that dictates what creditors and bill collectors can and cannot do. Some of the things it prevents are: phone calls at unusual hours : they can only call between 8am and 9pm §805(a)(1) (15 USC 1692a) calling you at your job: if the harassing creditor knows that your employer prevents you from receiving these calls §805(a)(3) bugging you if you tell them to stop: a cease-desist letter mailed to the creditor often does the trick §805(c) creditor harassment: creditor harrassment includes things like using obscene or vulgar language, threats, repeated ringing of phone with intent to annoy §806 Also, a creditor cannot make false or misleading representations, including implying that the consumer has committed some crime, or that the debt is in the legal process when it is not. §807 Penalties and Fines According to Section 813 [15 USC 1692 i], any debt collector who doesn \'t abide by these rules will owe up to $1000 plus attorney fees . 813(a)(2)-(3). Congress last amended this in 1996. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Fair Debt Practices Act","Fair Debt Practices Act","");arrFiles[79]=new Array("filing-bankruptcy.htm","Filing Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Filing Bankruptcy Home > BK Info > Filing bankruptcy 2 When filing bankruptcy, you \'re going to need to complete this thing called a Voluntary Petition. It \'s as easy as that, and as complicated as that. These forms are \"only \" two pages long. However, they require the addition and inclusion of between 10-20 schedules and forms to go along with them. Which schedules do you need? You \'ll usually need one that lists all of your personal property. Cars, boats, TV sets, clothes, everything. You \'ll also need to list all of your debts, each credit card, every mortgage, every medical bill that you thought you forgot about. List all of your assets, your income, and your monthly expenses. Doing all of this can -- and will -- take hours. Just pulling together all of the information scattered about will take you a while. And if you have a business, you can probably double the time invested. You \'ll need business bank statements, and income and expense statements for the past 6 or 12 months. Having a credit report probably wouldn \'t hurt. After you fill those out, you \'re going to need to find out all the forms that are used by your local bankruptcy court . These vary from jurisdiction to jurisdiction. Forms included with software packages you pick up at the local computer store are not complete or up-to-date, as these local forms change regularly for all the various jurisdictions across the country. Once all forms are complete, and you feel good that you \'ve done everything correctly, you are now ready for your one chance to discharge all debt. Go to the local bankruptcy courthouse and file your paperwork. The fees can be around $274-$299 just to file. Your creditors will be notified, and then you wait for your Meeting of Creditors (341a). If they object to some of the statements you put in your petition, you may have a separate hearing on those issues. The trustee will closely scrutnize your papers, and you will be put under oath. It really is in your best interests to not navigate this path on your own. Have a helpful and knowledgable guide lead the way. Go with a Los Angeles attorney who only does this type of law for a living, and is full of the helpful bankruptcy information you need, to make filing bankruptcy easy. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Filing Bankruptcy","Filing Bankruptcy","");arrFiles[80]=new Array("filing_bankruptcy.htm","Filing Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Filing Bankruptcy Home > BK Info > Filing bankruptcy When filing bankruptcy, you \'re going to need to complete this thing called a Voluntary Petition. It \'s as easy as that, and as complicated as that. These forms are \"only \" two pages long. However, they require the addition and inclusion of between 10-20 schedules and forms to go along with them. Which schedules do you need? You \'ll usually need one that lists all of your personal property. Cars, boats, TV sets, clothes, everything. You \'ll also need to list all of your debts, each credit card, every mortgage, every medical bill that you thought you forgot about. List all of your assets, your income, and your monthly expenses. Doing all of this can -- and will -- take hours. Just pulling together all of the information scattered about will take you a while. And if you have a business, you can probably double the time invested. You \'ll need business bank statements, and income and expense statements for the past 6 or 12 months. Having a credit report probably wouldn \'t hurt. There are many judgment calls to make when completing the bankruptcy petition. Make the wrong call and your case will be discharged or worse! You can lose your car or other valuable possession to pay the creditors you wanted to get away from. The knowledgable experience of a bankruptcy attorney is really valuable. After you fill those out, you \'re going to need to find out all the forms that are used by your local bankruptcy court . These local forms vary from jurisdiction to jurisdiction. Forms included with software packages you pick up at the local computer store are not complete or up-to-date, as these local forms change regularly for all the various jurisdictions across the country. Once all forms are complete, and you feel good that you \'ve done everything correctly, you are now ready for your one chance to discharge all debt. Go to the local bankruptcy courthouse and file your paperwork. The fees can be around $274-$299 just to file. Your creditors will be notified, and then you wait for your Meeting of Creditors (341a). If they object to some of the statements you put in your petition, you may have a separate hearing on those issues. The trustee will closely scrutnize your papers, and you will be put under oath. It really is in your best interests to not navigate this path on your own. Have a helpful and knowledgable guide lead the way. Go with a Los Angeles attorney who only does this type of law for a living, and is full of the helpful bankruptcy information you need, to make filing bankruptcy easy. Contact a Los Angeles bankruptcy lawyer now! San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Filing Bankruptcy","Filing Bankruptcy","");arrFiles[81]=new Array("free-bankruptcy-consultation.htm","Initial Bankruptcy Consultation","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bankruptcy Consultation Home > BK Info > consultation When you contact us using this Quick Contact Form , a Bankruptcy Lawyer will either email you or telephone you in the next 24 hours. If you \'re in the Southern California area, the bankruptcy attorney will ask you some preliminary questions to try to understand your situation briefly. Armed with that information, the next step is to arrange a consultation. Where - The Consultation Location Where will this consultation occur? The Los Angeles Bankruptcy Attorneys have an office in northern Los Angeles County. As an option, we will come to where you are for a nominal fee. This can either be your home, or at a place that serves a cup of coffee nearby. The key thing is that we want to make this as convenient for you as possible. When - The Hours We Do It What Hours Do You Work? The Bankruptcy Lawyers will cheerfully meet with you when you have time. If you \'re working, we \'ll try to accommodate your busy schedule after work at nights or even on the weekends. Of course, day time is also an option, if you \'d like to get this accomplished during your lunch break. How soon When Should this Happen? Depending on your situation, delay can be very costly. You probably will want to contact us to make an appointment as soon as possible, just in case. The delay could cost you hundreds or thousands of dollars. How much - the Cost What \'s this going to cost me? There is no standard fee. You need a bankruptcy expert to analyze your case, spot any red-flags or possible issues that need to be avoided. It is impossible to assess how much work or effort is involved in a particular case just from a phone call. There is no such thing as a \"simple straight Chapter 7, \" as each of our lives have unique factors involved. The costs usually range anywhere from $900 to $1995 for a Chapter 7, and yes, we offer a great no-pressure payment plan . The best way to find out the cost is to contact the bankruptcy attorneys and invest the half-hour or so to get some expert advice. Documents - Stuff We Need What Do I Bring? It will be helpful if you bring a copy of your Social Security Card for verification purposes. Also, a list of your creditors, including addresses, account numbers, and dollar amounts owed. Finally, it would be helpful if you have a copy of your last two years \' tax returns. And, if you like, $40 for an optional credit report to help find all your creditors in Money Order, Cash or Cashier \'s Check (silly, but we don \'t take personal checks or, um, credit cards).. If you want to hire us, we \'ll start working for you right away when you have the first payment of your payment plan . Contact us now to make your free appointment with a bankruptcy attorney near you San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Free Bankruptcy Consultation","Free Bankruptcy Consultation","");arrFiles[82]=new Array("garnishing-my-wages.htm","They \'re Garnishing my Wages! Primer or wage garnishment","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test They \'re Garnishing my Wages! Home > Articles > Wage garnishment Few things are as disturbing and upsetting as finding out that your wages are being garnished. What to Expect from a Wage Garnishment & How to Stop It One of the more common ways people come to us at Los-Angeles-Bankruptcy net is when they realize that their wages are being garnished. That startling usually is just the kick-in-the-pants of motivation that is needed to take care of something that has been put off for far too long. How the Debt Got to a Garnishment People think that only taxes can turn into a wage garnishing situation. That \'s not true. Any judgment holder -- someone that has sued you for something and won -- can garnish your wages if they choose to. This means that any credit card debt , any tax debt, an old landlord that didn \'t get paid, a small claims court matter that you lost as judgment, or even a major lawsuit about a car accident or something else. People are often surprised that a credit card debt can turn into a wage garnishment. It \'s true. All that has to happen is that the credit card company needs to decide to sue you, which they \'ll easily win (you promised to pay and then you didn \'t pay). They take that judgement to the Sheriff and ask them to take money from your paycheck. It \'s a done deal. The Emotions Over Debt Are No Longer a Barrier Certainly, it is understandable to put off confronting something as murky as a debt problem. There are many emotions swirling around the entire topic. These range from feelings of guilt regarding the over-spending to inadequacy about one \'s talents as a money manager or income earner. Of course, it \'s usually topped off by the frustration and anxiety brought on by telemarketers and the ultimate: helplessness over a situation that is regarded as having no perfect solution. As a result, most people do what many of us do when an unpleasant and emotion-filled situation is calling out for our attention: we put it off for another day and move on to something that is less trying. Only when circumstances come to a head do they demand an immediate response. A wage garnishment is something that takes credit card debt or a judgment not just out of the deep freeze, but throws it on the front burner. Not many people can survive on 25% removed from their take-home pay. What to Expect With a When they Garnish your Wages So, what happens once some creditor or collection agency has decided they want to collect from you? Well, first, they have to sue you in a lawsuit. You may or may not know about this going on, depending on how much you \'ve moved around, or how low of a profile you \'ve kept. They win the lawsuit, since you promised to pay, and you haven \'t paid the creditor yet. With this new victory -- a judgment -- they can now get your money. This can include but is not limited to seizing your bank accounts, intercepting your tax refund, and of course, cutting into your paycheck . . . the garnishment of your wages. Once they \'ve found out where you work and decided to garnish you, they have to take their judgment against you to the local police department or sheriff. This unit then contacts your employer and tells them that they must deduct one-fourth of your pay income (up to half if the debt is over a support issue) and hand it over. This will continue until the judgment is paid in full or you break the process which is now in motion. Stopping the Wage Garnishment: Options There are a number of ways to stop the garnishing of your wages. First, you can quit your job. This is very effective for the short-term, but doesn \'t really solve the problem. Of course, you are no longer giving them one-quarter of your pay check, but on the other hand, you are now missing the other 75% of it. Even if you quickly get another job, it \'s just a matter of time until the collecting creditor finds you and the garnish process starts all over again. Another possible solution is to pay the judgment. This takes a phone call to the creditor and offer to give them the money they want. You can maybe negotiate, but this entire approach is complicated by two major factors: 1) emotions are very high when you call the people who \'ve been haunting you, often attorneys; and 2) they want a huge lump sum payment, usually more than you \'ll have available. You can hire an attorney to negotiate the debt, but again, this is helpful only if you have the funds to really settle the matter once and for all. Finally, a bankruptcy will stop their taking of your pay checks. This may be helpful if you have other debts that may try the same route, or your credit is not otherwise pristine and perfect. If your credit is already shot, filing bankruptcy is a quick, powerful solution that is cheaper than trying to settle the judgment for the lump sum they \'ll demand, saving you thousands of dollars. What to Expect: Bankruptcy to Stop the Wage Garnishing The first thing to understand is the concept of the \"automatic stay \" in US Bankruptcy law. It is the legal mechanism that kicks in the moment your bankruptcy petition and paperwork is filed with the bankruptcy court. As of that moment, no creditor to whom you owe money can contact you Also at that moment, no one can collect. They cannot garnish your checks and take your money. But, how will they know what you \'ve done? The people who are garnishing will need to find out about your filing bankruptcy. Normally, this would take over a week. You will need to let your Human Resources or Payroll Department know about your bankruptcy filing. You can mail or fax a copy of page one of the voluntary petition. This will include the filing stamp is on the page as proof of its filing. While you \'re at it, let the creditor \'s attorney know (he or she will be on the Earnings Withholding Order paperwork that started the garnishment). Finally, it would be wise to provide a copy of your petition as proof of filing to the local law enforcement who also will be on the EWO. What Happens Next? Once you have let HR and the others (above) know, you will go back to getting your full pay check. The case then proceeds as a usual Chapter 7 or Chapter 13 would. There is even a possibility that you can recover the funds that were garnished. CONTACT AN ATTORNEY TO HELP STOP GARNISHING OF YOUR PAYCHECK San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","garnishing wages, wage garnishment, wage garnishing","They re Garnishing my Wages! A primer on wage garnishment and what to expect","");arrFiles[83]=new Array("harrassing-creditors.htm","Harrassing Creditors","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Harrassing Creditors Home > BK Info > Harrassing creditors Harrassing creditors are usually a major factor that push people like you to finally file bankruptcy. After months, maybe years, of thinking about it and thinking about it, all the calls and threatening letters finally usually push most people to get these people off their backs. Of course, one thing you can do is write a cease desist letter to your creditors. The Fair Debt Collection Practices Act gives you certain rights. There are sample letters to creditors you may find helpful. The one secret weapon consumers have harrassing creditors and their phone calls is the \"automatic stay. \" The automatic stay is something that happens automatically the moment after filing bankruptcy . When you file, harrassing creditors must stop immediately . Contact a Los Angeles bankruptcy attorney to stop the calls! San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Harrassing Creditors","Harrassing Creditors","");arrFiles[84]=new Array("harrassing_creditors.htm","Harrassing Creditors","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Harrassing Creditors Home > BK Info > Harrassing creditors Harrassing creditors are usually a major factor that push people like you to finally file bankruptcy. After months, maybe years, of thinking about it and thinking about it, all the calls and threatening letters finally usually push most people to get these people off their backs. Of course, one thing you can do is write a cease desist letter to your creditors. The Fair Debt Collection Practices Act gives you certain rights. There are sample letters to creditors you may find helpful. The one secret weapon consumers have harrassing creditors and their phone calls is the \"automatic stay. \" The automatic stay is something that happens automatically the moment after filing bankruptcy . When you file, harrassing creditors must stop immediately . Contact a Los Angeles bankruptcy attorney to stop the calls! IF THIS PAGE WAS MISSING INFO YOU WERE SEEKING, PLEASE SEND US EMAIL (what were you hoping to find?) San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Harrassing Creditors","Harrassing Creditors","");arrFiles[85]=new Array("htaccess.txt","htaccess.txt","RewriteCond %{HTTP_HOST} !^los-angeles-bankruptcy.net RewriteRule (.*) http://los-angeles-bankruptcy.net/$1 [R=301,QSA,L] ","null","null","");arrFiles[86]=new Array("index.htm"," Los Angeles Bankruptcy Attorneys","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankruptcy Attorneys Home 2 Providing bankruptcy lawyers and services to Los Angeles County, Orange County and Ventura County Si habla Español y quiere comunicar con Los Angeles California abogados de bancarrota, oprima aqui CONTACT LOS ANGELES BANKRUPTCY LAWYER Ask your bankruptcy / credit card debt question We can help you if you \'re seeking information about a: Los Angeles County Bankruptcy Orange County Bankruptcy San Fernando Valley Bankruptcy San Bernardino Bankruptcy Ventura County Bankruptcy Santa Clarita Valley Bankruptcy Antelope Valley Bankruptcy Riverside County Bankruptcy Get over 25% off our normal fee if you refer to this offer, schedule and pay in January 2007. You must comply with the steps for filing bankruptcy described here for an affordable, cheap bankruptcy . While the name of this web site makes you think of Los Angeles bankruptcy attorneys, our lawyers also can help with OC / Orange County bankruptcy, Ventura County bankruptcy, and Antelope Valley (Palmdale CA and Lancaster CA) bankruptcy. Analize debt : If you are experiencing a wage garnishment , creditor harassment , credit card lawsuit , or just the harassing calls ... Have an attorney come to you and make getting debt relief and help as convenient and easy as possible. Make your phone your friend again. