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

If you are struggling financially and looking to speak with a San Bernandino 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.

Need immediate assistance? Contact us now!
Toll Free 1(888) 754-9877
Available 7 Days a Week 7am to 9pm
36 LOCATIONS IN CALIFORNIA

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 San Bernandino County

San Bernardino County is a county located in the southern portion of the U.S. state of California. As of the 2010 U.S. Census, the population was 2,035,210, up from 1,709,434 in the 2000 census. With an area of 20,105 square miles, San Bernardino County is the largest county in the United States by area. It is larger than each of the nine smallest states, larger than the four smallest states combined, and larger than 71 different sovereign nations.

Located in southeast California, the thinly populated deserts and mountains of this vast county stretch from where the bulk of the county population resides in two Census County Divisions, some 1,422,745 people as of the 2010 Census, covering the 450 square miles (1,166 km2) south of the San Bernardino Mountains in San Bernardino Valley, to the Nevada border and the Colorado River.

The county seat is San Bernardino. The county is considered part of the Inland Empire region.

Father Francisco Dumetz named San Bernardino on May 20, 1810, feast day of St. Bernardino of Siena. San Bernardino County was formed in 1853 from parts of Los Angeles County. Parts of the county's territory were given to Riverside County in 1893.

The Franciscans gave the name San Bernardino to the snowcapped peak in Southern California, in honor of the saint and it is from him that the county derives its name.

San Bernardino County is part of the Inland Empire area of Southern California, which also includes Riverside County. At just over 20,000 square miles (52,000 km2), San Bernardino County is slightly larger than the states of New Jersey, Connecticut, Delaware and Rhode Island combined. It is the largest county in the United States (Alaska has boroughs). It is the only county in California bordered by both Nevada and Arizona, and is one of only two counties in California bordering more than one U.S. state (the other being Modoc County, bordering Nevada and Oregon in the northeast corner of the state).

more ...



Need Help? Call: 1-888-754-9877

The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information on this website is not intended to create, and receipt or viewing of this information does not constitute, an attorney-client relationship.

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.