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 as they work to achieve financial independence through the 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.
Should you qualify for Chapter 7 bankruptcy, you will be able to eliminate most of your unsecured debt. Whereas a Chapter 13 bankruptcy filing helps via a 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 to make an appearance and explain 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.
My staff and I 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.
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.
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, or fill out the contact form.
I am a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.