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Los Angeles Bankruptcy Attorneys - Use a bankruptcy lawyer Los Angeles County, Orange County, Lancaster CA and Ventura County","Los Angeles Bankruptcy Attorneys - Use a bankruptcy lawyer Los Angeles County, Orange County, Lancaster CA and Ventura County","");arrFiles[87]=new Array("tax-debt.htm","Eliminating Tax Debt","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Eliminating Tax Debt Home > Types of debt > IRS Tax debt Can you File Bankruptcy with the IRS Bankruptcy and Tax Debt, Generally Like most debts, back taxes can turn into major problems. It \'s helpful then to know the rule about taxes and bankrutcy. In general, some tax debt is eliminated in a bankruptcy. Factors to Determine If You can Remove Tax Debt Debts for taxes can be eliminated if: the taxes were first filed more than three years ago a tax return was filed the return was not fraudulent taxes were not assessed in the last 240 days If all these factors are present, your taxes may be able to be discharged in a Chapter 7 bankruptcy . Remove Tax Debt Interest If all of the above factors are not there, yet your taxes and interest are high, you may still be able to pay them without interest in a Chapter 13 bankruptcy . This can result in a savings of thousands of dollars. Offer In Compromise Another solution to IRS problems that a bankruptcy cannot help or is not the best fit for are Offers in Compromise. If the majority of your debt is tax debt and doesn \'t fit the test above, you \'ll want to contact an expert with IRS problems to help in eliminating tax debt. We suggest IRS Solutions , featurning a former IRS collector. Stop Tax Foreclosure If the local county tax assessor gets a lien on your home, it \'s possible to force a foreclosure . A Chapter 13 could stop tax foreclosure filed by the county for back taxes. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Eliminating Tax Debt","Eliminating Tax Debt","");arrFiles[88]=new Array("los-angeles-attorney.htm","Los Angeles Attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Attorney Home > Geo > Los Angeles > attorney 3 Contact a bankruptcy attorney for help today Why a Los Angeles attorney to handle your Los Angeles bankruptcy ? You really want to trust someone who is an expert to help you with something that will shape your financial life for years to come. It \'s the age-old dilemma: \"If I had enough money for a lawyer, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having Los Angeles bankruptcy lawyers help you. A skilled bankrupcy lawyer can save you much more money than you \'ll spend. Let \'s say your LA bankruptcy attorney fees are between $1300 and $1900 for a chapter 7 bankruptcy. A skilled professional will assist you in finding exemptions for your property and house, often up to many thousands of dollars. An attorney will appear with you in court if your creditors fight you on an issue or want you to give something back, or say that some major thing is non-dischargable. You don \'t want to be on your own, at that point. An attorney can work out a Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only an attorney can give you legal advice about your situation; no one else can, not even those paralegal services. Contact a bankruptcy attorney for help today Payment plans are available, and we \'ll work with you so that you can get this done as quickly as possible. For a big deal like a bankruptcy, have a Los Angeles attorney help. We serve the Los Angeles, San Fernando Valley, Orange County, Antelope Valley (Lancaster and Palmdale) and Santa Clarita areas. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Los Angeles Attorney","Los Angeles Attorney","");arrFiles[89]=new Array("personal-bankruptcy.htm","Personal Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Personal Bankruptcy Home > BK Info > Personal bankruptcy 2 Bankruptcy comes in two varieties: personal bankruptcy (sometimes called Consumer Bankruptcy ) and business bankruptcy. A personal bankruptcy -- also called Consumer Bankruptcy -- is the right to discharge a debt by an individual or a married couple. This is usually what people think of when they hear about filing bankruptcy . The business bankruptcy is what a major corporation or business will file when they want to file bankruptcy. This type of filing is usually a Chapter 11 bankruptcy. These are very complex cases, and often to go to a bankruptcy attorney who specializes in this specific subcategory for bankruptcy information . While you could file personal bankruptcy on your own, you really are better of using the services of a bankruptcy attorney . A lawyer who does nothing but California bankruptcy can spot ways to help you save property using California exemptions , and will battle the creditors who fight your attempts to make them go away. Good bankruptcy lawyers can help you save thousands of dollars. We \'re Los Angeles bankruptcy attorneys (serving San Fernando Valley, Santa Clarita and Antelope Valley / Lancaster), and will be more than happy if you chose to contact us. If you \'re an individual and feel that there is no way out of your debt troubles, because you are facing losing your house and want to stop forclosure , wage garnishment or just want to stop the creditor harrassment , you \'ll want to learn more about Chapter 7 bankruptcy or bankruptcy Chapter 13 . San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Personal Bankruptcy","Personal Bankruptcy","");arrFiles[90]=new Array("article-new-bankruptcy-law.htm","New Bankruptcy Law","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test New Bankruptcy Law - Can you still File Bankruptcy? Home > Articles > New Bankruptcy Law by Hale Andrew Antico, Esq. Right about now, you \'re probably getting your credit card bills from your Christmas shopping. Also, you may be shocked to see that your credit card minimum payments have doubled . For months now, I \'ve been writing about how things are going to get much harder for the American consumer now that harsh bankruptcy laws are taking effect. However, just because it \'s harder to get a fresh start does not mean there is no more relief for those who need it most. Bankruptcy is not Dead For those who need it, bankruptcy is still there as a safety net. The logic is this: if you make \"too much \" money, you can afford to pay back some of your debt. But a recent study by a bankruptcy software company showed that over 70% of recent people seeking bankruptcy relief for Chapter 7 would still be able to do it under the new laws. So most people would still be able to file under the new law. More requirements There are additional hurdles to get the bankruptcy relief and debt help that you want and need. Now, there is the requirement that you undergo a credit counseling session that teaches you how to budget your money and beware of the evils of credit and debt. You also need to demonstrate how your case is not a bankruptcy abuse. There are new forms and new headaches for someone navigating the process. Call a Caring Expert Today But the bottom line is that bankruptcy is still there. Call a bankruptcy attorney and let a lawyer who does this for a living help you get through the difficult times. It \'s not just about being good lawyers, but also having good bedside manner and showing customer service where you know we care. Call today for a no-obligation consultation. 661-252-9900 San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","New Bankruptcy Law - Is Bankruptcy Dead?","New Bankruptcy Law - Is Bankruptcy Dead?","");arrFiles[91]=new Array("los-angeles-bankruptcy-attorney.htm","Los Angeles Bankruptcy Attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Attorney Home > Geo > Los Angeles > bankruptcy attorney Why a Los Angeles attorney to handle your Los Angeles bankruptcy ? You really want to trust someone who is an expert to help you with something that will shape your financial life for years to come. It \'s the age-old dilemma: \"If I had enough money for a lawyer, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having Los Angeles bankruptcy lawyers help you. A skilled bankrupcy lawyer can save you much more money than you \'ll spend. Let \'s say your LA bankruptcy attorney fees are between $1000 and $1900 for a chapter 7 bankruptcy. A skilled professional will assist you in finding exemptions for your property and house, often up to many thousands of dollars. An attorney will appear with you in court if your creditors fight you on an issue or want you to give something back, or say that some major thing is non-dischargable. You don \'t want to be on your own, at that point. An attorney can work out a Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only an attorney can give you legal advice about your situation; no one else can, not even those paralegal services. Contact a bankruptcy attorney for help today Payment plans are available, and we \'ll work with you so that you can get this done as quickly as possible. For a big deal like a bankruptcy, have a Los Angeles attorney help. We serve the Los Angeles, San Fernando Valley, Orange County, Antelope Valley (Lancaster and Palmdale) and Santa Clarita areas. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Los Angeles Bankruptcy Attorney","Los Angeles Bankruptcy Attorney","");arrFiles[92]=new Array("los-angeles-bankruptcy-attorneys.htm","Los Angeles Bankruptcy Attorneys - Los Angeles Bankruptcy.net","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankrupcy Attorneys Home > Geo > Los Angeles > bankruptcy attorneys If you live in LA or the surrounding areas, how do you find Los Angeles Attorneys ? It really depends on where you live. We will come to you or a location close and convenient to you, regardless of where you are : Los Angeles Antelope Valley (including Palmdale and Lancaster ) San Fernando Valley bankruptcy , including Pasadena, Glendale, Burbank Orange County & Santa Ana Westwood bankruptcy attorney and lawyers Santa Clarita bankruptcy attorney Affordable? It may sound counter-intuitive, but an attorney can be affordable, particularly if you are considering ditching a lot of debt. Payment plans can be arranged where you are receiving the full benefit of a lawyer to assist you and not cutting corners. Why use Attorneys? While there are those that might consider to file bankruptcy on their own, there are many very good reasons why you should use bankruptcy attorneys. For a complex procedure that will impact your life for years to come, you really don \'t want to skimp on money and cut corners. You wouldn \'t hire a cut-rate paramedic to perform surgery on you, would you? Why would you want a discount paralegal to do something as major as this? A paralegal can \'t even give you legal advice. For legal advice you need attorneys. Anyone who is not a lawyer is practicing law without a license. Is that really what you want? You don \'t want to wait too long. Delay will only lead to more creditor harassment and could lead to wage garnishment and put you in a situation where you \'ll need to stop foreclosure . So, don \'t delay, contact a skilled professional today. Email the attorneys and have them contact you San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","fresh start, clear debt, bankrupcy, bancruptcy, bancrupcy, westwood, san fernando valley, castaic, quartz hill, bankruptcy lawyers, la bankruptcy, Los Angeles Bankruptcy Attorneys, chapter 7 bankruptcy, filing bk, bankrutpcy help, bankrupcy information, palmdale bankruptcy, lancaster ca bankruptcy, antelope valley, fillmore lawyers, palmdale ca, saugus ca, canyon country","Affordable Friendly Bankruptcy Help in Southern California and LA area Attorneys who are experienced in this specialized field of law","");arrFiles[93]=new Array("payment.htm","Los Angeles Bankruptcy Lawyer Attorney in Southern California","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Payments Home > Contact > Payment Preferred: Mail your Money Order or Cashier \'s Check to our office at: Law Offices of Hale A. Antico 27538 Sierra Highway , #100 Santa Clarita, CA 91351 Backup: PayPal: Send your payment by clicking on the big fat obvious graphic below. Note: While PayPal will allow you to use a credit card to pay, you cannot use a credit card that is going to be listed in your petition . And of course, all of the debts of you, the debtor, must be listed in your petition. So, what are your options? PayPal allows you to transfer money from your bank account. This is a safe transaction, and is faster than sending the Money Order or Cashier \'s Check through the US Postal Service. Use a credit card that belongs to a relative or other loved one. The credit card just cannot be yours. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","null","null","");arrFiles[94]=new Array("personal_bankruptcy.htm","Personal Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Personal Bankruptcy Home > BK Info > Personal bankruptcy Bankruptcy comes in two varieties: personal bankruptcy and business bankruptcy. A personal bankruptcy -- also called Consumer Bankruptcy -- is the right to discharge a debt by an individual or a married couple. This is usually what people think of when they hear about filing bankruptcy . The business bankruptcy is what a major corporation or business will file when they want to file bankruptcy. This type of filing is usually a Chapter 11 bankruptcy. These are very complex cases, and often to go to a bankruptcy attorney who specializes in this specific subcategory. While you could file personal bankruptcy on your own, you really are better of using the services of a bankruptcy attorney . A lawyer who does nothing but California bankruptcy can spot ways to help you save property using California bankruptcy exemptions , and will battle the creditors who fight your attempts to make them go away. Good bankruptcy lawyers can help you save thousands of dollars. We \'re Los Angeles bankruptcy attorneys (serving San Fernando Valley, Santa Clarita and Antelope Valley / Lancaster), and will be more than happy if you chose to contact us. If you \'re an individual and feel that there is no way out of your debt troubles, because you are facing losing your house and want to stop forclosure , wage garnishment or just want to stop the creditor harrassment , you \'ll want to learn more about Chapter 7 bankruptcy or bankruptcy Chapter 13 . San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Personal Bankruptcy","Personal Bankruptcy","");arrFiles[95]=new Array("los-angeles-bankruptcy-court.htm","Los Angeles Bankruptcy Court","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankruptcy Court Home > Geo > Los Angeles > Bankruptcy court The Los Angeles Bankruptcy court is really in a couple of different locations. The main courtrooms are at: Los Angeles - Downtown U.S. Bankruptcy Court Edward R. Roybal Federal Building and Courthouse 255 East Temple Street Los Angeles, CA 90012 The phone number is (213) 894-3118, and they \'re open from 9 to 4, M-F. If you have a Chapter 7 meeting with creditors (also called a 341a hearing), you \'re going to need to go to a meeting room at 7th and Figueroa in downtown Los Angeles, in the first floor of the Ernst & Young building. Valley Division For the San Fernando Valley (which also serves Antelope Valley and Santa Clarita), the court is located at 21041 Burbank Boulevard Woodland Hills, CA 91367 ...which is right across from the Kaiser there, just off of De Soto. The phone number is (818) 587-2900. Santa Ana - Orange County Santa Ana and Orange County has their court location at Ronald Reagan Federal Building and United States Courthouse 411 West Fourth Street Santa Ana, CA 92701-4593 (714) 338-5300 Not from Los Angeles? Other district courts and bankruptcy courts If you need help with filing bankruptcy , please contact a Los Angeles bankruptcy attorney . IF THIS PAGE WAS MISSING INFO YOU WERE SEEKING, PLEASE SEND US EMAIL (what were you hoping to find?) There is a Los Angeles Bankruptcy Court convenient to you, based on your zip code . San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Los Angeles Bankruptcy Court","Los Angeles Bankruptcy Court","");arrFiles[96]=new Array("los-angeles-bankruptcy-lawyer.htm","Los Angeles Bankruptcy Lawyer - Los Angeles Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankruptcy Lawyer Home > Geo > Los Angeles > bankruptcy lawyer Why a Los Angeles lawyer to handle your Los Angeles bankruptcy ? You really want someone you can trust who is a trained professional with experience you can count on to help you with something that will shape your financial life for years to come. It \'s a paradox: \"If I had enough money to afford a lawyer, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having Los Angeles bankruptcy lawyers help you. A skilled lawyer can save you much more money than you \'ll spend. Let \'s say your attorney fees are around a grand for a chapter 7 bankruptcy. A skilled professional will assist you in finding exemptions for your property and house, often up to many thousands of dollars. An attorney will appear with you in court if your creditors fight you on an issue or want you to give something back, or say that some major thing is non-dischargable. You don \'t want to be on your own, at that point. A lawyer can work out a Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only an attorney can give you legal advice about your situation; no one else can, not even those paralegal services. If they do, they \'re practicing law without a license... and do you really want someone like that \"helping \" you? Contact a bankruptcy lawyer for help today We can work out a payment plan so that this is an affordable bankruptcy. For a big deal like a bankruptcy, you really want a Los Angeles lawyer to help. In addition to Los Angeles, we \'re also in Southern California : San Fernando Valley, Orange County (Santa Ana), Antelope Valley (Lancaster and Palmdale) and Santa Clarita areas. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Los Angeles Bankruptcy Lawyer","Los Angeles Bankruptcy Lawyer","");arrFiles[97]=new Array("los-angeles-bankruptcy-lawyers.htm","Los Angeles Bankruptcy Lawyers","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankruptcy Lawyers Home > Geo > Los Angeles > bankruptcy lawyers Close to you Where can you find the best bankruptcy lawyers in Los Angeles? Right here. You see, as bankruptcy lawyers, we serve all of Los Angeles, and the rest of Southern California, including San Fernando Valley , Orange County (Santa Ana), Ventura Couny, Antelope Valley (Lancaster and Palmdale ) and Santa Clarita areas. Bankruptcy Lawyers While some people might want to file bankruptcy themselves, there are very good reasons to use bankruptcy lawyers. For a complex procedure that will impact your life for years to come, you don \'t always want to skimp on money and cut corners. You wouldn \'t hire a cut-rate paramedic to perform surgery on you, would you? Why would you want a discount paralegal to do something as major as this? They can \'t even give you legal advice - for that you need lawyers - or else they \'re practicing law without a license. Is that really what you want? Affordable Of course, you don \'t have lots of money on hand to pay for lawyers. If you did, you wouldn \'t be getting ready to file Chapter 7 bankruptcy . But payment plans can be worked out where you can spread out the payment and still get the fresh start you deserve. Drop us a line to find out how our lawyers can help. Call Los Angeles bankruptcy lawyers for help right now! San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Los Angeles Bankruptcy Lawyers","Los Angeles Bankruptcy Lawyers","");arrFiles[98]=new Array("los-angeles-bankruptcy-paralegal.htm","Los Angeles Bankruptcy Paralegal","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankruptcy Paralegal Home > Geo > Los Angeles > bankruptcy paralegal It \'s not just a \"form. \" It really does matter who does your bankruptcy. Chapter 7 or Chapter 13? Liquidation or Reorganization? Which exemption to use? These are things that only an attorney can tell you. There is short-term cost and what you can pay in the long run if you screw this up. Think this through. Why not a \"We the People \" Bankruptcy? Does it make more sense to have a Los Angeles bankruptcy paralegal do your bk? After all, they don \'t charge as much. It \'s a no-brainer to have someone in Los Angeles like We the People legal document services do your California bankruptcy paperwork, right? Give this some serious thought. Paralegals are limited by what they can do. If they do too much for you, they are practicing law and violating California state ethics rules. And what kind of character does that show? Note: technically paralegals cannot represent you directly. Non-attorneys that assist the public are not called paralegals but instead \"Bankruptcy Petition Preparers \" (or BPPs). Just as there are bankruptcy attorneys you should not do business with, there are also unethical bankruptcy preparers who don \'t follow the rules and get punished by bankruptcy judges and the Trustee. What is an example of the practice of law? Merely recommending that you file bankruptcy under Chapter 7 bankruptcy as opposed to Chapter 13 bankruptcy is practicing law. Sure, anyone can tell you general information about bankruptcy. But applying that law to your specific set of facts -- something unique to you and only you -- requires a Los Angeles bankruptcy attorney. And if they \'re not going to guide you and give you legal advice, are you really getting your money \'s worth? Only an attorney can be with you during your Meeting with Creditors at Bankruptcy Court. For that one big day -- hopefully the only time you \'ll be in court this year or this