Carlsbad, CA
Bankruptcy and debt Lawyer at Carlsbad, CA
Practice Areas: Bankruptcy & Debt, Chapter 13 Bankruptcy ... +2 more
First Step Usually upon hiring bankruptcy counsel, cease and desist notices are generated and sent to creditors advising them of the representation, and informing them to cease any and all contact wi...
See Full GuideChapter 7 In a Chapter 7 case, an omitted creditor is still discharged in the bankruptcy provided the case is a “no asset” case. A no asset case is one where there are no assets available to liquida...
See Full GuideWhat to Expect Approximately 30 days from the date the bankruptcy petition is filed, a meeting of creditors is held. The purpose of the meeting is so the Trustee can examine the debtor under oath to...
See Full GuideChapter 7 Trustee Generally speaking, the role of the Trustee in a Chapter 7 case is to review the bankruptcy schedules to determine whether there is any property available to be liquidated for the b...
See Full GuideChapter 7 Also called a “straight bankruptcy”, chapter 7 involves the liquidation of non-exempt assets for the benefit of creditors. Most chapter 7 cases are considered “no asset” cases meaning ther...
See Full GuideExemptions Bankruptcy law allows debtors to use certain exemptions to protect property, both real and personal. Most debtors are able to keep the property they own because its value or available equ...
See Full GuideDebt Consolidation Debt consolidation is a process whereby creditor’s generally agree to reduce interest rates and accept a smaller monthly payment so that all creditors can be dealt with in a single...
See Full GuideConsider the Following- Debtor A Debtor “A” is a cashier who makes $32k per year, and as a result of being out of work off and on for the last year, has accumulated $86k in unsecured credit card debt...
See Full GuideWage Garnishment If you are employed as a W-2 employee, a judgment creditor can attempt to garnish your wages to pay off the judgment amount. Under a wage garnishment, your employer is served an ord...
See Full GuideChapter 7 In a chapter 7 bankruptcy, debtors can take advantage of section 722 of the Bankruptcy Code, also known as redemption. Under section 722, a debtor may redeem personal property intended pri...
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