Oceanside Chapter 7 Bankruptcy Lawyer
Helping Clients in San Diego County File for Bankruptcy
If you are struggling with overwhelming debt, you have options. Bankruptcy is a legal process that can help you get a fresh start by eliminating or reducing your debts. The Sexton Law Firm can help you explore your options and guide you through the bankruptcy process.
Call The Sexton Law Firm today at (619) 202-8976 to discuss your options today.
What Is Chapter 7 Bankruptcy?
Chapter 7 is a form of bankruptcy that involves the liquidation of a debtor's non-exempt assets to pay back debts. This type of bankruptcy is often referred to as "straight bankruptcy" or "liquidation bankruptcy."
Chapter 7 bankruptcy is typically used by individuals, but can also be used by small businesses. Chapter 7 bankruptcy can be used to discharge:
- Unsecured debts, such as credit card debt and medical bills
- And some secured debts, such as a car or house
Chapter 7 is a good option for individuals who do not have significant assets and who have high levels of unsecured debt. It can be a good choice for individuals who do not want to deal with the monthly payments associated with a Chapter 13 repayment plan.
Chapter 7 Eligibility
To be eligible for Chapter 7 bankruptcy, you must pass a means test. This means test determines whether you have enough disposable income to repay your debts.
The Sexton Law Firm can help you determine your eligibility for Chapter 7 bankruptcy and can also help you determine if you are eligible to file for Chapter 13 bankruptcy.
If you have previously filed for bankruptcy, you may not be able to file for Chapter 7 for a minimum of eight years. Speak with a bankruptcy attorney at The Sexton Law Firm to help determine if you are eligible to file for Chapter 7.
The Sexton Law Firm Can Help You File for Chapter 7 Bankruptcy
The Sexton Law Firm can help you determine if Chapter 7 bankruptcy is right for you. We can also help you navigate the bankruptcy process, from start to finish.
Some of our services include:
- Providing legal counsel throughout the bankruptcy process
- Helping you determine whether you are eligible to file for bankruptcy
- Helping you gather and organize necessary paperwork for your bankruptcy
- Assisting you with any creditor meetings that are required
- Helping you determine which bankruptcy option is right for you
- Helping you file for bankruptcy
- Helping you develop and execute a debt repayment plan
- Providing guidance on how to handle tax debts
Bankruptcy can be a confusing and overwhelming process. The Sexton Law Firm can help you navigate the legal process and can help you get a fresh financial start.
Contact Our Oceanside Chapter 7 Bankruptcy Lawyer Today!
At the Sexton Law Firm, we will provide you with high-quality legal services in a compassionate and professional manner. Our team is here to help make this difficult process as easy as possible. We offer flexible payment plans for our clients so that they can afford the quality representation they deserve.
We Listen to Your Story and Create a Strategy to Achieve Your Goals
With offices in Chula Vista, Oceanside, and La Mesa, we serve clients throughout all of Southern California
We Offer Free Consultations - Regardless of the Legal Matter
We Offer Phone and Video Consultations For Your Safety and Convenience
We Are Bilingual and Serve Our Clients in English and Spanish
We Are a Family Owned and Operated Law Firm