lifetime -- don \'t you want to have an attorney by your side? In short, a legal document service like We the People can do bankruptcy forms and save you money, but you get what you pay for. And in a major process like a once-in-a-lifetime bankruptcy, now is not the time to cut corners with a Los Angeles bankruptcy paralegal. CONTACT A LOS ANGELES BANKRUPTCY ATTORNEY NOW! San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Los Angeles Bankruptcy Paralegal","Los Angeles Bankruptcy Paralegal","");arrFiles[99]=new Array("los_angeles_bankruptcy_attorneys.htm","Debt Help - Southern California Affordable Attorneys and Experienced Lawyers","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankrupcy Attorneys Home > Geo > Los Angeles > bankruptcy attorneys 2 Get a fresh start on your debt problems today If you live in LA or the surrounding areas, how do you find Los Angeles Attorneys ? It really depends on where you live. We will come to you or a location close and convenient to you, regardless of where you are: Los Angeles Antelope Valley (including Palmdale and Lancaster ) San Fernando Valley bankruptcy attorneys Orange County & Santa Ana Westwood bankruptcy attorney and lawyers Santa Clarita Affordable? It may sound counter-intuitive, but an attorney can be affordable, particularly if you are considering ditching a lot of debt. Payment plans can be arranged where you are receiving the full benefit of a lawyer to assist you and not cutting corners. Why use Attorneys? While there are those that might consider to file bankruptcy on their own, there are many very good reasons why you should use bankruptcy attorneys. For a complex procedure that will impact your life for years to come, you really don \'t want to skimp on money and cut corners. You wouldn \'t hire a cut-rate paramedic to perform surgery on you, would you? Why would you want a discount paralegal to do something as major as this? A paralegal can \'t even give you legal advice. For legal advice you need attorneys. Anyone who is not a lawyer is practicing law without a license. Is that really what you want? You don \'t want to wait too long. Delay will only lead to more creditor harassment and could lead to wage garnishment and put you in a situation where you \'ll need to stop foreclosure . So, don \'t delay, contact a skilled professional today. Email the attorneys and have them contact you San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","fresh start, clear debt, bankrupcy, bancruptcy, bancrupcy, westwood, san fernando valley, castaic, quartz hill, bankruptcy lawyers, la bankruptcy, Los Angeles Bankruptcy Attorneys, chapter 7 bankruptcy, filing bk, bankrutpcy help, bankrupcy information, palmdale bankruptcy, lancaster ca bankruptcy, antelope valley, fillmore lawyers, palmdale ca, saugus ca, canyon country","Affordable Friendly Bankruptcy Help in Southern California and LA area Attorneys who are experienced in this specialized field of law","");arrFiles[100]=new Array("los_angeles_bankruptcy_court.htm","Los Angeles Bankruptcy Court","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankruptcy Court Home > BK Info > Los Angeles bankruptcy court The Los Angeles Bankruptcy court is really in a couple of different locations. The main courtrooms are at: U.S. Bankruptcy Court Edward R. Roybal Federal Building and Courthouse 255 East Temple Street Los Angeles, CA 90012 The phone number is (213) 894-3118, and they \'re open from 9 to 4, M-F. If you have a Chapter 7 meeting with creditors (also called a 341a hearing), you \'re going to need to go to a meeting room at 7th and Figueroa in downtown Los Angeles, in the first floor of the Ernst & Young building. For the San Fernando Valley bankruptcy court (which also serves Antelope Valley and Santa Clarita), the court is located at 21041 Burbank Boulevard Woodland Hills, CA 91367 ...which is right across from the Kaiser Permanente there, just off of De Soto. The phone number is (818) 587-2900. Santa Ana and Orange County has their bankruptcy court location at Ronald Reagan Federal Building and United States Courthouse 411 West Fourth Street Santa Ana, CA 92701-4593 (714) 338-5300 Not from Los Angeles? Other district courts and bankruptcy courts If you need help with filing bankruptcy , please contact a Los Angeles bankruptcy attorney . DON \'T TAKE YOUR CHANCES - CONTACT A BANKRUPTCY LAWYER There is a Los Angeles Bankruptcy Court convenient to you. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Los Angeles Bankruptcy Court","Los Angeles Bankruptcy Court","");arrFiles[101]=new Array("los_angeles_bankruptcy_lawyer.htm","Los Angeles Bankruptcy Lawyer","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankruptcy Lawyer Home > Geo > Los Angeles > bankruptcy lawyer 2 Contact a bankruptcy lawyer for help today Why a Los Angeles lawyer to handle your Los Angeles bankruptcy ? You really want someone you can trust who is a trained professional with experience you can count on to help you with something that will shape your financial life for years to come. It \'s a paradox: \"If I had enough money to afford a lawyer, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having Los Angeles bankruptcy lawyers help you. A skilled lawyer can save you much more money than you \'ll spend. Let \'s say your attorney fees are around a grand for a chapter 7 bankruptcy. A skilled professional will assist you in finding exemptions for your property and house, often up to many thousands of dollars. An attorney will appear with you in court if your creditors fight you on an issue or want you to give something back, or say that some major thing is non-dischargable. You don \'t want to be on your own, at that point. A lawyer can work out a Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only an attorney can give you legal advice about your situation; no one else can, not even those paralegal services. If they do, they \'re practicing law without a license... and do you really want someone like that \"helping \" you? Contact a bankruptcy lawyer for help today We can work out a payment plan so that this is an affordable bankruptcy. For a big deal like a bankruptcy, you really want a Los Angeles lawyer to help. In addition to Los Angeles, we \'re also in Southern California : San Fernando Valley, Orange County (Santa Ana), Antelope Valley (Lancaster and Palmdale) and Santa Clarita areas. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Los Angeles Bankruptcy Lawyer","Los Angeles Bankruptcy Lawyer","");arrFiles[102]=new Array("los_angeles_bankruptcy_lawyers.htm","Los Angeles Bankruptcy Lawyers","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankruptcy Lawyers Home > Geo > Los Angeles > bankruptcy lawyers 2 Los Angeles Lawyers close to you Where can you find bankruptcy lawyers in Los Angeles? Right here. You see, as bankruptcy lawyers, we serve all of Los Angeles, and the rest of Southern California, including San Fernando Valley , Orange County (Santa Ana), Antelope Valley (Lancaster and Palmdale ) and Santa Clarita areas. Bankruptcy Lawyers While some people might want to file bankruptcy themselves, there are very good reasons to use bankruptcy lawyers. For a complex procedure that will impact your life for years to come, you don \'t always want to skimp on money and cut corners. You wouldn \'t hire a cut-rate paramedic to perform surgery on you, would you? Why would you want a discount paralegal to do something as major as this? They can \'t even give you legal advice - for that you need lawyers - or else they \'re practicing law without a license. Is that really what you want? Affordable Of course, you don \'t have lots of money on hand to pay for lawyers. If you did, you wouldn \'t be getting ready to file Chapter 7 bankruptcy . But payment plans can be worked out where you can spread out the payment and still get the fresh start you deserve. Drop us a line to find out how our lawyers can help. Call Los Angeles bankruptcy lawyers for help right now! San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Los Angeles Bankruptcy Lawyers","Los Angeles Bankruptcy Lawyers","");arrFiles[103]=new Array("orange-county-bankruptcy-attorney.htm","Orange County Bankruptcy Attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Orange County Bankruptcy Attorney Home > Geo > Orange County > Bankruptcy Attorney Why a Orange County bankruptcy attorney to handle your Orange County bankruptcy ? You really want professionals you can trust who are trained and with experience you can count on to help you with something that will shape your financial life for years to come. It \'s a paradox: \"If I had enough money to afford an attorney, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having Orange County bankruptcy attorneys help you. A skilled attorney can save you much more money than you \'ll spend. Let \'s say your attorney fees are around a grand for a chapter 7 bankruptcy. A skilled professional will assist you in finding California bankruptcy exemptions for your property and house, often up to many thousands of dollars. An attorney will appear with you in court if your creditors fight you on an issue or want you to give something back, or say that some major thing is non-dischargable. You don \'t want to be on your own, at that point. An attorney can work out a Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only an attorney can give you legal advice about your situation; no one else can, not even those paralegal services. If they do, they \'re practicing law without a license... and do you really want someone like that \"helping \" you? Contact a bankruptcy attorney for help today We can work out a payment plan so that this is an affordable bankruptcy. For a big deal like a bankruptcy, you really want a Orange County bankruptcy attorney to help. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Orange County Bankruptcy Attorney","Orange County Bankruptcy Attorney","");arrFiles[104]=new Array("orange-county-bankruptcy-attorneys.htm","Orange County Bankruptcy Attorneys","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Orange County Bankruptcy Attorneys Home > Geo > Orange County > Bankruptcy Attorneys Why Orange County bankruptcy attorneys to handle your Orange County bankruptcy ? You really want someone you can trust who is a trained professional with experience you can count on to help you with something that will shape your financial life for years to come. The Cost Quandary It \'s a paradox: \"If I had enough money to afford attorneys, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there are good justifications for having an Orange County bankruptcy attorney help you. A skilled attorney can save you much more money than you \'ll spend. Affordable? It may sound counter-intuitive, but an attorney can be affordable, particularly if you are considering ditching a lot of debt. Payment plans can be arranged where you are receiving the full benefit of a lawyer to assist you and not cutting corners. Why use Attorneys? While there are those that might consider to file bankruptcy on their own, there are many very good reasons why you should use bankruptcy attorneys. For a complex procedure that will impact your life for years to come, you really don \'t want to skimp on money and cut corners. You wouldn \'t hire a cut-rate paramedic to perform surgery on you, would you? Why would you want a discount paralegal to do something as major as this? A paralegal can \'t even give you legal advice. For legal advice you need attorneys. Anyone who is not a lawyer is practicing law without a license. Is that really what you want? You don \'t want to wait too long. Delay will only lead to more creditor harassment and could lead to wage garnishment and put you in a situation where you \'ll need to stop foreclosure . So, don \'t delay, contact a skilled professional today. Let \'s say your attorneys \' fees are around a grand for a chapter 7 bankruptcy. A skilled professional will assist you in finding California bankruptcy exemptions for your property and house, often up to many thousands of dollars. Our attorneys will appear with you in court if your creditors fight you on an issue or want you to give something back, or say that some major thing is non-dischargable. You don \'t want to be on your own, at that point. A lawyer can work out a Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only attorneys can give you legal advice about your situation; no one else can, not even those paralegal services. If they do, they \'re practicing law without a license... and do you really want someone like that \"helping \" you? Contact Orange County bankruptcy attorneys for help today We can work out a payment plan so that this is an affordable bankruptcy. For a big deal like a bankruptcy, you really want Orange County bankruptcy attorneys to help. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Orange County Bankruptcy Attorneys","Orange County Bankruptcy Attorneys","");arrFiles[105]=new Array("orange-county-bankruptcy-lawyer.htm","Orange County Bankruptcy Lawyer","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Orange County Bankruptcy Lawyer Home > Geo > Orange County > Bankruptcy Lawyer Why a Orange County bankruptcy lawyer to handle your Orange County bankruptcy ? You really want someone you can trust who is a trained professional with experience you can count on to help you with something that will shape your financial life for years to come. It \'s a paradox: \"If I had enough cash on hand to afford a lawyer, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having Orange County bankruptcy lawyers help you. A skilled lawyer can save you much more money than you \'ll spend. Let \'s say your attorney fees are around a grand for a chapter 7 bankruptcy. A skilled professional will assist you in finding California bankruptcy exemptions for your property and house, often up to many thousands of dollars. An attorney will appear with you in court if your creditors fight you on an issue or want you to give something back, or say that some major thing is non-dischargable. You don \'t want to be on your own, at that point. A lawyer can work out a Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only an attorney can give you legal advice about your situation; no one else can, not even those paralegal services. If they do, they \'re practicing law without a license... and do you really want someone like that \"helping \" you? Contact a bankruptcy lawyer for help today We can work out a payment plan so that this is an affordable bankruptcy. For a big deal like a bankruptcy, you really want a Orange County bankruptcy lawyer to help San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Orange County Bankruptcy Lawyer","Orange County Bankruptcy Lawyer","");arrFiles[106]=new Array("orange-county-bankruptcy-lawyers.htm","Orange County Bankruptcy Lawyers","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Orange County Bankruptcy Lawyers Home > Geo > Orange County > Bankruptcy Lawyers Why Orange County bankruptcy lawyers to handle your Orange County bankruptcy ? You really want professionals you can trust who are trained and with experience you can count on to help you with something that will shape your financial life for years to come. The Cost Quandary It \'s an age-old dilemma: \"If I had enough money to afford lawyers, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having an Orange County bankruptcy lawyer help you. A skilled lawyer can save you much more money than you \'ll spend. And yes, our lawyers will work out affordable payment plans where you pay what you can, when you can. Affordable? It may sound counter-intuitive, but lawyers can be affordable, particularly if you are considering ditching a lot of debt. Payment plans can be arranged where you are receiving the full benefit of a lawyer to assist you and not cutting corners. Why Use Lawyers? While there are those that might consider to file bankruptcy on their own, there are many very good reasons why you should use bankruptcy lawyers. For a complex procedure that will impact your life for years to come, you really don \'t want to skimp on money and cut corners. You wouldn \'t skimp on a surgeon and hire some cut-rate paramedic to perform surgery on you, would you? Why would you want a discount paralegal to do something as major as a BK? A paralegal can \'t even give you cheap legal advice. For legal advice, you need lawyers. Anyone who is not a lawyer is practicing law without a license. Is that really the kind of \"help \" you want? Let \'s say your lawyers \' fees are around a grand for a chapter 7 bankruptcy. A skilled professional will assist you in finding California bankruptcy exemptions for your property and house, often up to many thousands of dollars. An lawyer will appear with you in court. They \'re fight for you if your creditors contend an issue or want you to give something back, or say that some major debt is non-dischargable. You don \'t want to be on your own, at that point. Or, lawyers can work out a Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only lawyers can give you legal advice about your situation; no one else can, not even those paralegal services. If they do, they \'re practicing law without a license... and do you really want someone like that \"helping \" you? Timing You don \'t want to wait too long. Delay will only lead to more creditor harassment and could lead to wage garnishment and put you in a situation where you \'ll need to stop foreclosure . So, don \'t delay, contact a skilled professional today. Contact bankruptcy lawyers for help today We can work out a payment plan so that this is an affordable bankruptcy. For a big deal like a bankruptcy, you really want Orange County bankruptcy lawyers to help. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Orange County Bankruptcy Lawyers","Orange County Bankruptcy Lawyers","");arrFiles[107]=new Array("payment-plan.htm","Payment Plan","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Payment Plan Home > Contact > Payment Plan Your payments for the attorney fee can be broken into no-pressure payments. Payments can be Money Order, Cashier \'s Check, and of course, cash. The First Payment With the first payment we receive, we will start working on your bankruptcy case, gathering information, crafting your bankruptcy petition and schedules. If you have questions, we \'re available to talk with you about your issues and concerns. Just call. Other Payments The timing and amount of the other payments are entirely up to you . You control when you make them, and how much they are. You are in charge. We figure that you know best how much money to apply to your groceries and food or rent, and how much to dedicate towards moving your bankruptcy case closer to Filing Day. The Last Payment When your final payment is received, the magical Filing Day can come. We will go over your bankruptcy schedules with you, explaining everything in detail. Then we sign and shortly thereafter, we will file your petition with the bankruptcy court . We can work things out where you \'re paying the total fee into 2 or 3 payments, or in some cases, even more. Of course, your lawyer has to be paid before Filing Day, or else he will be just like all the other creditors, and we don \'t want to treat him that way! Contact us and we can work out a flexible no-hassle payment plan for you. Note : this is not to be confused with the Chapter 13 Payment Plan . San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Payment Plan","Payment Plan","");arrFiles[108]=new Array("orange-county-bankruptcy.htm","Orange County Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Orange County Bankruptcy Home > Geo > Orange County In Orange County, if you file bankruptcy, you will need to attend the bankruptcy court that is located in downtown Santa Ana. Our Orange County bankruptcy attorneys know their way around the bankruptcy court. The harassing creditor phone calls and threatening letters from collection agencies can make your life miserable. Same thing for wage garnishment , foreclosure and car repossession . Get a skilled bankruptcy attorney to help you regain control. This is why, in OC, whether you live in Anaheim or Tustin, Buena Park, Stanton, Cerritos, Newport Beach, Westminister, Brea, Irvine (or UCI), Costa Mesa, El Toro, Laguna Hills, Woods or Niguel, Fullerton, Lake Forest, Huntington Beach or Garden Grove, when you need to get a hold of an attorney for a bankruptcy, we \'re the lawyers to turn to. So, if you \'re in financial trouble and thinking about credit card debt consolidation or bankruptcy, you really need to contact an Orange County OC bankruptcy lawyer right away. CONTACT AN ORANGE COUNTY BANKRUPTCY LAWYER RIGHT NOW San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Orange County Bankruptcy","Orange County Bankruptcy","");arrFiles[109]=new Array("payment-fail.htm","Los Angeles Bankruptcy Lawyer Attorney in Southern California","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Payment Canceled Home > Contact > Payment Cancel You \'re PayPal transaction did not go through. Return to Home San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","null","null","");arrFiles[110]=new Array("payment-success.htm","Los Angeles Bankruptcy Lawyer Attorney in Southern California","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Payment Success! Home > Contact > Payment received You \'re PayPal transaction went through. Thank you for your prompt payment. Home San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","null","null","");arrFiles[111]=new Array("search.htm","Los Angeles Bankruptcy Lawyer Attorney in Southern California","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Search Los Angeles Bankruptcy.net Home > Search This handy page is designed to help you find exactly the information you need. