Michael Koch, Esq. Lockhart, Britton & Koch
Michael Koch, Esq. Lockhart, Britton & Koch
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A Friendly Attorney Who Takes The Fear Out Of Bankruptcies And Estate Planning
Call Us Today

Due to precautions related to COVID-19, we have expanded our options for remote consultations. Please contact our office to discuss whether a full phone consultation or video conference is appropriate for your situation.

Finding A New Start By Filing Chapter 7 Bankruptcy

Chapter 7 bankruptcy can provide relief and a fresh financial start for those facing overwhelming debt. This process provides a means to eradicate such debt and look forward to a brighter future.

I am attorney Michael Koch. Since 1987, I have assisted individuals and families achieve financial independence through use of tools such as Chapter 7 bankruptcy. I help those I represent understand the bankruptcy process, and let them know whether Chapter 7 is a viable option for them.

Guiding You Through The Chapter 7 Legal Process

Should you qualify for Chapter 7 bankruptcy, you will be able to eliminate most unsecured debt. Whereas a Chapter 13 bankruptcy filing helps in reorganization of debt, Chapter 7 bankruptcy entirely removes the obligation of paying back specific sorts of debt.

The Chapter 7 process can prove complex, however, and it is important to fill out all paperwork correctly. The process involves petitioning the bankruptcy court and providing documentation concerning your financial affairs. It will require you making an appearance and explaining your financial circumstances. Before qualifying for Chapter 7, you will need to undergo a means test. The means test is a set of criteria under the federal bankruptcy code.

I and my staff will help you put your paperwork in order, file a petition on your behalf, and be there with you when the bankruptcy hearing takes place. Having helped California residents file for bankruptcy for three decades, I understand what the bankruptcy court is looking for in Chapter 7 filings. When filing your petition, I will make certain all applicable debts are included. I pay close attention to every detail, and make certain the paperwork you submit meets all applicable requirements.

Deciding Whether To File Chapter 7 Bankruptcy

When eligible to file, the debt relief Chapter 7 provides can prove invaluable. By filing Chapter 7, you can rid yourself of calls and threatening letters from creditors. With the money you save, you can focus on paying for your children’s education and making your mortgage payments. Chapter 7 can relieve you from medical expenses due to disabling injury or illness.

Personalized Attention From A Bankruptcy Lawyer

To learn more about Chapter 7 bankruptcy and to discuss your situation in detail during a free initial consultation, please call Michael Koch, Esq. Lockhart, Britton & Koch, in La Mesa, at 619-299-2199 or fill out our contact form.

I am a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.