Napa County Bankruptcy Attorney - Expert Personal and Corporate Bankruptcy Lawyers serving Napa County, California.

If you are struggling financially and looking to speak with a Napa County 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.


About Napa County

Napa County is a county located north of San Pablo Bay in the U.S. state of California. It is officially one of the nine San Francisco Bay Area counties, and one of four North Bay counties. The county is coterminous with the Napa, California, Metropolitan Statistical Area. As of the 2010 census the population is 136,484. The county seat is Napa. Napa County was one of the original counties of California, created in 1850 at the time of statehood. Parts of the county's territory were given to Lake County in 1861.

Napa County, once the producer of many different crops, is known today for its regional wine industry, rising to the first rank of wine regions with France by local winery Chateau Montelena winning the "Judgment of Paris" in 1976.

The Town of Napa was founded on Rancho Entre Napa by Nathan Coombs in 1847.

Napa County was formed and became one of the original California counties when the state became part of the United States in 1850.

Napa is warmer in the summer than Sonoma County to the west or Santa Barbara County, a wine-producing county in southern California. Thus, the Napa wineries favor varietals such as Cabernet Sauvignon, while Pinot noir and Chardonnay are more the specialty of Sonoma wineries and Santa Barbara wineries. At the north end of Napa County, in the Mayacamas Mountains, lies Mount Saint Helena, the Bay Area's second tallest peak at 4,344 feet (1,323 m) and home to Robert Louis Stevenson State Park; Snell Valley is also situated in northern Napa County; the Missimer Wildflower Preserve is within Snell Valley. At the west side of the Napa Valley is Hood Mountain, elevation 2,750 feet (838 m).

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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.