ITS TIME FOR A FRESH START

 

ARE YOU DROWNING IN DEBT? 

ARE YOUR WAGES BEING GARNISHED? 

ARE YOU IN FORECLOSURE?


IF YOU'VE ANSWERED YES TO ANY OF THESE

QUESTIONS THEN WE CAN HELP YOU NOW

 

DID YOU KNOW THAT YOU CAN FILE BANKRUPTCY ON YOUR CREDIT CARD DEBT, STOP WAGE GARNISHMENTS AND COLLECTIONS?

Yes.  Bankruptcy provides the path for you to reset your financial life.  This is why we refer to it as getting a "Fresh Start".

 

DID YOU KNOW THAT BANKRUPTCY WILL STOP THE BANK FROM FORECLOSING ON YOUR HOME?  

Yes.  You can force the Bank to accept a repayment plan of your past due mortgage payments and there's nothing the Bank can do to stop it.  You repay what you owe to the Bank over sixty (60) months.  The rest of your unsecured debt is "packaged" into a payment that you can afford - and you only repay what you can actually afford to pay which can be a fraction of your outstanding balances.  And, the credit card companies can no longer charge their high interest rates and continue to rip you off.  

 

DID YOU KNOW THAT YOU CAN KEEP YOUR CAR!  

Yes.  Reaffirming (also known as remaining responsible on the debt) on your car loan and keeping it “as is,” is very rarely your best option.  Instead, we can lower your monthly car payments, re-establish your credit and you’ll only owe what your car is worth.

 

Federal Law allows you to Refinance your car loan or replace your car with new or used, low mileage vehicle. On the other hand, if you like your car and you choose to refinance it then you can keep it and pay only what it is currently worth and not what you owe.

 

Bankruptcy provides you with needed relief and gives you a true “fresh start” in life.  Your initial consultation is Free. You have nothing to lose and everything to gain.  Call us now - (310) 575-1175 or send us an email: This email address is being protected from spambots. You need JavaScript enabled to view it.

Surviving Your Chapter 7 - 341(a) Meeting of Creditors Hearing

 

Your Chapter 7 Meeting of Creditors hearing will likely be your only ‘court’ appearance in your case.

The good news is that Chapter 7 hearings are usually conducted in an informal setting such as an office building.

There is no Bankruptcy Judge present except the Chapter 7 Trustee which is usually a lawyer or other professional. The Chapter 7 Trustee is not there to trick you or to cause you any distress; however, they are there to make sure your paperwork is in full compliance.

We advise our bankruptcy clients to get to the location at least one hour before their scheduled hearing time because if you are late, you could miss your hearing which could result in the dismissal of your case or we will have to make another appearance, and we will ask you for additional fees.

Once you arrive at the hearing you will check in and present your Driver’s License and Social Security Card and then you will wait to be called.

You will be sworn in, and your testimony will be recorded. Now, the following are some examples of questions that you may be asked:

    • State your name, address, and telephone number;
    • Did you consult or meet with your attorney to furnish the information contained in your Bankruptcy Schedules?
    • Was the information you provided true and correct then?
    • Is the information true and correct now? If not, please identify any changes.
    • Did you read your paperwork before they were filed in Court?
    • Do you own any property at the present time?
    • Have you filed your state and federal tax returns? A. Are you delinquent on your taxes? If so, how much?
    • Are you planning on reaffirming any of your personal property such as your car?
    • Do you owe any child or spousal support?
    • Has anyone in your family pasted away within the last year or do you expect any inheritance with the next 12 months from a will or trust?
    • Are you planning on surrendering any of your property back to a creditor? If so, what property?
    • Have you disclosed all of your assets in your paperwork?
    • Have you disclosed all of your liabilities in your paperwork?
    • What is your monthly income? What are all of the sources of your income?
    • Who contributes monies to your household, if any? If so, how much?
    • Do you own any businesses outside your regular employer? If so, what?

It is critical that you disclose everything to us before we file your bankruptcy paperwork.

We look forward to speaking with you to discuss your situation at 310-575-1175 or 877-LAW-1542.

 

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