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","null","null","");arrFiles[112]=new Array("personal-bancruptcy.htm","Personal Bancruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Personal Bancruptcy Home > BK Info > Personal bankruptcy 2 Bancruptcy comes in two varieties: personal bancruptcy and business bancruptcy. A personal bancruptcy -- also called Consumer Bancruptcy -- is the right to discharge a debt by an individual or a married couple. This is usually what people think of when they hear about filing bancruptcy . The business bancruptcy is what a major corporation or business will file when they want to file bancruptcy. This type of filing is usually a Chapter 11 bancruptcy. These are very complex cases, and often to go to a bancruptcy attorney who specializes in this specific subcategory. While you could file personal bancruptcy on your own, you really are better of using the services of a bancruptcy attorney . A lawyer who does nothing but bancruptcy can spot ways to help you save property using California exemptions , and will battle the creditors who fight your attempts to make them go away. A good bancruptcy attorney can help you save thousands of dollars. We \'re Los Angeles attorneys (serving San Fernando Valley, Santa Clarita and Antelope Valley / Lancaster), and will be more than happy if you chose to contact us. If you \'re an individual and feel that there is no way out of your debt troubles, because you are facing losing your house and want to stop forclosure , wage garnishment or just want to stop the creditor harrassment , you \'ll want to learn more about Chapter 7 bancruptcy or bancruptcy Chapter 13 . San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Personal Bancruptcy","Personal Bancruptcy","");arrFiles[113]=new Array("stop_forclosure.htm","Stop Forclosure","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Stop Forclosure Home > BK Info > Stop forclosure If you fall behind on mortgage payments, you will want to stop forclosure. There are few things that cause as much anxiety as the prospect of losing your house. The mortgage company will want to take the home away from you. This is truly one of the scariest ordeals a family can go through. One way to save your home is filing a chapter 13 bankruptcy . You will get to continue living in your house while you work out a payment plan to catch up on your arrearages. If time is tight, don \'t delay, this may be the solution for you to stop forclosure. CONTACT US TO SAVE YOUR HOME San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Stop Forclosure","Stop Forclosure","");arrFiles[114]=new Array("personal_bancruptcy.htm","Personal Bancruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Personal Bancruptcy Home > BK Info > Personal bancruptcy Bancruptcy comes in two varieties: personal bancruptcy and business bancruptcy. A personal bancruptcy -- also called Consumer Bancruptcy -- is the right to discharge a debt by an individual or a married couple. This is usually what people think of when they hear about filing bancruptcy . The business bancruptcy is what a major corporation or business will file when they want to file bancruptcy. This type of filing is usually a Chapter 11 bancruptcy. These are very complex cases, and often to go to a bancruptcy attorney who specializes in this specific subcategory. While you could file personal bancruptcy on your own, you really are better of using the services of a bancruptcy attorney . A lawyer who does nothing but bancruptcy can spot ways to help you save property using California exemptions , and will battle the creditors who fight your attempts to make them go away. A good bancruptcy attorney can help you save thousands of dollars. We \'re Los Angeles attorneys (serving San Fernando Valley, Santa Clarita and Antelope Valley / Lancaster), and will be more than happy if you chose to contact us. If you \'re an individual and feel that there is no way out of your debt troubles, because you are facing losing your house and want to stop forclosure , wage garnishment or just want to stop the creditor harrassment , you \'ll want to learn more about Chapter 7 bancruptcy or bancruptcy Chapter 13 . San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Personal Bancruptcy","Personal Bancruptcy","");arrFiles[115]=new Array("stop_foreclosure.htm","Stop Foreclosure","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Stop Foreclosure Home > BK Info > Stop foreclosure If you fall behind on mortgage payments, you will want to stop foreclosure. There are few things that cause as much anxiety as the prospect of losing your house. The mortgage company will want to take the home away from you. This is truly one of the scariest ordeals a family can go through. One way to save your home is filing a chapter 13 bankruptcy . You will get to continue living in your house while you work out a payment plan to catch up on your arrearages. If time is tight, don \'t delay, this may be the solution for you to stop foreclosure. Contact us to save your home! San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Stop Foreclosure","Stop Foreclosure","");arrFiles[116]=new Array("sample_letters_to_creditors.htm","Sample Letters to Creditors","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Sample Letters to Creditors Home > BK Info > Creditor Harassment > Sample creditor letters 2 Here you find a couple of sample letters to creditors that you might find helpful. One of them is a cease desist letter to creditors that should buy you some breathing room. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Sample Letters to Creditors","Sample Letters to Creditors","");arrFiles[117]=new Array("san-bernardino-bankruptcy.htm","San Bernardino Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test San Bernardino Bankruptcy Home > Geo > San Bernardino > Bankruptcy In San Bernardino, if you file bankruptcy, you will need to attend the bankruptcy court . Our San Bernardino bankruptcy attorneys know their way around the bankruptcy court. The harassing creditor phone calls and threatening letters from collection agencies can make your life miserable. Same thing for wage garnishment , foreclosure and car repossession . This is why, whether you live in Alta Loma, Apple Valley, Big Bear City, Big Bear Lake, Blue Jay, Cedar Glen, Claremont, Cedarpines Park, Chino, Colton, Crest Park, Crestline, Fontana, Inland Empire, Lake Arrowhead, Montclair, Ontario, Pomona, Rancho Cucamonga, Rialto, Rimforest, Skyforest, Twin Peaks, Upland, Victorville, Wrightwood, and of course, San Bernardino, when you need to get a hold of an attorney for a bankruptcy, we \'re the lawyers to turn to. So, if you \'re in financial trouble and thinking about credit card debt consolidation or bankruptcy, you really need to contact an San Bernadino bankruptcy lawyer right away. CONTACT A SAN BERNARDINO BANKRUPTCY LAWYER RIGHT NOW San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","San Bernardino Bankruptcy","San Bernardino Bankruptcy","");arrFiles[118]=new Array("san-fernando-valley-bankruptcy.htm","San Fernando Valley Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test San Fernando Valley Bankruptcy Home > Geo > San Fernando Valley > Bankruptcy Attorney In the San Fernando Valley, if you file bankruptcy, you will need to attend the bankruptcy court . Our San Fernando Valley bankruptcy attorneys know their way around the bankruptcy court in Woodland Hills. The harassing creditor phone calls and threatening letters from collection agencies can make your life miserable. Same thing for wage garnishment , foreclosure and car repossession . Get a skilled bankruptcy attorney to help you regain control. This is why, whether you live in Arleta, Burbank, Calabasas, Canoga Park, Chatsworth, Eagle Rock, Encino, Glendale, Granada Hills, Hidden Hills Lake View Terrace, Mission Hills, Monrovia, North Hollywood (NoHo), Northridge (including CSUN), Pacoima, La Crescenta, Panorama City, Pasadena, Altadena, Reseda, Sherman Oaks, Studio City, Sunland, Sylmar, Tarzana, Toluca Lake, Tujunga, Universal City, Valley Village, Van Nuys, West Hills, Winnetka, and Woodland Hills when you need to get a hold of an attorney for a bankruptcy, we \'re the lawyers to turn to. So, if you \'re in financial trouble, looking for SFV apartments or jobs (or bus route !) and thinking about credit card debt consolidation or bankruptcy, you really need to contact an San Fernando Valley bankruptcy lawyer right away. CONTACT A SAN FERNANDO VALLEY BANKRUPTCY LAWYER RIGHT NOW San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","San Fernando Valley Bankruptcy","San Fernando Valley Bankruptcy","");arrFiles[119]=new Array("southern-california-bankruptcy.htm","Southern California Bankruptcy Attorney Lawyer","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Southern California Bankruptcy Home > Geo > Southern California > Bankruptcy For a personal bankruptcy , you \'re going to need complete and helpful bankruptcy information , presented by a Southern California bankruptcy attorney. Filing bankruptcy is a major decision, witih many benefits, including to stop foreclosure , wage garnishment and creditor harassment . You want a Southern California bankruptcy lawyer to help you. The harassing creditor phone calls and threatening letters from collection agencies can make your life miserable. Same thing for wage garnishment , foreclosure and car repossession . This is why, whether you live in Orange County , Ventura County , Los Angeles ( LA ), Antelope Valley , San Fernando Valley or San Bernandino , when you need to get a hold of an attorney for a bankruptcy, we \'re the lawyers to turn to. So, whether you \'re contemplating a chapter 7 bankruptcy or a chapter 13 bankruptcy , whether to go it alone or to use the help of a Southern California bankruptcy lawyer , or just want to know where the Southern California Bankruptcy Court is, all the Southern California personal bankruptcy information is right here, brought to you by a Southern California attorney . CONTACT A SOUTHERN CALIFORNIA BANKRUPTCY LAWYER San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Southern California Bankruptcy Attorney Lawyer","Southern California Bankruptcy Attorney Lawyer","");arrFiles[120]=new Array("site-index.htm","Los Angeles Bankruptcy Lawyer Attorney in Southern California","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankruptcy - Site Index about attorney SOLUTION FOR car repossession credit card debt creditor harassment debt consolidation wage garnishment harrassing creditors lawsuits stopping foreclosure Chapter 13 bankruptcy Chapter 13 bankruptcy overview Chapter 13 bankruptcy process Chapter 7 bankruptcy contact filing bankruptcy home home1 personal bankruptcy cease and desist letter to creditors sample letters to creditors student loans tax debt wage garnish bankruptcy California bankruptcy California bankruptcy exemptions bankruptcy reform bankruptcy analysis file bankruptcy bankruptcy and home bankruptcy fraud bankruptcy glossary bankruptcy information bankruptcy links divorce bankruptcy Fair Debt Practices Act lawyers stop foreclosure Los Angeles attorney Los Angeles bankruptcy attorneys Los Angeles bankruptcy court Los Angeles bankruptcy lawyer Los Angeles bankruptcy lawyers Orange County bankruptcy Orange County bankruptcy attorney Orange County bankruptcy attorneys Orange County bankruptcy lawyer Orange County bankruptcy lawyers Southern California bankruptcy SITE MAP San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","null","null","");arrFiles[121]=new Array("stopping-foreclosure.htm","Stopping Foreclosure - Can Bankruptcy Stop Foreclosure","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Stopping Foreclosure Can Bankruptcy Stop Foreclosure ? Home > Types of debt > Stop foreclosure 3 One of the scariest experiences is the prospect of losing your home. You have some tough luck and miss a mortgage payment or two. The bank wants to take your house away and leave you on the street. What can you do? Yes, a bankruptcy can stop a foreclosure. In essence, you will be given a break to catch your breath. This will allow you time to start paying your arrearages (what you are behind). The bank will have to stop all attempts to take your home while you work out a plan with your lawyer. Chapter 13 Bankruptcy is the perfect solution to this problem. In addition, you can get rid of your credit card debt by paying a portion of it back. However, it \'s usually wise to attempt to negotiate with your lender first. They are often willing to work something out. If this is not an option though, bankruptcy can help. Article: saving your Los Angeles home in foreclosure Walk away? Or catch up in arrearages payments? Whatever your goal is, we can help you start over. Contact us now! San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Stopping Foreclosure - Can Bankruptcy Stop Foreclosure","Stopping Foreclosure - Can Bankruptcy Stop Foreclosure, Avoiding Mortgage Forclosure?","");arrFiles[122]=new Array("stop-forclosure.htm","Stop Forclosure","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Stop Forclosure Home > Types of debt > Stop forclosure If you fall behind on mortgage payments, you will want to stop forclosure. There are few things that cause as much anxiety as the prospect of losing your house. The mortgage company will want to take the home away from you. This is truly one of the scariest ordeals a family can go through. One way to save your home is filing a chapter 13 bankruptcy . You will get to continue living in your house while you work out a payment plan to catch up on your arrearages. If time is tight, don \'t delay, this may be the solution for you to stop forclosure. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Stop Forclosure","Stop Forclosure","");arrFiles[123]=new Array("student-loans.htm","Student Loans & Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Student Loans & Bankruptcy Home > Types of debt > Student Loans General Rule Student loans, generally, are not dischargeable under any chapter of the Bankruptcy Code. A bankruptcy case can, however, eliminate other debts that are competing for your dollars and provide a measure of peace during a Chapter 13 plan. Further, in a Chapter 13, some courts permit the debtor to separately classify a student loan so that a greater percentage of disposable income goes to the student loan than non-secured debt. Exception There is an extremely narrow exception to student loans. The borrower would have to show \"undue hardship. \" This determination is for a judge to rule, but is usually made by a combination of factors. Factors for \"Undue Hardship \" Those who file bankruptcies in California are subject to the laws as they are interpreted in the Ninth Circuit. The Ninth Circuit follows the test for undue hardship set forth in the cases of In re Brunner , In re Shankwiler and In re Pena . Those cases state that in order to demonstrate hardship for purposes of discharging a student loan, three criterion must be met: (1) the debtor must prove that he/she cannot maintain a minimal standard of living if forced to repay the student loans, based upon current income and expenses; (2) that additional circumstances exist indicating that this state of affairs is likely to persist for a significant portion of the repayment period; and (3) that the debtor made a good faith effort to repay the loans. The court is required to exercise its discretion in determining whether and undue hardship does in fact exist. First the courts will look to the net monthly income and subtract out reasonable monthly expenses. Then it will look to see whether the debtor profited in the work force by his education and whether the debtors earning potential was increased by the education. Lastly the court will look to see what efforts the debtor made to repay the loans, and wether the debtor had requested a deferment or not. The inquiry is guided by the idea that the debtor \'s bad financial condition and default should not have been caused by the debtor \'s own willfulness or negligence, but rather by factors beyond the debtors control. Each case will of course turn on its own facts and it will be incumbent upon the debtor \'s attorney to convince the court that \"undue hardship \" does in fact exist in the debtor \'s case. Bottom line: your student loans probably aren \'t going away in a bankruptcy, but at least you \'ll better be able to afford them. Contact us now to see if it \'s possible for your student loans to be discharged. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Student Loans & Bankruptcy","Student Loans & Bankruptcy","");arrFiles[124]=new Array("wage-garnishment.htm","Wage Garnishment","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Wage Garnishment Home > Types of debt > Wage Garnishment Wage garnishment in California is a shocking and traumatic event. All of a sudden, 25% of your income is attached and you never see it (up to 50% in some custody claim cases). And it all starts when a creditor has filed a Earnings Withholding Order to collect on a debt and garnish wage.. Suddenly, someone who was just barely getting by, treading water, is now missing one-fourth of their take-home pay. There are a couple of things someone who has had their wages garnished can do. One of them is to file a Claim of Exemption form . This is not an easy way to go, and you \'ll probably want an attorney to assist you. The standard is fairly high, but from time to time, these allow you to decrease the amount they withhold. One other thing you can do is hire a Los Angeles attorney to file bankruptcy on your behalf. Immediately, the creditor whose debt is being paid by the wage garnishment will be put on notice and have to stop this garnish wage and attempt to collect on a debt. You can file bankruptcy to stop the wage garnishment in California. MORE: See our article on stopping a wage garnishment . But hurry. Every moment you delay is risking another paycheck that gets shorted, funds going to \"them \" which you can be using for groceries and food. You cannot afford to lose 25% of your pay check. Stop the wage garnishment now . CONTACT AN ATTORNEY RIGHT NOW AND MAKE IT A RUSH JOB San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Wage Garnishment","Wage Garnishment","");arrFiles[125]=new Array("wage_garnishment.htm","Wage Garnishment","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Wage Garnishment Home > BK Info > Wage Garnishment Wage garnishment in California is a shocking and traumatic event. All of a sudden, 25% of your income is attached and you never see it (up to 50% in some custody claim cases). And it all starts when a creditor has filed a Earnings Withholding Order to collect on a debt. Suddenly, someone who was just barely getting by, treading water, is now missing one-fourth of their take-home pay. There are a couple of things someone who has had their wages garnished can do. One of them is to file a Claim of Exemption form . This is not an easy way to go, and you \'ll probably want an attorney to assist you. The standard is fairly high, but from time to time, these allow you to decrease the amount they withhold. One other thing you can do is hire a Los Angeles attorney to file bankruptcy on your behalf. Immediately, the creditor whose debt is being paid by the wage garnishment will be put on notice and have to stop this attempt to collect on a debt. You can file bankruptcy, Chapter 7 bankruptcy or Chapter 13 bankruptcy to stop the wage garnishment in California. Contact us to save your paycheck! San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Wage Garnishment","Wage Garnishment","");arrFiles[126]=new Array("zip-code-search.htm","Los Angeles Bankruptcy Court Zip Code City Search","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankruptcy Court Zip Code City Search Home > Zip Code Search To find your filing office (Northern Division, Riverside, Los Angeles, San Fernando Valley or Santa Ana), enter your ZIP code below. City names work also, even partial names. Enter your ZIPcode or City name: Will open a new browser window -- Control-W to return San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Los Angeles Bankruptcy Court Zip Code Zipcode City Search","Los Angeles Bankruptcy Court Zip Code ZipCode City Search","");arrFiles[127]=new Array("ventura-county-bankruptcy-attorney.htm","Ventura County Bankruptcy Attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Ventura County Bankruptcy Attorney Home > Geo > Ventura County > Bankruptcy Attorney Why a Ventura County bankruptcy attorney to handle your Ventura County bankruptcy ? You really want professionals you can trust who are trained and with experience you can count on to help you with something that will shape your financial life for years to come. It \'s a paradox: \"If I had enough money to afford an attorney, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having Ventura County bankruptcy attorneys help you. A skilled attorney can save you much more money than you \'ll spend. Let \'s say your attorney fees are around a grand for a chapter 7 bankruptcy. A skilled professional will assist you in finding California bankruptcy exemptions for your property and house, often up to many thousands of dollars. An attorney will appear with you in court if your creditors fight you on an issue or want you to give something back, or say that some major thing is non-dischargable. You don \'t want to be on your own, at that point. An attorney can work out a Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only an attorney can give you legal advice about your situation; no one else can, not even those paralegal services. If they do, they \'re practicing law without a license... and do you really want someone like that \"helping \" you? Contact a bankruptcy attorney for help today We can work out a payment plan so that this is an affordable bankruptcy. For a big deal like a bankruptcy, you really want a Ventura County bankruptcy attorney to help. