Chapter 7 Bankruptcy

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.

Contact us today at (619) 202-8976 to discuss your eligibility for Chapter 7 bankruptcy in Oceanside.

Why Hire The Sexton Law Firm?

  • 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
Attorneys Dedicated to Protecting Your Legal Rights

Awards & Accolades


5 Star Reviews

Learn Why Clients Trust Us
    They gave me outstanding service!

    “Andrew and his staff at James Sexton law firm are very courteous and professional when handling my bankruptcy. I was a little nervous going into this but came out feeling unstressed. I was given a ...”

    - Michael Harkiewicz
    From the very beginning, they were professional and very efficient in dealing with my case.

    “I was in a car accident back in July and got rear-ended because some guy was rushing on his way to work, you would think the guy would want to save more time by not filling out a police report and ...”

    - Jen Miller
    He allowed me to vent, responded accordingly, and return my text message as if we were friends.

    “Through this very difficult period in my life, I reached out to the Legal Aid Society and they assigned a Lawyer to assist me in filing for bankruptcy protection. Andrew Sexton took the time to speak ...”

    - Brian Powell
    I would highly recommend this law firm for anyone needing help!

    “The Sexton Law Firm was very helpful during the entire process. Andrew was very helpful and knowledgeable. However, Asia was the most helpful. She answered all my questions and relieved my worries ...”

    - Ginger Russ
    His council was well received, and it was honest.

    “I was referred to Mr. Andrew Sexton at a time of great need, confusion, and embarrassment. His council was well received, and it was honest, offered clarity, and calmed four shoulders worth of ...”

    - Chris Myers

Contact the Sexton Law Firm for a Free Consultation

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