Los Angeles Bankruptcy Attorneys

A Chapter 7 Bankruptcy consists of discharging one's unsecured debts, such as: credit card debt or any debt where there is no collateral. It includes the ability to protect a certain amount of one's assets.

People often wonder if they qualify for a Chapter 7 Bankruptcy. Qualification depends on whether you pass the means test. According to the new law,  if your gross annual income falls under a certain amount, depending on the number of people in your household, you can file for a Chapter 7 Bankruptcy.

If you feel you need to file for Chapter 7 Bankruptcy, please contact our law firm and make an appointment for a free consultation. Our Los Angeles Bankruptcy Attorneys will determine if you pass the means test and then brief you on what needs to be done to file for bankruptcy. This is an area of full representation.

Filing a Chapter 7 Bankruptcy can do the following:

• Wipe out most of your unsecured debt (credit card bills) or loans, civil lawsuits and/or medical bills.
• Stop harassment by credit card companies
• Stop any collection efforts by most creditors
• Protect your home and personal property
• Stop any attempt to garnish wages

Legal Action Workshop has successfully handled thousands of Chapter 7 Bankruptcies throughout our years of operation. If filing bankruptcy is the right option for you, we can help you do so for an affordable, flat fee.

What if You Don't Qualify for a Chapter 7 Bankruptcy?

Then a Chapter 13 Bankruptcy may make sense for you.

Legal Action Workshop offers a free consultation to determine if a Chapter 13 Bankruptcy is right for you.  To find out whether it would be in your interest to file a Chapter 13 Bankruptcy, please contact a Legal Action Workshop Chapter 13 Bankruptcy lawyer at 888-545-2286.

The purpose of a Chapter 13 Bankruptcy is to help individuals who do not qualify for a Chapter 7 Bankruptcy or who may qualify, but want to save their home when they are behind on their mortgage payments.  A Chapter 13 may allow up to 3 to 5 years to pay off the mortgage amount. In addition, it may also reduce your overall unsecured debt, such as credit card debt, and allow the reduced debt to be paid off over 3 to 5 years.  This is an area of full representation.

Many people who have fallen behind in the payment of a mortgage could be helped by this type of bankruptcy.  A Chapter 13 Bankruptcy would allow you to keep your home, while at the same time pay off the delinquent mortgage payments at a reasonable rate. 

In addition, people who have credit card debt or are behind in their mortgage payments, yet make more money than the 'means test' allows, would benefit from this type of bankruptcy. 

The Chapter 13 attorneys at Legal Action Workshop will help determine the amount of money you can pay back over an agreed upon number of years. Please call us for a free consultation for a Chapter 13 Bankruptcy.

Contact us or Call Now 1-888-LgL-ACTN (1-888-545-2286)