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Ventura County Bankruptcy Attorney","Ventura County Bankruptcy Attorney","");arrFiles[128]=new Array("ventura-county-bankruptcy-attorneys.htm","Ventura County Bankruptcy Attorneys","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Ventura County Bankruptcy Attorneys Home > Geo > Ventura County > Bankruptcy Attorneys Why Ventura County bankruptcy attorneys to handle your Ventura County bankruptcy ? You really want someone you can trust who is a trained professional with experience you can count on to help you with something that will shape your financial life for years to come. The Cost Quandary It \'s a paradox: \"If I had enough money to afford attorneys, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there are good justifications for having an Ventura County bankruptcy attorney help you. A skilled attorney can save you much more money than you \'ll spend. Affordable? It may sound counter-intuitive, but an attorney can be affordable, particularly if you are considering ditching a lot of debt. Payment plans can be arranged where you are receiving the full benefit of a lawyer to assist you and not cutting corners. Why use Attorneys? While there are those that might consider to file bankruptcy on their own, there are many very good reasons why you should use bankruptcy attorneys. For a complex procedure that will impact your life for years to come, you really don \'t want to skimp on money and cut corners. You wouldn \'t hire a cut-rate paramedic to perform surgery on you, would you? Why would you want a discount paralegal to do something as major as this? A paralegal can \'t even give you legal advice. For legal advice you need attorneys. Anyone who is not a lawyer is practicing law without a license. Is that really what you want? You don \'t want to wait too long. Delay will only lead to more creditor harassment and could lead to wage garnishment and put you in a situation where you \'ll need to stop foreclosure . So, don \'t delay, contact a skilled professional today. Let \'s say your attorneys \' fees are around a grand for a chapter 7 bankruptcy. A skilled professional will assist you in finding California bankruptcy exemptions for your property and house, often up to many thousands of dollars. Our attorneys will appear with you in court if your creditors fight you on an issue or want you to give something back, or say that some major thing is non-dischargable. You don \'t want to be on your own, at that point. A lawyer can work out a Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only attorneys can give you legal advice about your situation; no one else can, not even those paralegal services. If they do, they \'re practicing law without a license... and do you really want someone like that \"helping \" you? Contact Ventura County bankruptcy attorneys for help today We can work out a payment plan so that this is an affordable bankruptcy. For a big deal like a bankruptcy, you really want Ventura County bankruptcy attorneys to help. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Ventura County Bankruptcy Attorneys","Ventura County Bankruptcy Attorneys","");arrFiles[129]=new Array("ventura-county-bankruptcy-lawyer.htm","Ventura County Bankruptcy Lawyer","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Ventura County Bankruptcy Lawyer Home > Geo > Ventura County > Bankruptcy Lawyer Why a Ventura County bankruptcy lawyer to handle your Ventura County bankruptcy ? You really want someone you can trust who is a trained professional with experience you can count on to help you with something that will shape your financial life for years to come. It \'s a paradox: \"If I had enough cash on hand to afford a lawyer, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having Ventura County bankruptcy lawyers help you. A skilled lawyer can save you much more money than you \'ll spend. Let \'s say your attorney fees are around a grand for a chapter 7 bankruptcy. A skilled professional will assist you in finding California bankruptcy exemptions for your property and house, often up to many thousands of dollars. An attorney will appear with you in court if your creditors fight you on an issue or want you to give something back, or say that some major thing is non-dischargable. You don \'t want to be on your own, at that point. A lawyer can work out a Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only an attorney can give you legal advice about your situation; no one else can, not even those paralegal services. If they do, they \'re practicing law without a license... and do you really want someone like that \"helping \" you? Contact a bankruptcy lawyer for help today We can work out a payment plan so that this is an affordable bankruptcy. For a big deal like a bankruptcy, you really want a Ventura County bankruptcy lawyer to help San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Ventura County Bankruptcy Lawyer","Ventura County Bankruptcy Lawyer","");arrFiles[130]=new Array("ventura-county-bankruptcy-lawyers.htm","Ventura County Bankruptcy Lawyers","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Ventura County Bankruptcy Lawyers Home > Geo > Ventura County > Bankruptcy Lawyers Why Ventura County bankruptcy lawyers to handle your Ventura County bankruptcy ? You really want professionals you can trust who are trained and with experience you can count on to help you with something that will shape your financial life for years to come. The Cost Quandary It \'s an age-old dilemma: \"If I had enough money to afford lawyers, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having an Ventura County bankruptcy lawyer help you. A skilled lawyer can save you much more money than you \'ll spend. And yes, our lawyers will work out affordable payment plans where you pay what you can, when you can. Affordable? It may sound counter-intuitive, but lawyers can be affordable, particularly if you are considering ditching a lot of debt. Payment plans can be arranged where you are receiving the full benefit of a lawyer to assist you and not cutting corners. Why Use Lawyers? While there are those that might consider to file bankruptcy on their own, there are many very good reasons why you should use bankruptcy lawyers. For a complex procedure that will impact your life for years to come, you really don \'t want to skimp on money and cut corners. You wouldn \'t skimp on a surgeon and hire some cut-rate paramedic to perform surgery on you, would you? Why would you want a discount paralegal to do something as major as a BK? A paralegal can \'t even give you cheap legal advice. For legal advice, you need lawyers. Anyone who is not a lawyer is practicing law without a license. Is that really the kind of \"help \" you want? Let \'s say your lawyers \' fees are around a grand for a chapter 7 bankruptcy. A skilled professional will assist you in finding California bankruptcy exemptions for your property and house, often up to many thousands of dollars. An lawyer will appear with you in court. They \'re fight for you if your creditors contend an issue or want you to give something back, or say that some major debt is non-dischargable. You don \'t want to be on your own, at that point. Or, lawyers can work out a Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only lawyers can give you legal advice about your situation; no one else can, not even those paralegal services. If they do, they \'re practicing law without a license... and do you really want someone like that \"helping \" you? Timing You don \'t want to wait too long. Delay will only lead to more creditor harassment and could lead to wage garnishment and put you in a situation where you \'ll need to stop foreclosure . So, don \'t delay, contact a skilled professional today. Contact bankruptcy lawyers for help today We can work out a payment plan so that this is an affordable bankruptcy. For a big deal like a bankruptcy, you really want Ventura County bankruptcy lawyers to help. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Ventura County Bankruptcy Lawyers","Ventura County Bankruptcy Lawyers","");arrFiles[131]=new Array("ventura-county-bankruptcy.htm","Ventura County Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Ventura County Bankruptcy Home > Geo > Ventura County > Bankruptcy In Ventura County, if you file bankruptcy, you will need to attend the bankruptcy court with you . Our Ventura County bankruptcy attorneys know their way around the bankruptcy court. The harassing creditor phone calls and threatening letters from collection agencies can make your life miserable. Same thing for wage garnishment , foreclosure and car repossession . Get a skilled bankruptcy attorney to help you regain control. This is why, whether you live in Camarillo, Fillmore, Moorpark, Ojai, Oxnard, Port Hueneme, Santa Paula, Simi Valley, Westlake Village, Thousand Oaks, Piru, Hidden Hills, Newbury Park, Agoura Hills, and of course, Ventura, when you need to get a hold of an attorney for a bankruptcy, we \'re the lawyers to turn to. So, if you \'re in financial trouble and thinking about credit card debt consolidation or bankruptcy, you really need to contact an Ventura County bankruptcy lawyer right away. In addition to Ventura County, we \'re all over Southern California : San Fernando Valley , San Bernardino , Orange County , Antelope Valley (Lancaster and Palmdale) and Santa Clarita / Valencia areas. CONTACT A VENTURA COUNTY BANKRUPTCY ATTORNEY RIGHT NOW San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Ventura County Bankruptcy","Ventura County Bankruptcy","");arrFiles[132]=new Array("article-stop_home_foreclosure_chapter_13.htm","Stop Foreclosure: Stop house foreclosure, stop mortgage foreclosure, stop home foreclosure in Southern California","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Stop House Foreclosure Home > Articles > Stop Foreclosure Save your Home and Catch up on the Mortgage by Hale Andrew Antico, Esq. In August 2005, just before the bankruptcy laws changed, I wrote in this space that there was a perfect storm brewing for the average consumer. Since then, the bankruptcy laws have changes (in the name of reform), and indeed, it is harder -- but not impossible -- to get a fresh start. One area where we can get into debt trouble and feel a financial squeeze is with regard to mortgage payments.The past few years, property values have been soaring here in Southern California. This has led to many people to refinance their homes and take \"cash out \" -- in essence using their house as an ATM. The result of this is that it leads to less equity and a higher mortgage payment. What happens if these homes with tapped out equity drop in value? We \'re conditioned to believe that property values only go up Up UP! in Southern California. However, in 1989-1991, the real estate market peaked, leading to dropping property values. The result is that many people were \"upside down \" in their homes, meaning that that they owed more than it was worth. We expect this from a car loan since a car almost always depreciates faster than we can pay it off. But with a house? Yikes. Some experts believe that history may be repeating itself. Recently, economics experts are looking at reliable benchmarks like Price-to-Income Ratios and Price-to-Rent ratios and noting that home value are much higher than normal levels. Even houses in your neighborhood are no longer selling within the same week they \'re listed with someone offering $10,000 over the listing price. Instead, we \'re seeing \"Reduced! \" signs nailed onto those For Sale signs, and reading advice like that in the Los Angeles Daily News suggesting that you list your home in the lower 25% as related tothe comparable homesin the neighborhood. Is there a real estate bubble which will shortly burst, or is the housing market temporarily resting before it continues upwards and onwards? No one knows for sure. If you find yourself in the awful situation where you fall one or two payments behind on the mortgage, there is still hope to stop foreclosure. A Chapter 13 bankruptcy might be the solution. This option allows you to get some \"breathing room, \" stop the collection calls and headaches, and even stop a foreclosure. People can fall a few months behind, they want to catch up but the lender won \'t accept anything but a massive lump sum payment that the troubled homeowner doesn \'t have. A Chapter 13 case can allow you to catch your breath as you demonstrate how you will catch up on your past due mortgage payments, but on a schedule you can actually stick to and afford. This very helpful type of bankruptcy allows you to reorganize your debt and save your house in Southern California and stop foreclosure. Even for people who don \'t have a home, a Chapter 13 bankruptcy can provide a light at the end of the tunnel. It can provide a way to pay what you can afford, and in return, stop lawsuits, wage garnishments, collection headaches and yes, even foreclosures. And then, yes, you can be debt-free in three or five years. That time will tick off the calendar either way... why not be out of debt in that span? So, just because you \'re a payment or three behind on that car or home and don \'t think you can stop the house foreclosure, don \'t lose faith. There is a way to get some space and time to catch your breath. You can be out of debt and most importantly, save your home. Sometimes, bad things happen to good people. We don \'t intend for things to work out the way they do. But when \"life happens \" and there is an unanticipated debt problem, when you \'re ready to solve it thena Chapter 13 bankruptcy can be the solution to your problem. CONTACT US FOR A CONSULT NOW Hale Andrew Antico (aka Attorney Antico) is an attorney who specializes in consumer finance. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Stop Foreclosure: Stop house foreclosure, stop mortgage foreclosure, stop home foreclosure in Southern California","Stop Foreclosure: Stop house foreclosure, stop mortgage foreclosure, stop home foreclosure in Southern California","");arrFiles[133]=new Array("wages-garnish-bankruptcy.htm","bankruptcy Garnish Wages","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bankruptcy: Garnish Wages Home > Types of debt > Bankruptcy Garnish Wages Bankruptcy & garnish wages in California is a shocking and traumatic event. All of a sudden, 25% of your income is attached and you never see it (up to 50% in some custody claim cases). And it all starts when a creditor has filed a Earnings Withholding Order to collect on a debt. Suddenly, someone who was just barely getting by, treading water, is now missing one-fourth of their take-home pay. There are a couple of things someone who has had their wages garnished can do. One of them is to file a Claim of Exemption form . This is not an easy way to go, and you \'ll probably want an attorney to assist you. The standard is fairly high, but from time to time, these allow you to decrease the amount they withhold. One other thing you can do is hire a Los Angeles attorney to file bankruptcy on your behalf. Immediately, the creditor whose debt is being paid by the bankruptcy garnish wages will be put on notice and have to stop this attempt to collect on a debt. You can file bankruptcy, Chapter 7 bankruptcy or Chapter 13 bankruptcy to stop the bankruptcy garnish wages in California. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","bankruptcy Garnish Wages","bankruptcy Garnish Wages","");arrFiles[134]=new Array("wages_garnish_banruptcy.htm","Banruptcy Garnish Wages","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Banruptcy Garnish Wages Home > Types of debt > Banruptcy Garnish Wages Banruptcy garnish wages in California is a shocking and traumatic event. All of a sudden, 25% of your income is attached and you never see it (up to 50% in some custody claim cases). And it all starts when a creditor has filed a Earnings Withholding Order to collect on a debt. Suddenly, someone who was just barely getting by, treading water, is now missing one-fourth of their take-home pay. There are a couple of things someone who has had their wages garnished can do. One of them is to file a Claim of Exemption form . This is not an easy way to go, and you \'ll probably want an attorney to assist you. The standard is fairly high, but from time to time, these allow you to decrease the amount they withhold. One other thing you can do is hire a Los Angeles attorney to file banruptcy on your behalf. Immediately, the creditor whose debt is being paid by the banruptcy garnish wages will be put on notice and have to stop this attempt to collect on a debt. You can file banruptcy, Chapter 7 banruptcy or Chapter 13 banruptcy to stop the banruptcy garnish wages in California. