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Bankruptcy

Chapter 7 Bankruptcy

If your debts are overwhelming and you see no end in sight, you may need to consider filing for Chapter 7 Bankruptcy. This is a powerful legal tool, but should not be taken lightly. Be sure your bankruptcy attorney is equipped to be able to inform you of all that is involved in the process.

OC Legal

The end result of the Chapter 7 Bankruptcy filing is to have a fresh start, with most of your debt obligations having been discharged in court. This can be a very effective tool, but it is not suited for everyone. The main object of filing a Chapter 7 Bankruptcy is to obtain a discharge of all your unsecured debts. Unsecured debts are things such as credit cards, and some judgments. When the court “discharges” it simply means that you do not have to pay off any of these debts, you are no longer responsible for them.

However, there are several types of debts which cannot be discharged through Chapter 7 filing: obligations such as child support, alimony and several others are not dischargable.

To discuss the particulars of your case contact OC Legal in Santa Ana at (714) 835-8866 to schedule your free initial consultation today. Sasha can make all the difference in the outcome of your legal case. You can rest assured that you will have the right representation to obtain the best and most favorable outcome with your legal matter.

Creditor Harassment

One of the most difficult times before you decide to file for bankruptcy is the constant contact by your creditors. The phone rings incessantly with a bill collector on the other end; every day the mailman brings more letters threatening legal action. It seems as if there is no hope, and no light at the end of the tunnel. You explain you have no money to pay right now, you try to bargain or put them off, but then what? Finally, you just don’t answer the phone anymore. That is no way to live – afraid of who is on the other end of the phone.

The Fair Debt Collection Practices Act was put into place by congress to assist you. The law specifies that a collector has to stop contacting you if you tell them to stop. It also states that your request must be in writing; therefore, you should tell them to stop calling you – both at home and at work. Then make sure to follow it up in writing. To be sure that you can prove they received your written request, you should send a certified letter.

To assist you during this trying time, you need the services of a caring and compassionate bankruptcy attorney. To discuss the particulars of your Chapter 7 Bankruptcy case contact OC Legal in Santa Ana at (714) 835-8866 to schedule your free initial consultation today. Sasha can make all the difference in the outcome of your legal case. You can rest assured that you will have the right representation to obtain the best and most favorable outcome with your legal matter.

Lawsuits

If your financial situation has gotten out of hand due to loss of a job, or a divorce, or perhaps high medical bills, you may have been threatened with having a lawsuit filed against you. The inability to pay your obligations can be very frustrating, but being threatened with a lawsuit can be downright frightening. Do you know the process a debt collector can legally proceed with? Are you aware of your rights under collection law?

If you are being threatened with a lawsuit due to unpaid bills, don’t just panic. You may have alternatives. Filing for Bankruptcy Protection under Chapter 7 may be one of them. If you have already been sued, and a judgement has been issued against you , there still may be options available to you. Filing for a Chapter 7 Bankruptcy can provide you relief from judgements for credit cards, medical bills, or other unsecured debt.

Lawsuits are serious business. Don’t go it alone. You need to contact a Chapter 7 Bankruptcy attorney to help you decide on the best path for you to get your financial house in order. OC Legal is a Bankruptcy Lawyer Practice in Orange County. To discuss the particulars of your case contact OC Legal in Santa Ana at (714) 835-8866 to schedule your free initial consultation today. Sasha can make all the difference in the outcome of your legal case. You can rest assured that you will have the right representation to obtain the best and most favorable outcome with your legal matter.