California Bankruptcy Attorney - Expert Personal and Corporate Bankruptcy Lawyers serving California.

If you are struggling financially and looking to speak with a California bankruptcy attorney, you've come to the right place. The Attorney Group can help you eliminate your credit card debt, pay day loans, personal loans, medical bills and other bills and debt. We will stop lawsuits, stop garnishments, stop, bank account levies, stop judgments and stop foreclosures. We have 36 locations to meet you in California.

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A bankruptcy is an opportunity for many debtors to be relieved of constant harassing phone calls from creditors and collection agencies, the threat of lawsuits, levies, seizures and impending foreclosure. Though you should definitely explore other options to getting your debt under control, consulting with a bankruptcy attorney to see if a bankruptcy might be your best option, to determine if you qualify for relief and which chapter is appropriate based on your particular circumstances is essential.

There are many misconceptions regarding bankruptcy. As a consumer or small business owner, you have the option of a Chapter 7 liquidation or a Chapter 13 reorganization.


Chapter 7 Liquidation

Chapter 7 can be utilized by individuals, married couples, businesses and corporations. It is a liquidation of your debts and possible relinquishment of certain assets if found to be nonexempt. In most consumer and small business cases, however, you are able to retain most if not all of your personal assets. Also, filing automatically stays or stops all collection activities.

You do have to qualify for a Chapter 7 proceeding if your debts are primarily consumer and not business by proving that your income is low enough so that you cannot pay your debts. Your monthly income must be lower than the median income for your state. In California, the median income for a single individual is $47,798 and for two, $62,009. Otherwise, your disposable income must be low enough to qualify. This is determined by deducting your monthly expenses from your average monthly income over the past 6 months. If it is too high, you may still consider a Chapter 13 petition.

In any bankruptcy, you must list all of your debts, regardless if you plan on repaying a certain debt or not. You must also have not transferred any substantial property within 90 days of filing or within one year if such transfer was made to a relative or business partner or the court can void it. A list of your monthly expenses and assets is also required.

You are entitled to certain exemptions regarding your personal assets so that the trustee will not seize them for the benefit of your creditors. For example, you can exempt a motor vehicle, much if not all of your home equity, retirement accounts, bank accounts, furniture, tools of your trade and other items. Consult with our expert bankruptcy lawyer about what exemptions are available to you.

You must also take an approved credit counseling class before filing and a personal financial management class before your discharge. Most discharges occur about 4 months after you file. Your unsecured debts, such as credit cards and medical expenses, are dischargeable.

Chapter 13 Reorganization

If your disposable income is too high, or if you wish to continue operating your small business, or you face foreclosure of your home, then a Chapter 13 is an option. You must have a steady income, though, so that your debts, to some degree, are paid within either a 3 or 5 year plan. There are limits to the amount of secured and unsecured debt you have. Consult with your attorney if your debt is unusually high. The length of your repayment plan depends on your income. If it exceeds the state’s median, your plan will likely be 5 years.

A chapter 13 can save your home from foreclosure provided you can make your regular monthly mortgage payments while repaying your arrearages over the life of the plan. Any second mortgage would be discharged at the termination of the plan if all is otherwise successful. Further, you can have past due taxes, student loans and child support payments paid off within the plan as well.

Bankruptcy protection might be the relief you are seeking. Consult with an experienced bankruptcy attorney about your particular circumstances and to see if filing for bankruptcy is the right decision for you.

CALIFORNIA
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About California

California is a state located on the West Coast of the United States. It is the most populous U.S. state, home to 1 out of 8 Americans, and is the third largest state by area (after Alaska and Texas). It is home to the nation's second and fifth most populous census statistical areas (Greater Los Angeles area and San Francisco Bay Area, respectively), and eight of the nation's 50 most populated cities (Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, and Oakland). The capital city is Sacramento.

California is bordered by Oregon to the north, Nevada to the east, Arizona to the southeast, and Baja California, a state of Mexico, to the south. California's diverse geography ranges from the Pacific Coast in the west, to the Sierra Nevada in the east – from the Redwood–Douglas-fir forests of the northwest, to the Mojave Desert areas in the southeast. The center of the state is dominated by the Central Valley, a major agricultural area. California contains both the highest and lowest points in the contiguous United States (Mount Whitney and Death Valley), and has the 3rd longest coastline of all states (after Alaska and Florida). Earthquakes are a common occurrence due to the state's location along the Pacific Ring of Fire: about 37,000 are recorded annually.

The name California once referred to a large area of North America claimed by Spain that included much of the modern-day Southwestern United States and the Baja California peninsula. Beginning in the late 18th century, the area known as Alta California, comprising the California territory north of the Baja Peninsula, was colonized by the Spanish Empire as part of New Spain. In 1821, Alta California became a part of Mexico following its successful war for independence. Shortly after the beginning of the Mexican-American War in 1846, a group of American settlers in Sonoma declared an independent California Republic in Alta California. Though its existence was short-lived, its flag became the precursor for California's current state flag. American victory in the war led to the Treaty of Guadalupe Hidalgo, in which Mexico ceded Alta California to the United States. Western areas of Alta California became the state of California, which was admitted as the 31st state on September 9, 1850.

The California Gold Rush beginning in 1848 led to dramatic social and demographic change, with large scale immigration from the U.S. and abroad and an accompanying economic boom. Key developments in the early 20th century included the emergence of Los Angeles as the center of the American entertainment industry, and the growth of a large, state-wide tourism sector. The late 20th century saw the development of the technology and information sectors, punctuated by the growth of Silicon Valley (part of the San Francisco Bay Area). California's prosperous agricultural industry also emerged; at least half of the fresh fruit produced in the United States are now cultivated in California, and the state also leads in the production of vegetables. Other important contributors to its economy include aerospace, education, and manufacturing. If California were a country, as of 2012 it would have been the 9th largest economy in the world and the 34th most populous nation.

Settled by successive waves of arrivals during the last 10,000 years, California was one of the most culturally and linguistically diverse areas in pre-Columbian North America. Various estimates of the native population range from 100,000 to 300,000, which was about one-third of all native Americans in what is now the United States. The Indigenous peoples of California included more than 70 distinct groups of Native Americans, ranging from large, settled populations living on the coast to groups in the interior. California groups also were diverse in their political organization with bands, tribes, villages, and on the resource-rich coasts, large chiefdoms, such as the Chumash, Pomo and Salinan. Trade, intermarriage and military alliances fostered many social and economic relationships among the diverse groups.

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LOCATION DISCLAIMER: The Attorney Group has a main office in Anaheim Hills, California. All other addresses are local offices available on an advanced appointment basis for meetings and depositions.