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Banruptcy Garnish Wages","Banruptcy Garnish Wages","");arrFiles[135]=new Array("bankrupcy_california_law.htm","Bankrupcy California Law","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bankrupcy California Law Bankrupcy under California law is really the same as other states \' Bankrupcy programs, witih some minor differences. You see, bankrupcy is governed by Federal law, and you \'ll be in federal court. So, if you \'re a CA resident, you \'ll want to file your California Bankrupcy in a Federal court in your local jurisdiction. Like most complicated and confusing things involving the law, you \'re probably best not trying this yourself, though you certainly can. It \'s probably better to work with a California Bankrupcy attorney who is licensed in your local district. However, one of the most important things to know about are the California Bankrupcy exemptions , as these can help you protect your property from your creditors. They are constantly changing by the state legislature, so check the law before filing Bankrupcy . If you are looking for a Los Angeles attorney , you \'re going to want someone familiar with the Los Angeles Bankrupcy court , and the local rules. (of course, this would hold true for your own jurisdiction -- in addition to Bankrupcy California law exemptions, each court has its own way it likes things done, including customized forms). For those of you in Southern California, we \'re hopeful that you contact us and give Los-Angeles-Bankrupcy.net the chance to help you with the Bankrupcy California Law. CONTACT A CALIFORNIA BANKRUPTCY LAWYER NOW San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bankrupcy California Law","Bankrupcy California Law","");arrFiles[136]=new Array("pasadena-burbank-bankruptcy.htm","Burbank Pasadena Bankruptcy Attorney Lawyer Glendale CA","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Links Search Site Map Find an attorney for: San Fernando Valley bankruptcy Ventura County bankruptcy Antelope Valley bankruptcy Pasadena / Burbank bankruptcy Orange County bankruptcy Santa Clarita bankruptcy Pasadena / burbank bankruptcy attorney Home > Geo > San Fernando Valley > Burbank / Pasadena Attorney Pasadena bankruptcy Pasadena, if you file bankruptcy, you will need to attend the bankruptcy court that is located in the San Fernando Valley or possibly Downtown Los Angeles. Our Pasadena bankruptcy attorneys know their way around the bankruptcy court. The harassing creditor phone calls and threatening letters from collection agencies can make your life miserable. Same thing for wage garnishment , foreclosure and car repossession . Get a skilled bankruptcy attorney to help you regain control. This is why, in Pasadena or South Pas, whether you live in San Marino or Altadena or Monrovia, when you need to get a hold of an attorney for a bankruptcy, we \'re the lawyers to turn to. Debt counseling in Pasadena with bankruptcy lawyers can help you get perspective on your problem. Maybe you should do nothing. Maybe you can negotiate. Maybe we can stop the wage garnishment. Maybe the solution is a fresh start. Either way, fill out the contact form and let a bankruptcy lawyer in Pasadena solve your financial problems. So, if you \'re in financial trouble and thinking about credit card debt consolidation or bankruptcy, you really need to contact an Pasadena bankruptcy lawyer right away. CONTACT US NOW FOR PASADENA BK HELP Burbank bankruptcy Burbank, if you file bankruptcy, you will need to attend the bankruptcy court that is located in the San Fernando Valley or possibly Downtown Los Angeles. Our Burbank bankruptcy attorneys know their way around the bankruptcy court. The harassing creditor phone calls and threatening letters from collection agencies can make your life miserable. Same thing for wage garnishment , foreclosure and car repossession . Get a skilled bankruptcy attorney to help you regain control. This is why, in Burbank or Silver Lake, whether you live in Toluca Lake or North Hollywood, when you need to get a hold of an attorney for a bankruptcy, we \'re the lawyers to turn to. Debt counseling in Burbank with bankruptcy lawyers can help you get perspective on your problem. Maybe you should do nothing. Maybe you can negotiate. Maybe we can stop the wage garnishment. Maybe the solution is a fresh start. Either way, fill out the contact form and let a bankruptcy lawyer in Burbank solve your financial problems. So, if you \'re in financial trouble and thinking about credit card debt consolidation or bankruptcy, you really need to contact an Burbank bankruptcy lawyer right away. CONTACT US NOW FOR BURANK BK HELP Glendale CA bankruptcy In Glendale CA, if you file bankruptcy, you will need to attend the bankruptcy court that is located in the San Fernando Valley or possibly Downtown Los Angeles. Our Glendale CA bankruptcy attorneys know their way around the bankruptcy court. The harassing creditor phone calls and threatening letters from collection agencies can make your life miserable. Same thing for wage garnishment , foreclosure and car repossession . Get a skilled bankruptcy attorney to help you regain control. This is why, in Glendale CA or Los Felizwhen you need to get a hold of an attorney for a bankruptcy, we \'re the lawyers to turn to. Debt counseling in Glendale CA with bankruptcy lawyers can help you get perspective on your problem. Maybe you should do nothing. Maybe you can negotiate. Maybe we can stop the wage garnishment. Maybe the solution is a fresh start. Either way, fill out the contact form and let a bankruptcy lawyer in Glendale CA solve your financial problems. So, if you \'re in financial trouble and thinking about credit card debt consolidation or bankruptcy, you really need to contact an Glendale CA bankruptcy lawyer right away. CONTACT US NOW FOR GLENDALE BANKRUPTCY HELP Helpful Consultation | Santa Clarita Bankruptcy | Ventura County Bankruptcy | Los Angeles Bankruptcy Court | Site Index We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Burbank Pasadena Bankruptcy Attorney Lawyer Glendale CA","Burbank Pasadena Bankruptcy Attorney Lawyer Glendale CA","");arrFiles[137]=new Array("orphans/Attorney-Antico-Old.pdf","Questionnaire","Bankruptcy QuestionnaireInstructionsComplete & Return to: Hale Andrew Antico Law Office of Hale A. Antico 18565 Soledad Canyon Rd., #177 Santa Clarita, CA 91351 661-250-0160Bankruptcy is a time honored practice that affords honest debtors the opportunity for a fresh start. Everyone filing a bankruptcy has experienced financial problems beyond his or her control. The court, trustees, and your attorney, understand this and if you comply with their instructions, they will help you out of your financial crisis. In order to help you get the relief to which you are entitled, you must make full disclosure of all your financial affairs. Do not try to second-guess the system -- it has been here longer than you. Be sure to put your name at the bottom of each page. The assets and debts pages also require you to number the pages. Assets. LIST ALL OF YOUR ASSETS. In all likelihood you will retain most, if not all, of your assets after the bankruptcy. Do not jeopardize your discharge by omitting anything. You can list assets by groups of similar property, e.g.  \"furniture \",  \"clothing \",  \"personal effects \", etc. Your attorney will tell you how large or small your groupings can be. Unless instructed otherwise by your attorney, do not fill in the parts surrounded by gray -- the attorney will fill in that part. If you own real estate, unless instructed otherwise, attach a copy of your legal description to these forms. (You can find your legal description on your deed, mortgage, purchase agreement, or tax statements). Debts. LIST ALL OF YOUR DEBTS. You may plan to repay some creditors, including relatives and friends, but you must nevertheless list them as creditors. Your attorney can discuss with you the procedure for  \"reaffirming \" a debt to a creditor or how to go about repaying your relatives or friends. If you have debts that are disputed, list them. If you have potential debts for which no one has yet made a direct claim against you, list them. If in doubt as to whether a creditor should be listed, list them. LIST ALL OF YOUR DEBTS. Failure to list a creditor can result in you not being discharged of your obligation to that creditor. You will be given several sheets with spaces for listing creditors. As with assets, unless instructed otherwise by your attorney, do not fill in the parts surrounded by gray. In determining the  \"fair market value \" of collateral, use the amount you could sell the collateral for, NOT what you paid for it. Executory Contracts. These are contracts such as leases, real estate contracts, health clubs, timeshares, etc., for which either or both parties to the contract have not yet fully performed their obligations under the contract. In all likelihood you should also list these parties as creditors too. Codebtors. Your codebtors are obligated to pay the debts you do not. For most people, a codebtor is just someone who cosigned a loan. However, partners, spouses and others who are not part of your petition may be liable on many of your debts without actually cosigning anything. If this is your situation you will need to attach additional sheets listing all debts for which someone else may be jointly liable. Income. If you are employed, attach a typical recent pay stub to the section on Income. If your income varies, attach several representative paystubs that show the range of your pay. If you are self-employed or you are a corporation or partnership, attach a financial statement showing your monthly income. Expenditures. Your ability to file a Chapter 12 or 13 reorganization depends upon the accuracy of your estimated living expenses. The Chapter 7 trustee scrutinizes budgets for abuse. The court, trustees, and your attorney know what a reasonable budget for families in your area is. If, after using your best efforts, you cannot determine what your expenses are, your attorney can give you some guidelines as to what is considered reasonable. If you are a partnership or a corporation, submit a financial statement indicating your monthly expenses. Individuals who are in business for themselves should include a detailed statement of their business expenses in addition to the personal expenses called for in this questionnaire.31748 -Inc.Software,HopeNew©1991-2003,Bankruptcy2003withonlyusefor isquestionnaireThisClient Name:___________________________________Filing Status (attorney use only ­ debtors go to next section)Domicile Pending case of affiliate Attached To be paid in installments As defined in 11 USC §101 §1121(e) election____Individual ____Joint ____Partnership ____Corporation ____Corporation (public) ____Municipality Other________________ ____Consumer ____Business Chapter_______ ____Single ____Married ____Divorced ____Separated ____Widow ____WidowerVenueFiling FeeSmall Bus. 11Atty Fee paid Petition dateAtty Fee promisedName, Address, IDDebtor (husband, if joint filing) Joint Debtor (wife, if joint filing)Full Name All other names used by you in the last 6 years (include married, maiden and trade names)31748 -Street Address (Number, street, city, state & zip) Inc.Software,HopeNewMailing address, if different from street address©1991-2003,County of residence or principal place of business Soc. Security No., Tax ID No. (If more than one, state all) Bankruptcy2003withonlyusefor isCase Caption (if other than debtors \' name(s))questionnaireThisClient Name:___________________________________Prior BankruptciesLocation where filed Case No Date filedLocation where filed Case No Date filedIf more than 2 prior bankruptcies, attach a continuationPending BankruptciesName of debtorList all pending bankruptcies filed any spouse, partner or affiliate Case NoDate filedDistrict Relationship JudgeName of debtor Case No Date filedDistrict Relationship JudgeEmploymentOccupation31748 -Debtor (husband, if joint filing) Joint Debtor (wife, if joint filing) Inc.Software,HopeName of Employer Employer \'s Address New©1991-2003,Bankruptcy2003How long employedwithonlyusefor isDependentsName Age Relationship questionnaireThisName Age RelationshipName Age RelationshipIf more than 3 dependents, attach a continuation sheetClient Name:___________________________________AssetsSummarize everything you own and its value below.reviewing the following items, be sure to follow any special instructions such as itemizing or providing further details in your description. How items are classified may affect what exemptions you are entitled to, so if you do not know how to classify a particular item, ask your attorney to help. Real Property______________________________________________________________________________________________ _________________________________________________________________________________________________________ Personal Property1. 2.Cash on hand__________________________________________________________________________________________ Checking, savings or other financial accounts, certificates of deposit, or shares in banks, savings and loan, thrift, building and loan, and homestead associations, or credit unions, brokerage houses, or cooperatives ________________________________If greater detail is required, your attorney may have attached additional sheets. In_________________________________________________________________________________________________________ 3. Security deposits with public utilities, telephone companies, landlords, and others.___________________________________ _________________________________________________________________________________________________________ 4. Household goods and furnishings, including audio, video, and computer equipment__________________________________ _________________________________________________________________________________________________________ _________________________________________________________________________________________________________ _________________________________________________________________________________________________________ 5. Books. Pictures and other art objects, antiques, stamp, coin, record, tape, compact disc, and other collections or collectibles _______________________________________________________________________________________________________ 6. Wearing apparel________________________________________________________________________________________ _________________________________________________________________________________________________________7. 8. Furs and jewelry________________________________________________________________________________________ Firearms and sports, photographic, and other hobby equipment____________________________________________________________________________________________________________________________________________________________ 9. Interests in insurance policies. Name insurance company of each policy and itemize surrender or refund value of each_______ _________________________________________________________________________________________________________ 10. Annuities. Itemize and name each issuer_____________________________________________________________________ 11. Interests in IRA, ERISA, Keogh, or other pension or profit sharing plans. Itemize____________________________________ 12. Stock and interests in incorporated and unincorporated businesses. Itemize_________________________________________ _________________________________________________________________________________________________________ 13. Interests in partnerships or joint ventures. Itemize_____________________________________________________________ 14. Government and corporate bonds and other negotiable and non-negotiable instruments________________________________ 15. Accounts receivable_____________________________________________________________________________________ 16. Alimony, maintenance, support, and property settlement to which the debtor is or may be entitled. Give particulars _________________________________________________________________________________________________________ 17. Other liquidated debts owing debtor including tax refunds. Give particulars________________________________________ _________________________________________________________________________________________________________ 18. Equitable or future interests, life estates, and rights or powers exercisable for the benefit of the debtor other than those listed in Schedule of Real Property.________________________________________________________________________________ 19. Contingent and noncontingent interests in estate or a decedent, death benefit plan, life insurance policy, or trust_____________ ______________________________________________________________________________________________________ 20. Other contingent and unliquidated claims of every nature, including tax refunds, counterclaims of the debtor, and rights of setoff claims. Give estimated value of each_________________________________________________________________________ __________________________________________________________________________________________________________ 21. Patents, copyrights, and other intellectual property. Give particulars________________________________________________ 22. Licenses, franchises, and other general intangibles. Give particulars________________________________________________ 23. Automobiles, trucks, trailers, and other vehicles and accessories___________________________________________________ __________________________________________________________________________________________________________ 24. Boats, motors, and accessories______________________________________________________________________________ 25. Aircraft and accessories___________________________________________________________________________________ 26. Office equipment, furnishings, and supplies___________________________________________________________________ 27. Machinery, fixtures, equipment, and supplies used in business____________________________________________________ __________________________________________________________________________________________________________ 28. Inventory______________________________________________________________________________________________ 29. Animals________________________________________________________________________________________________ 30. Crops - growing or harvested. Give particulars_________________________________________________________________ 31. Farming equipment and implements__________________________________________________________________________ 32. Farm supplies, chemicals, and feed___________________________________________________________________________ 33. Other personal property of any kind not already listed____________________________________________________________ ___________________________________________________________________________________________________________ ___________________________________________________________________________________________________________31748 -Inc.Software,HopeNew©1991-2003,Bankruptcy2003withonlyusefor isquestionnaireThisClient Name:___________________________________ Assets page 1 of______Description Location (if other than debtor \'s residence) Fair Market Value(List what you can sell it for, not what your paid for it)$Exemption amount claimed$ Lien holder Amountoflien(Circle one): Surrender Reaffirm Redeem Void RetainType of Property (If real estate enter  \"real \". Otherwise enter 1 ­ 33 from above list)_____Husband _____Wife _____Joint _____Community Exemption (Statute, if any)If there are liens on this item, list the name of each holder and the amount of his claim. If more than 3, attach a continuation sheet Lien holder Amount of lien$Amount of lien$Amount of lien$(Circle one): Surrender Reaffirm Redeem Void RetainLien holder (Circle one): Surrender Reaffirm Redeem Void RetainLien holder (Circle one): Surrender Reaffirm Redeem Void RetainDescription Location (if other than debtor \'s residence) Fair Market Value(List what you can sell it for, not what your paid for it)$Exemption amount claimed$Type of Property (If real estate enter  \"real \". Otherwise enter 1 ­ 33 from above list)_____Husband _____Wife _____Joint _____Community Exemption (Statute, if any)31748 -Inc.If there are liens on this item, list the name of each holder and the amount of his claim. If more than 3, attach a continuation sheetLien holder Amount of lien$Amount of lien$Amount of lien$Software,(Circle one): Surrender Reaffirm Redeem Void Retain HopeNewLien holder (Circle one): Surrender Reaffirm Redeem Void Retain©1991-2003,Lien holder (Circle one): Surrender Reaffirm Redeem Void RetainBankruptcy2003Description Location (if other than debtor \'s residence) Fair Market Value(List what you can sell it for, not what your paid for it)$Exemption amount claimed$withonlyusefor isType of Property (If real estate enter  \"real \". Otherwise enter 1 ­ 33 from above list)_____Husband _____Wife _____Joint _____Community Exemption (Statute, if any)questionnaireThisIf there are liens on this item, list the name of each holder and the amount of his claim. If more than 3, attach a continuation sheetLien holder Amount of lien$Amount of lien$Amount of lien$(Circle one): Surrender Reaffirm Redeem Void RetainLien holder (Circle one): Surrender Reaffirm Redeem Void RetainLien holder (Circle one): Surrender Reaffirm Redeem Void RetainClient Name:___________________________________ Assets page _______ of_______Creditor Name & Address OccupationDate IncurredAccount No.Sec \'d Circle One: RemarksClass Circle One: §507(a)(H W J) Unsec \'dCAmount Due $Assignee Name & Address Consideration____Contingent ____Unliquidated ____Disputed ____Codebtor ____Setoffs? ____Exec Contract ____Notice Only Amt entitled to priority $ Office Use Only Creditor No.Describe collateral (security) Fair Mkt Value$Nature of Lien Superior liens$Creditor Name & Address Occupation Date Incurred Class Circle One:Sec \'d Circle One: Remarks §507(a)( HAccount No.) Unsec \'dW J CAmount Due $Assignee Name & Address Consideration____Contingent ____Unliquidated ____Disputed ____Codebtor ____Setoffs? ____Exec Contract ____Notice Only Amt entitled to priority $ Office Use Only Creditor No.31748 -Inc.Software,HopeNewDescribe collateral (security) Fair Mkt Value$Nature of Lien Superior liens$ ©1991-2003,Bankruptcy2003Creditor Name & Address Occupation Date Incurred Class Circle One:Sec \'d Circle One: Remarks §507(a)( HAccount No.) Unsec \'dW J CAmount Due $Assignee Name & Address Consideration____Contingent ____Unliquidated ____Disputed ____Codebtor ____Setoffs? ____Exec