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

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

Siskiyou County /ˈsɪskjuː/ siss-kew is a county located in the far northernmost part of the U.S. state of California, in the Shasta Cascade region on the Oregon border. Yreka is the county seat. Because of its substantial natural beauty, outdoor recreation opportunities, and Gold Rush era history, it is an important tourist destination within the state. The population was 44,900 at the 2010 census.

Siskiyou County was created on March 22, 1852, from parts of Shasta and Klamath Counties, and named after the Siskiyou mountain range. Parts of the county's territory were given to Modoc County in 1855.

The county is the site of the central section of the Siskiyou Trail, which ran between California's Central Valley and the Pacific Northwest. The Siskiyou Trail followed Native American footpaths, and was extended by Hudson's Bay Company trappers in the 1830s. Its length was increased by "Forty-Niners" during the California Gold Rush.

The origin of the word Siskiyou is not known. It may be Chinook word for a "bob-tailed horse," or as was argued before the State Senate in 1852, from the French Six Cailloux (six stones), a name given to a ford on the Umpqua River by Michel LaFrambois and his Hudson's Bay Company trappers in 1832. Others claim the Six Cailloux name was appropriated by Stephen Meek, another Hudson's Bay Company trapper who discovered Scott Valley, for a crossing on the Klamath River near Hornbrook.

Siskiyou County is geographically diverse. From towering Mount Shasta (elev. 14,179 ft/(4,322 m)) near the center of the county, to lakes and dense forests, as well as desert, chaparral, and memorable waterfalls, the county is home to world-famous trout-fishing rivers and streams, such as the Sacramento and McCloud Rivers. The county is dotted as well with lakes and reservoirs, such as Castle Lake and Lake Siskiyou. Mount Shasta itself has a winter sports center. Pastoral Scott Valley in the western part of the county has many wide, tree-lined meadows, supporting large cattle ranches. The basins of northeastern Siskiyou County, including Butte Valley, Lower Klamath and Tule Lake basins, have some of the deepest and richest soils in the state, producing alfalfa, potatoes, horseradish, and brewing barley. Butte Valley nurseries are the leading source of premium strawberry plants in North America. Much of the county is densely forested with pine, fir, incense-cedar, oak, and madrone; Siskiyou County is also home to the rare Baker's Cypress Tree, Cupressus bakeri, which grows in only eleven scattered locations in the world, five of which are in Siskiyou County. The county's natural resources are most often used these days for skiing, snowboarding, hiking, mountain biking, camping, and wilderness recreation, as historic logging practices have been largely discontinued due to Federal and State environmental regulations. The county’s water is viewed as sufficiently pure and abundant that the county is a source of significant amounts of bottled water, distributed throughout the country. A large Crystal Geyser plant is located at the base of Mt. Shasta, near Weed.

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