Get Help from a Bankruptcy Attorney in Laguna Niguel CA
If you have never hired a Bankruptcy Attorney in Laguna Niguel CA before, you might not know what you should look for. If experience is vital to you, you’ll be happy to know that you’ve located one of Southern California’s most experienced bankruptcy law companies. After reading on to see how we may assist you, call Winterbotham Parham Teeple, a PC at 800.400.9000 to schedule a consultation.
Does Chapter 7 Bankruptcy Make the Most Sense in Your Case?
Chapter 7 is intended for debtors who are having trouble making ends meet and cannot pay their current debts. A “means test” is used to examine whether Chapter 7 bankruptcy should be allowed for debtors whose obligations are predominantly consumer debts.
Creditors have the right to submit a petition asking the court to dismiss your case if your income is higher than the median income for the state in which you live and the size of your family. The court will determine whether or not to dismiss the bankruptcy. Under Chapter 7, the majority of general unsecured debts, including credit card debt, are dischargeable.
Will You Benefit Most from Chapter 13 Bankruptcy?
The other main option that a bankruptcy attorney in Laguna Niguel CA might recommend is Chapter 13. This option, known as a debt adjustment bankruptcy, establishes you with a payment plan to repay some or all of the amount rather than allowing your debt to be discharged.
There are situations we might suggest Chapter 13. Some examples include situations in which clients want to pay all or part of their debt, they are behind on real estate, they want to stop foreclosure, they want to save their home, they want to protect non-exempt assets, or if their major debts are taxes, student loans, or child and spousal support.
Choose a Bankruptcy Attorney in Laguna Niguel CA That Offers a Number of Advantages
When you choose to work with Winterbotham Parham Teeple, a PC as your bankruptcy attorney in Laguna Niguel CA, you can count on a number of benefits. To begin with, you will gain from our vast experience.
We have helped upwards of 150,000 clients since our founding in 1978. You may rely on us to provide full-service care without charging you exorbitant prices. With us, you get low, low fees – and also get exceptional service and top satisfaction.
We Serve the Greater Los Angeles Area
To secure the best rights, remedies, and benefits available, our crew of senior paralegals, seasoned attorneys, and staff members work for you. We know the current law and we know how to determine the best debt relief options that your creditors will be required to accept and that courts are going to approve. If you live in any of these counties, we can help you: Los Angeles, Orange, Riverside, or San Bernardino. For a consultation with a bankruptcy attorney in Laguna Niguel CA, contact Winterbotham Parham Teeple, a PC at 800.400.9000.