Contract ____Notice Only Amt entitled to priority $ Office Use Only Creditor No. withonlyusefor isquestionnaireThisDescribe collateral (security) Fair Mkt Value$Nature of Lien Superior liens$ Debts page _______ of_______Client Name:___________________________________Creditor Name & Address OccupationDate IncurredAccount No.Sec \'d Circle One: RemarksClass Circle One: §507(a)(H W J) Unsec \'dCAmount Due $Assignee Name & Address Consideration____Contingent ____Unliquidated ____Disputed ____Codebtor ____Setoffs? ____Exec Contract ____Notice Only Amt entitled to priority $ Office Use Only Creditor No.Describe collateral (security) Fair Mkt Value$Nature of Lien Superior liens$Creditor Name & Address Occupation Date Incurred Class Circle One:Sec \'d Circle One: Remarks §507(a)( HAccount No.) Unsec \'dW J CAmount Due $Assignee Name & Address Consideration____Contingent ____Unliquidated ____Disputed ____Codebtor ____Setoffs? ____Exec Contract ____Notice Only Amt entitled to priority $ Office Use Only Creditor No.31748 -Inc.Software,HopeNewDescribe collateral (security) Fair Mkt Value$Nature of Lien Superior liens$ ©1991-2003,Bankruptcy2003Creditor Name & Address Occupation Date Incurred Class Circle One:Sec \'d Circle One: Remarks §507(a)( HAccount No.) Unsec \'dW J CAmount Due $Assignee Name & Address Consideration____Contingent ____Unliquidated ____Disputed ____Codebtor ____Setoffs? ____Exec Contract ____Notice Only Amt entitled to priority $ Office Use Only Creditor No. withonlyusefor isquestionnaireThisDescribe collateral (security) Fair Mkt Value$Nature of Lien Superior liens$ Debts page _______ of_______Client Name:___________________________________Creditor Name & Address OccupationDate IncurredAccount No.Sec \'d Circle One: RemarksClass Circle One: §507(a)(H W J) Unsec \'dCAmount Due $Assignee Name & Address Consideration____Contingent ____Unliquidated ____Disputed ____Codebtor ____Setoffs? ____Exec Contract ____Notice Only Amt entitled to priority $ Office Use Only Creditor No.Describe collateral (security) Fair Mkt Value$Nature of Lien Superior liens$Creditor Name & Address Occupation Date Incurred Class Circle One:Sec \'d Circle One: Remarks §507(a)( HAccount No.) Unsec \'dW J CAmount Due $Assignee Name & Address Consideration____Contingent ____Unliquidated ____Disputed ____Codebtor ____Setoffs? ____Exec Contract ____Notice Only Amt entitled to priority $ Office Use Only Creditor No.31748 -Inc.Software,HopeNewDescribe collateral (security) Fair Mkt Value$Nature of Lien Superior liens$ ©1991-2003,Bankruptcy2003Creditor Name & Address Occupation Date Incurred Class Circle One:Sec \'d Circle One: Remarks §507(a)( HAccount No.) Unsec \'dW J CAmount Due $Assignee Name & Address Consideration____Contingent ____Unliquidated ____Disputed ____Codebtor ____Setoffs? ____Exec Contract ____Notice Only Amt entitled to priority $ Office Use Only Creditor No. withonlyusefor isquestionnaireThisDescribe collateral (security) Fair Mkt Value$Nature of Lien Superior liens$ Debts page _______ of_______Client Name:___________________________________Executory ContractsName and address of PartyIf more than 3 executory contracts, attach additional sheets Description of ContractContract is a lease for NONRESIDENTIAL real property Government contract no., if anyName and address of Party Description of ContractContract is a lease for NONRESIDENTIAL real property Government contract no., if anyName and address of Party Description of ContractContract is a lease for NONRESIDENTIAL real property Government contract no., if any31748 -CodebtorsName and address of CodebtorInc.If more than 3 codebtors, attach additional sheets Creditor to whom Codebtor may be liableSoftware,HopeNew©1991-2003,Other names by which Codebtor is knownBankruptcy2003Name and address of Codebtor Creditor to whom Codebtor may be liable withonlyusefor isOther names by which Codebtor is known questionnaireThisName and address of Codebtor Creditor to whom Codebtor may be liableOther names by which Codebtor is knownClient Name:___________________________________Income (Individuals Only)MONTHLY SEMI-MONTHLY BI-WEEKLYWEEKLYYou get paid once each month....................................12 checks per year You get paid twice each month, e.g.1st & 15th.................24 checks per year You get paid every other week, e.g. every other Friday.....26 checks per year You get paid once each week......................................52 checks per yearIncome from your paystub Gross IncomeOther Monthly Income From your business From real property Interest & Dividends Alimony, child support Social Security, Government Assistance Pension or retirementfiling)joint ifEstimated Overtime Payroll Deductions Federal Income TaxState Income Tax(Husband, FICA/MedicareInsuranceIncome Union Dues Other, specifyDebtor \'s Other, specifyOther, specify Explain any anticipated increase or decrease in income of more than 10% in the next year.Other, specifyExpenditures (Individuals Only)Rent or Mortgage Insurance is included Taxes are included Utilities Electricity & Heat Water & Sewer Telephone31748 -Inc. InsuranceHomeownersSoftware,Life HopeNewHealth Auto©1991-2003,Bankruptcy2003Other, specify Home maintenanceOther, specify Taxes Installment pmts (not in plan) AutowithFood Clothingonlyusefor isquestionnaireOther, specify ThisLaundry & Dry CleaningMedical & Dental Expenses Transportation (Do NOT include car payments) Recreation Charitable contributionsOther, specify Alimony, maintenance, supportPayments for dependents Business expenses Other expenses (specify)Client Name:___________________________________Statement of Financial AffairsIf you are married and filing a joint petition, include information for both spouses. If you are married and plan to file under chapter 12 or 13 then you must furnish information for both spouses whether or not you plan to file a joint petition, unless you are separated and plan to file individually. If you are engaged in business as a sole proprietor, partner, family farmer, or self-employed professional, you should also provide the information requested on this statement concerning all such activities as well as yourAnswer all questions. If the answer to any question is  \"None, \" or the question is not applicable, mark the box labeled  \"None. \" If additional space is needed for the answer to any question, use and attach a separate sheet properly identified with the number of the question.REMEMBER, for all questions, if you are married and filing under chapter 12 or chapter 13 you must include information applicable to either or both spouses whether or not a joint petition is filed, unless you are separated and a joint petition is not to be filed.)1. Income from employment or operation of business State the gross amount of income you have received from employment, trade, or profession, or from operation of your business from the beginning of this calendar year to the present. State also the gross amounts received during the two years immediately preceding this calendar year. (If you maintain, or have maintained, financial records on the basis of a fiscal rather than a calendar year you may report fiscal year income. Identify the beginning and ending dates of your fiscal year) If a joint petition is to be filed, state income for each spouse separately.31748 -SOURCE (if more than one) FISCAL YEAR (if other than calendar year) Inc.(H)YEAR This year AMOUNTDebtorThis yearWife$ $ $ $ $ $ Software,HopeNew©1991-2003,Bankruptcy2003withonly2. Income other than from employment or operation of business State the amount of income received by you other than from employment, trade, profession, or operation of your business during the two years immediately preceding the filing of this case. Give particulars. If a joint petition is filed, state income for each spouse separately. usefor isquestionnaireThisYEAR AMOUNT SOURCE (give particulars)Debtor (H)Wife$ $ $ $Client Name:___________________________________Statement of Financial Affairs Page 1 of 9 (12 pages if  \"in business \")NONE3. Payments to creditors a. List all payments on loans, installment purchases of goods or services, and other debts, aggregating more than $600 to any creditor, made within 90 days immediately preceding the commencement of this case.NAME AND ADDRESS OF CREDITORDATES OF PAYMENTS AMOUNT PAID AMOUNT STILL OWINGNONEb. List all payments made within one year immediately preceding the commencement of this case to or for the benefit of creditors, who are or were insiders*. *The term  \"insider \" includes but is not limited to: your relatives; general partners and their relatives; corporations of which you are an officer, director, or person in control; officers, directors, and any person in control of a corporate debtor and their relatives; affiliates of yours and insiders of such affiliates; any managing agent of yours.31748 -Inc.Software,HopeNAME AND ADDRESS OF CREDITOR AND RELATIONSHIP TO DEBTOR DATES OF PAYMENTS AMOUNT PAID AMOUNT STILL OWING New©1991-2003,Bankruptcy2003withonlyusefor isquestionnaireThisStatement of Financial Affairs Page 2 of 9 (12 pages if  \"in business \")Client Name:___________________________________NONE4. Suits and administrative proceedings, executions, garnishments and attachments a. List all suits and administrative proceedings to which you are or were a party within one year immediately preceding the filing of this bankruptcy case.CAPTION OF SUIT AND CASE NUMBER NATURE OF PROCEEDING COURT OR AGENCY AND LOCATION STATUS DISPOSITION ORNONEb. Describe all property that has been attached, garnished or seized under any legal or equitable process within one year immediately preceding the filing of this bankruptcy case. 31748 -Inc.Software,NAME AND ADDRESS OF PERSON FOR WHOSE BENEFIT PROPERTY WAS SEIZED DATE OF SEIZURE DESCRIPTION AND VALUE OF PROPERTYHopeNew©1991-2003,Bankruptcy2003withonlyusefor isquestionnaireThisStatement of Financial AffairsClient Name:___________________________________NONE5. Repossessions, foreclosures and returns List all property that has been repossessed by a creditor, sold at a foreclosure sale, transferred through a deed in lieu of foreclosure or returned to the seller, within one year immediately preceding the commencement of this case.NAME AND ADDRESS OF CREDITOR OR SELLERDATE OF REPOSSESSION, FORECLOSURE SALE, TRANSFER OR RETURN DESCRIPTION AND VALUE OF PROPERTYNONEa.6. Assignments and receiverships Describe any assignment of property for the benefit of creditors made within 120 days immediatelypreceding the commencement of this case.NAME AND ADDRESS OF ASSIGNEE DATE OF ASSIGNMENT TERMS OF ASSIGNMENT OR SETTLEMENT 31748-Inc.Software,HopeNew©1991-2003,Bankruptcy2003NONEb. List all property which has been in the hands of a custodian, receiver, or court-appointed official within one year immediately preceding the filing of this bankruptcy case. withonlyusefor isNAME AND ADDRESS OF CUSTODIANNAME AND LOCATION OF COURT CASE TITLE & NUMBER DATE OF ORDER DESCRIPTION AND VALUE OF PROPERTYquestionnaireThisStatement of Financial Affairs Page 4 of 9 (12 pages if  \"in business \")Client Name:___________________________________NONE7. Gifts List all gifts or charitable contributions made within one year immediately preceding the commencement of this case, except ordinary and usual gifts to family members aggregating less than $200 in value per individual family member and charitable contributions aggregating less than $100 per recipient.NAME AND ADDRESS OF PERSON OR ORGANIZATION RELATIONSHIP TO DEBTOR, IF ANY DATE OF GIFT DESCRIPTION AND VALUE OF GIFTNONE8. Losses List all losses from fire, theft, other casualty or gambling within one year immediately preceding the commencement of this case or since the commencement of this case.DESCRIPTION AND VALUE OF PROPERTY DESCRIPTION OF CIRCUMSTANCE AND, IF LOSS WAS COVERD IN WHOLE OR IN PART BY INSURANCE, GIVE PARTICULARS DATE OF LOSS31748 -Inc.Software,HopeNew©1991-2003,NONE9. Payments related to debt counseling or bankruptcy List all payments made or property transferred by or on behalf of you to any person, including attorneys, for consultation concerning debt consolidation, relief under the bankruptcy law or preparation of a petition in bankruptcy within one year immediately preceding the commencement of this case or since the commencement of this case.NAME AND ADDRESS OF PAYEEDATE OF PAYMENT, NAME OF PAYOR IF OTHER THAN DEBTOR AMOUNT OF MONEY OR DESCRIPTION AND VALUE OF PROPERTYBankruptcy2003withonlyusefor isquestionnaireThisStatement of Financial Affairs Page 5 of 9 (12 pages if  \"in business \")Client Name:___________________________________NONEa.10. Other transfers List all other property, other than property transferred in the ordinary course of your business orfinancial affairs, transferred either absolutely or as security within one year immediately preceding the commencement of this case.NAME AND ADDRESS OF TRANSFEREE, RELATIONSHIP TO DEBTOR DATEDESCRIBE PROPERTY TRANSFERRED AND VALUE RECEIVEDNONE11. Closed financial accounts List all financial accounts and instruments held in your name or for your benefit which were closed, sold or otherwise transferred within one year immediately preceding the commencement of this case. Include checking, savings, or other financial accounts, certificates of deposit, or other instruments; shares and share account held in banks, credit unions, pensions funds, cooperatives, associations, brokerage houses and other financial institutions.NAME AND ADDRESS OF INSTITUTIONTYPE AND NUMBER OF ACCOUNT AND AMOUNT OF FINAL BALANCE AMOUNT AND DATE OF SALE OR CLOSING 31748 -Inc.Software,HopeNew©1991-2003,NONE12. Safe deposit boxes List each safe deposit or other box or depository in which you have or had securities, cash, or other valuables within one year immediately preceding the commencement of this case.Bankruptcy2003withonlyuseforNAME AND ADDRESS OF BANK OR OTHER DEPOSITORY NAME AND ADDRESSES OF THOSE WITH ACCESS TO BOX OR DEPOSITORY DESCRIPTION OF CONTENTS DATE OF TRANSFER OR SURRENDER, IF ANY isquestionnaireThisClient Name:___________________________________Statement of Financial Affairs Page 6 of 9 (12 pages if  \"in business \")NONE13. Setoffs List all setoffs made by any creditor, including a bank, against a debt or deposit of yours within 90 days preceding the commencement of this case.NAME AND ADDRESS OF CREDITORDATE OF SETOFF AMOUNT OF SETOFFNONE14. Property held for another person List all property owned by another person that you hold or control.NAME AND ADDRESS OF OWNER DESCRIPTION AND VALUE OF PROPERTY LOCATION OF PROPERTY31748 -Inc.Software,HopeNew©1991-2003,NONE15. Prior address of debtor If you have moved within the two years immediately preceding the commencement of this case, list all premises which you occupied during that period and vacated prior to the commencement of this case. If a joint petition is filed, also list any separate address of either spouse. ADDRESS NAME USED DATES OF OCCUPANCYBankruptcy2003withonlyusefor isquestionnaireThisStatement of Financial Affairs Page 7 of 9 (12 pages if  \"in business \")Client Name:___________________________________NONE16. Spouses and Former Spouses If the debtor resides or resided in a community property state, commonwealth, or territory (including Alaska, Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Puerto Rico, Texas, Washington, or Wisconsin) within the six-year period immediately preceding the commencement of the case, identify the name of the debtor \'s spouse and of any former spouse who resides or resided with the debtor in the community property state. NAME17. Environmental Information. For the purpose of this question, the following definitions apply:  \"Environmental Law \" means any federal, state, or local statute or regulation regulating pollution, contamination, releases of hazardous or toxic substances, wastes or material into the air, land, soil, surface water, groundwater, or other medium, including, but not limited to, statutes or regulations regulating the cleanup of these substances, wastes, or material.  \"Site \" means any location, facility, or property as defined under any Environmental Law, whether or not presently or formerly owned or operated by the debtor, including, but not limited to, disposal sites.  \"Hazardous Material \" means anything defined as a hazardous waste, hazardous substance, toxic substance, hazardous material, pollutant, or contaminant or similar term under an Environmental LawNONEa. List the name and address of every site for which the debtor has received notice in writing by a governmental unit that it may be liable or potentially liable under or in violation of an Environmental Law. Indicate the governmental unit, the date of the notice, and, if known, the Environmental Law:NAME AND ADDRESS NAME AND ADDRESS OF GOVERNMENTAL UNIT DATE OF NOTICE ENVIRONMENTAL LAW31748 -Inc.Software,HopeNew©1991-2003,NONEb. List the name and address of every site for which the debtor provided notice to a governmental unit of a release of Hazardous Material. Indicate the governmental unit to which the notice was sent and the date of the notice.SITE NAME AND ADDRESS NAME AND ADDRESS OF GOVERNMENTAL UNIT DATE OF NOTICE ENVIRONMENTAL LAWBankruptcy2003withonlyusefor isquestionnaireThisNONEc. List all judicial or administrative proceedings, including settlements or orders, under any Environmental Law with respect to which the debtor is or was a party. Indicate the name and address of the governmental unit that is or was a party to the proceeding, and the docket number.NAME AND ADDRESS OF GOVERNMENTAL UNIT DOCKET NUMBER STATUS OR DISPOSITIONStatement of Financial Affairs Page 8 of 9 pages (12 pages if  \"in business \")Client Name:___________________________________NONE18. Nature, location and name of business a. If the debtor is an individual, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and ending dates of all businesses in which the debtor was an officer, director, partner, or managing executive of a corporation, partnership, sole proprietorship, or was a self employed professional within the six years immediately preceding the commencement of this case, or in which the debtor owned 5 percent or more of the voting or equity securities within the six years immediately preceding the commencement of this case. If the debtor is a partnership, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and ending dates of all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities, within the six years immediately preceding the commencement of this case. If the debtor is a corporation, list the names, addresses, taxpayer identification numbers, nature of the businesses, and beginning and ending dates of all businesses in which the debtor was a partner or owned 5 percent or more of the voting or equity securities within the six years immediately preceding the commencement of this case.NAMETAXPAYER I.D. NUMBER ADDRESS NATURE OF BUSINESS BEGINNING AND ENDING DATES OF OPERATION31748 -Inc.Software,NONE Hopeb. Identify any business listed in response to subdivision a., above, that is  \"single asset real estate \" as defined in 11 U.S.C. § 101. NAME ADDRESS New©1991-2003,Bankruptcy2003withonlyusefor isquestionnaireThisStatement of Financial Affairs Page 9 of 9 pages (12 pages if  \"in business \") Client Name:___________________________________","null","null","");arrFiles[138]=new Array("orphans/bankruptcy_links.htm","Los Angeles Bankruptcy Links","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankruptcy Links Home > BK Info > Bankruptcy Links Site Index (incomplete) Home Bankruptcy Attorney Chapter 7 Bankruptcy Creditor Harassment Contact Bankruptcy Information Bankruptcy Chapter 13 Wage Garnishment Los Angeles Attorney California Bankruptcy Exemptions Stop Foreclosure Los Angeles Bankruptcy Court Filing Bankruptcy Personal Bankruptcy San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Los Angeles Bankruptcy Links","Los Angeles Bankruptcy Links","");arrFiles[139]=new Array("orphans/contact-is-broken.htm","Southern California Bankruptcy Ventura County Los Angeles Lawyer Attorney","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Contact a Bankruptcy Lawyer Contact a Los Angeles Bankruptcy Attorney now PLEASE CALL THE BANKRUPTCY HOTLINE: Call (888) 54-BK LAW Serving Los Angeles / Orange County / Ventura County From a perch just north of the San Fernando Valley, an attorney will meet you at an location at a AV , SFV , OC , VC location close to you (we \'ll come to you for a prepaid nominal fee). It \'s just one way of showing you that our lawyers want this process to be as easy for you as possible. Customer service is important to us . FRIDAY, NOV 10, 2006: DO NOT USE EMAIL FORM TODAY CALL INSTEAD: 888-54 BK LAW Name : SoCal Daytime Phone # : (xxx-xxx-xxxx) Best Time to Call : Email : City : Current monthly income : Briefly, what has led you to you considering filing bankruptcy?: San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. 