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Rowland Heights Bankruptcy Attorney

Bankruptcy is an option to consider if you or your business is suffering from unrelenting debt. Many individuals and business owners elect to file because of unforeseen events like a natural catastrophe, the loss of a job because an employer moved overseas or you or a loved one suffered a catastrophic illness or injury. Call a Rowland Heights bankruptcy attorney at (888) 754-9877 to discuss how it may benefit you .

Rowland Heights bankruptcy attorneys handle all types of bankruptcy. Consumers and businesses may file for straight bankruptcy under Chapter 7 or elect Chapter 13 if an individual to avoid loss of valuable assets while repaying creditors. A Rowland Heights bankruptcy attorney will determine your eligibility.

Businesses have an opportunity to revive their struggling fortunes by reorganizing under Chapter 11 with the assistance of an experienced Rowland Heights bankruptcy attorney.

Don’t wait for debt to control your life or ruin it. Call a Rowland Heights bankruptcy lawyer today.

Chapter 7 Bankruptcy

Also called a straight bankruptcy, a Chapter 7 bankruptcy can enable Rowland Heights consumers to erase nagging credit card, medical bills, department store charges, personal loans and most payday loans.. A Chapter 7 Bankruptcy Lawyer will check your income and liabilities for eligibility and assets for exemptions.

If eligible, your Chapter 7 Bankruptcy Lawyer will have you complete a debt counseling class before filing a petition of your financial affairs. After filing, you and your Chapter 7 Bankruptcy Lawyer will attend a meeting with the trustee to review your petition. In most cases, there will be few material issues since your Chapter 7 Bankruptcy Lawyer will have resolved these prior to filing.

After you complete a financial management class arranged by your Rowland Heights bankruptcy lawyer, your case will be discharged a few months later.

Rowland Heights businesses that file must cease operations in most cases and have their assets sold and distributed to creditors in an orderly fashion.

Chapter 13 Bankruptcy

Rowland Heights individuals whose income does not qualify them for Chapter 7 or who can lose a home, auto or other substantial assets to straight bankruptcy can elect Chapter 13 if advised by a Chapter 13 Bankruptcy Attorney.

A Chapter 13 Bankruptcy Attorney drafts a repayment plan that pays back secured creditors first and those with priority such as a tax authority or recipient of alimony or child support. A foreclosure or property repossession can be stopped once you file and those arrearages included in the plan.

You make as single monthly payment to the trustee over 3 or 5 years. If an unforeseen event makes payment difficult, your Chapter 13 Bankruptcy Attorney may revise it.

Sole proprietors from Rowland Heights may file and include business debt in the plan if they personally guaranteed it.

Chapter 11 Bankruptcy

Corporations, LLCs and partnerships and even individuals may file for Chapter 11 reorganization. Businesses have a Chapter 11 Bankruptcy Lawyer prepare a reorganization plan to repay creditors over time. Creditors who are not to be paid in full vote on confirming a plan if they deem it feasible, filed in good faith, is fair and equitable and is beneficial to them.

If confirmed, the business continues its daily operations. Major business decisions to sell off assets, break contracts, enter into new leases and contracts and to seek investors or other financing must be court approved. A Chapter 11 Bankruptcy Lawyer keeps the court informed with progress reports.

Small businesses can bypass some of the formalities but will be under stricter court supervision. While many businesses are sold, merge with others or convert to Chapter 7, numerous businesses do succeed. See a Rowland Heights bankruptcy lawyer about how Chapter 11 works.

Call a Rowland Heights bankruptcy lawyer at (888) 754-9877 to discuss bankruptcy as a possible solution to your debt issues.

Rowland Heights, CA 91748
(888) 754-9877