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Santa Clarita Directory: Santa Clarita Santa Clarita Directory: Santa Clarita, including: news and media, real estate, society and culture, health, travel and tourism, education, weather, recreation and sports, arts and entertainment, business and economy... Resource 1. Dr. Elena Michaels Holistic Psychotherapy & Nutritional Therapy Dr. Elena Michaels is an expert in holistic psychotherapy, nutritional therapy and collaborative divorce. 2. Santa Clarita Real Estate – Valencia Real Estate – Stevenson Ranch Real Estate – Michael Feicco Specializing in Santa Clarita, California Real Estate, Valencia, Stevenson Ranch, Westridge, Saugus, Castaic, Newhall, Canyon Country, Acton and Aqua Dulce. Michael Feicco specializes in home buying and selling in Santa Clarita. We provide community and relocation information, free reports, home buying and selling tips, newsletters, and MLS search for Santa Clarita and surrounding areas. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","null","null","");arrFiles[142]=new Array("orphans/bankrupcy_california_law1.htm","Bankrupcy California Law","Bankrupcy California Law Bankrupcy under California law is really the same as other states \' Bankrupcy programs, witih some minor differences. You see, bankrupcy is governed by Federal law, and you \'ll be in federal court. So, if you \'re a CA resident, you \'ll want to file your California Bankrupcy in a Federal court in your local jurisdiction. Like most complicated and confusing things involving the law, you \'re probably best not trying this yourself, though you certainly can. It \'s probably better to work with a California Bankrupcy attorney who is licensed in your local district. However, one of the most important things to know about are the California Bankrupcy exemptions , as these can help you protect your property from your creditors. They are constantly changing by the state legislature, so check the law before filing Bankrupcy . If you are looking for a Los Angeles attorney , you \'re going to want someone familiar with the Los Angeles Bankrupcy court , and the local rules. (of course, this would hold true for your own jurisdiction -- in addition to Bankrupcy California law exemptions, each court has its own way it likes things done, including customized forms). For those of you in Southern California, we \'re hopeful that you contact us and give Los-Angeles-Bankrupcy.net the chance to help you with the Bankrupcy California Law. HOME","Bankrupcy California Law","Bankrupcy California Law","");arrFiles[143]=new Array("av/index.htm","Antelope Valley Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Antelope Valley Bankruptcy Home > Geo > Antelope Valley Why Lancaster bankruptcy lawyers to handle your Lancaster bankruptcy ? You really want professionals you can trust who are trained and with experience you can count on to help you with something that will shape your financial life for years to come. The Cost Quandary It \'s an age-old dilemma: \"If I had enough money to afford lawyers, I wouldn \'t need to file bankruptcy! \" While at first impression, this may make sense, if you think it through, there is a good justification for having an Lancaster bankruptcy lawyer help you. A skilled lawyer can save you much more money than you \'ll spend. And yes, our lawyers will work out affordable payment plans where you pay what you can, when you can. Affordable? It may sound counter-intuitive, but lawyers can be affordable, particularly if you are considering ditching a lot of debt. Payment plans can be arranged where you are receiving the full benefit of a lawyer to assist you and not cutting corners. Why Use Lawyers? While there are those that might consider to file bankruptcy on their own, there are many very good reasons why you should use bankruptcy lawyers. For a complex procedure that will impact your life for years to come, you really don \'t want to skimp on money and cut corners. You wouldn \'t skimp on a surgeon and hire some cut-rate paramedic to perform surgery on you, would you? Why would you want a discount paralegal to do something as major as a BK? A paralegal can \'t even give you cheap legal advice. For legal advice, you need lawyers. Anyone who is not a lawyer is practicing law without a license. Is that really the kind of \"help \" you want? Let \'s say your lawyers \' fees are around a grand for a chapter 7 bankruptcy. A skilled professional will assist you in finding California bankruptcy exemptions for your property and house, often up to many thousands of dollars. An lawyer will appear with you in court. They \'re fight for you if your creditors contend an issue or want you to give something back, or say that some major debt is non-dischargable. You don \'t want to be on your own, at that point. Or, lawyers can work out a Chapter 13 plan that fits your particular financial situation, often saving you $10,000s of money you \'d have to pay back in unsecured debt. Finally, only lawyers can give you legal advice about your situation; no one else can, not even those paralegal services. If they do, they \'re practicing law without a license... and do you really want someone like that \"helping \" you? Timing You don \'t want to wait too long. Delay will only lead to more creditor harassment and could lead to wage garnishment and put you in a situation where you \'ll need to stop foreclosure . So, don \'t delay, contact a skilled professional today. Contact bankruptcy lawyers for help today We can work out a payment plan so that this is an affordable bankruptcy. For a big deal like a bankruptcy, you really want Lancaster bankruptcy lawyers to help. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Antelope Valley Bankruptcy","Antelope Valley Bankruptcy","");arrFiles[144]=new Array("oc/index.htm","Orange County Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Orange County Bankruptcy Home > Geo > Orange county In Orange County, if you file bankruptcy, you will need to attend the bankruptcy court that is located in downtown Santa Ana. Our Orange County bankruptcy attorneys know their way around the bankruptcy court. The harassing creditor phone calls and threatening letters from collection agencies can make your life miserable. Same thing for wage garnishment , foreclosure and car repossession . Get a skilled bankruptcy attorney to help you regain control. This is why, in OC, whether you live in Anaheim or Tustin, Buena Park, Stanton, Cerritos, Newport Beach, Westminister, Brea, Irvine (or UCI), Costa Mesa, El Toro, Laguna Hills, Woods or Niguel, Fullerton, Lake Forest, Huntington Beach or Garden Grove, when you need to get a hold of an attorney for a bankruptcy, we \'re the lawyers to turn to. Debt counseling in Orange County with bankruptcy lawyers can help you get perspective on your problem. Maybe you should do nothing. Maybe you can negotiate. Maybe we can stop the wage garnishment. Maybe the solution is a fresh start. Either way, fill out the contact form and let a bankruptcy lawyer in Orange County solve your financial problems. So, if you \'re in financial trouble and thinking about credit card debt consolidation or bankruptcy, you really need to contact an Orange County OC bankruptcy lawyer right away. CONTACT AN ORANGE COUNTY BANKRUPTCY LAWYER RIGHT NOW San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Orange County Bankruptcy","Orange County Bankruptcy","");arrFiles[145]=new Array("sfv/apartments_and_san_fernando_valley.htm","Apartments and San Fernando Valley","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Apartments and San Fernando Valley Home > Geo > SAN FERNANDO VALLEY > APARTMENTS Apartments and San Fernando Valley are inexpensive and affordable housing. But think about it: , if you are looking for a place to rent in the Valley, chances are that you are having problems paying your bills and debts. That is where debt help comes in. Instead of just renting forever, ditch the credit card burden and start saving money to have your own home. 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Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Burbank CA apartments Home > Geo > Burbank > Apartments Burbank CA apartments are inexpensive and affordable housing. But think about it: , if you are looking for a place to rent in Burbank, chances are that you are having problems paying your bills. That is where debt help comes in. Instead of just renting forever, ditch the credit card burden and start saving money to have your own home. And then you can stop looking for Palmdale California Apartments in Antelope Valley and start living the dream of having your own house. Contact an expert now for a helpful consultation. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Burbank CA apartments","Burbank CA apartments","");arrFiles[147]=new Array("sfv/index.htm","San Fernando Valley Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test San Fernando Valley Bankruptcy Home > Geo > San Fernando Valley In the San Fernando Valley, if you file bankruptcy, you will need to attend at least one hearing at the bankruptcy court . Our San Fernando Valley bankruptcy attorneys know their way around the bankruptcy court in Woodland Hills. The harassing creditor phone calls and threatening letters from collection agencies can make your life miserable. Same thing for wage garnishment , foreclosure and car repossession . 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CONTACT A SAN FERNANDO VALLEY BANKRUPTCY LAWYER RIGHT NOW San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","San Fernando Valley Bankruptcy","San Fernando Valley Bankruptcy","");arrFiles[148]=new Array("sfv/san_fernando_valley_bus_route.htm","San Fernando Valley bus route","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? 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We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","san fernando valley bus route","San Fernando Valley bus route","");arrFiles[149]=new Array("sfv/san_fernando_valley_it_jobs.htm","san fernando valley it jobs","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test San Fernando Valley IT Jobs Home > Geo > San Fernando Valley > IT Jobs Times have been tough for the IT jobs market in the past few years. This has led to many San Fernando Valley IT professionals losing their jobs. A job loss can be very difficult, emotionally and financially. You use and then tap out the credit cards. The worst thing you \'d then want is to finally get a job,and to have a credit card garnish your wages . 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Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test \" );? Thank you for filling that out. Please start the bankruptcy quiz ... San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","null","Los Angeles Bankruptcy Attorney - Get a fresh start with bankrupcy today Los Angeles Bankruptcy Lawyers","");arrFiles[153]=new Array("test/index.php","Should I File Bankruptcy? Bankruptcy Test","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankruptcy Test The question many ask is: \"Is bankruptcy right for me and should I file bankruptcy? \" This quiz is intended to help answer those questions. By answering just a few questions, you \'ll know how many risk factors you have. It should be stressed: There are only a few questions, but answering all of them honestly and accurately will help you get the most out of your responses, and allow us to provide you with a fair assessment and action plan. Start over? You got it. We specialize in helping people start over! Try changing a factor to see how your score changes. You really are unique and deserve an attorney who will treat your case with the individuality and personal service it deserves. \" ;}? First off, do you live within a 1-hour drive from Los Angeles? yes | no Note: Please respect our copyright. To send people to this test, use the following URL: http://los-angeles-bankruptcy.net/test San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Should I File Bankruptcy? Bankruptcy Test, analize debt","Should I File Bankruptcy? Bankruptcy Test","");arrFiles[154]=new Array("test/index1.htm","Los Angeles Bankruptcy Lawyer Attorney in Southern California","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bankruptcy Test This page should refresh in 1 second. If not, go here . San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","null","null","");arrFiles[155]=new Array("test/should-i-file-bankruptcy-test-2.php","Chapter 7 File Bankruptcy Test","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankruptcy Test 1 | 2 | 3 | 4 | 5 | 6 | 7 What is Your Debt Load? Take your credit card balances and add them all up, whether you \'re current, charged off or somewhere in between. Add the balance of your debts that cannot be repossessed or foreclosed on. This will usually be just credit cards and judgments. Debt Load Amount &2=0 \" Under $7,000 &2=2 \" 7K - 15K &2=4 \" 15K-55K &2=6 \" Over 55K San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Chapter 7 File Bankruptcy Test","Chapter 7 File Bankruptcy Test","");arrFiles[156]=new Array("test/should-i-file-bankruptcy-test-3.php","Should I File BK?","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankruptcy Test 1 | 2 | 3 | 4 | 5 | 6 | 7 Ok. Now we \'re making progress. Regarding your credit cards, what is the state of them and their usage? Tell us about your credit cards &2= &3=0 \" Don \'t have any &2= &3=2 \" Used in past 30 days and am current with payments &2= &3=8 \" Used recently but not current &2= &3=6 \" Maxed out but current or almost current &2= &3=10 \" Maxed out and haven \'t paid in a while San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Should I File BK?","Should I File BK?","");arrFiles[157]=new Array("test/should-i-file-bankruptcy-test-4.php","Bankruptcy Quiz","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankruptcy Test 1 | 2 | 3 | 4 | 5 | 6 | 7 We \'re almost halfway done. Which -- if any -- of these events are part of your financial situation? (Note: if more than one apply, choose any one). Additional Financial Burdens &2= &3= &4=14 \" Lawsuits or Judgment (not garnished) &2= &3= &4=12 \" Wage Garnishment &2= &3= &4=10 \" Foreclosure or Car Repo &2= &3= &4=6 \" Back Taxes over 4 years old &2= &3= &4=0 \" None of These San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Bankruptcy Quiz","Bankruptcy Quiz","");arrFiles[158]=new Array("test/should-i-file-bankruptcy-test-5.php","Is Bankruptcy for Me","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankruptcy Test 1 | 2 | 3 | 4 | 5 | 6 | 7 If your credit card and other debt that you want to eliminate was gone tomorrow, would you be able to pay your monthly expenses? (rent, groceries, car payment, gas, etc) Without the debt, can you pay your monthly bills? &2= &3= &4= &5=8 \" No, I \'d still be short. &2= &3= &4= &5=4 \" Maybe, just barely &2= &3= &4= &5=1 \" Yes, no problem. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Is Bankruptcy for Me","Is Bankruptcy for Me","");arrFiles[159]=new Array("test/should-i-file-bankruptcy-test-6.php","Free Bankruptcy Tests","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Los Angeles Bankruptcy Test 1 | 2 | 3 | 4 | 5 | 6 | 7 Tell us about your phone call situation. Is your telephone your friend? Or are the creditors making you pretty much hide from it? Creditor Phone calls? &2= &3= &4= &5= &6=0 \" Nope. They don \'t call. &2= &3= &4= &5= &6=8 \" They \'re calling and annoying me &2= &3= &4= &5= &6=12 \" They \'re threatening legal action San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Free Bankruptcy Tests","Free Bankruptcy Tests","");arrFiles[160]=new Array("test/should-i-file-bankruptcy-test-7.php","Southern California Bankruptcy Quiz","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bankruptcy Test Results 1 | 2 | 3 | 4 | 5 | 6 | 7 Your score for the Los Angeles Bankruptcy Test is Disclaimer : the following is not legal advice, but general information meant to help you assess what your options are based on information you \'ve provided. You should consult with a local professional in your area about the specific and unique circumstances pertaining to your financial situation before making any decisions. Most attorneys will offer a helpful consultation, assess your specific circumstances and the work involved, and then provide you a quote for their services. Avoid cookie-cutters - you are unique. Will a bankruptcy benefit you and your situation? Under 15: LOW RISK: You seem to be in good shape. 15-25: POSSIBLY: A BK may help you. No serious legal problems yet, but unless you catch up, things \'ll only get worse. Call for a helpful consultation to stop the bleeding. 25-35: PROBABLY: It can \'t get much worse, but if continue to do nothing, it likely will. You really should contact us and let us help before your financial boat takes on more water. Stop procrastinating and start rebuilding with peace of mind. Over 35: DEFINITELY: Contact a bankruptcy attorney in your area ASAP! \"; } ? DEFINITELY: Contact us ASAP! You can \'t afford to wait! \"; } ? CONTACT A LOS ANGELES BANKRUPTCY LAWYER RIGHT AWAY (include your score) Interpreting your score: 15)) { echo \" Based on the information you provided, you should speak with an Attorney to determine if bankruptcy is the best option for you. \"; } ? 20) and ($HTTP_GET_VARS[ \'5 \']== \'1 \')) { echo \" You \'re a potential Chapter 13 bankruptcy candidate. Call us now and we \'ll explain why. \"; } ? CONTACT A LOS ANGELES BANKRUPTCY LAWYER RIGHT AWAY (include your score) Start Over San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","null","null","");arrFiles[161]=new Array("test/should-i-file-bankruptcy-test.htm","Los Angeles Bankruptcy Lawyer Attorney in Southern California","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Bankruptcy Test The question many ask is: \"Is bankruptcy right for me and should I file bankruptcy? \" This quiz is intended to help answer those questions. By answering just a few questions, you \'ll know how many risk factors you have. San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","null","null","");arrFiles[162]=new Array("test/should-i-file-bankruptcy-test-0.php","Los Angeles Bankruptcy Lawyer Attorney in Southern California","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Free Bankruptcy Test Should I File Bankruptcy? Before we begin, tell us just four things about you. You will not be added to any spam lists or have your private information divulged to anyone outside our law firm. Name: Email: Phone: Thanks for your cooperation. Our unique test will begin after you hit Submit \"It is my hope that you \'ll find my test very useful in your decision and research about bankruptcy help and debt relief. \" Attorney Antico San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","null","Los Angeles Bankruptcy Attorney - Get a fresh start with bankrupcy today Los Angeles Bankruptcy Lawyers","");arrFiles[163]=new Array("ventura/index.htm","Ventura County Bankruptcy","Los Angeles Bankruptcy Attorney Holiday Hangover: Consolidate the credit card minimum payments? Your Southern California Bankruptcy Lawyer Home Contact a Bankruptcy Attorney File Bankruptcy? Consumer Debt Articles \"Should I File Bankruptcy? \" Try Our Free Bankruptcy Test Ventura County Bankruptcy Home > Geo > San Fernando Valley In Ventura County, if you file bankruptcy, you will need to attend the bankruptcy court with you . Our Ventura County bankruptcy attorneys know their way around the bankruptcy court. The harassing creditor phone calls and threatening letters from collection agencies can make your life miserable. Same thing for wage garnishment , foreclosure and car repossession . Get a skilled bankruptcy attorney to help you regain control. This is why, whether you live in Camarillo, Fillmore, Moorpark, Ojai, Oxnard, Port Hueneme, Santa Paula, Simi Valley, Westlake Village, Thousand Oaks, Piru, Hidden Hills, Newbury Park, Agoura Hills, and of course, Ventura, when you need to get a hold of an attorney for a bankruptcy, we \'re the lawyers to turn to. So, if you \'re in financial trouble and thinking about credit card debt consolidation or bankruptcy, you really need to contact an Ventura County bankruptcy lawyer right away. CONTACT A VENTURA COUNTY BANKRUPTCY ATTORNEY RIGHT NOW San Fernando Valley bankruptcy | Pasadena / Burbank bankruptcy | Santa Clarita Bankruptcy Orange County bankruptcy | Ventura County bankruptcy | Antelope Valley bankruptcy Search | Links | Los Angeles Bankruptcy Court | Site Map We are a federally designated debt relief agency pursuant to Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code","Ventura County Bankruptcy","Ventura County Bankruptcy","");fileNum=164;