Whittier Chapter 7, Chapter 11, and Chapter 13 Bankruptcy Attorney
Dedicated Help With Debt Relief
Choosing the person who will help guide you through the bankruptcy process is not a decision that should be made lightly. It is important to ensure that everything gets done properly the first time around so you do not run into problems in the future. At the Law Offices of Nicholas Gebelt, our Whittier Chapter 7, Chapter 11, and Chapter 13 bankruptcy lawyer is a skilled practitioner who understands the subtleties of bankruptcy law, and can help you avoid unnecessarily losing your assets, or jeopardizing either your entire discharge, or the discharge of certain of your debts that could have been discharged with some careful pre-bankruptcy planning.
If you are suffering from overwhelming debt, you should seek legal advice as soon as possible. Contact our California personal bankruptcy attorney online.
Why Choosing the Right Lawyer Is Important
Many legal practitioners treat bankruptcy as a cut-and-dried process and will often pass most of the work to a paralegal. This can result in grave mistakes if the filing is not done properly. Our board certified bankruptcy lawyer will handle every aspect of your case.
On a semi-regular basis we receive calls from people wanting to hire us to repair the damage done by an incompetent attorney, or a non-attorney paralegal. Unfortunately, some kinds of screw-ups are irreparable. And even those that can be corrected frequently involve expensive lawsuits (called adversary proceedings) in the Bankruptcy Court. When that happens the total amount you end up paying – first when paying the incompetent lawyer, and then when paying the highly-skilled attorney to do the repair work – far exceeds what you would have paid if you’d gone with the skilled attorney in the first place.
In order to qualify for Chapter 7, you must pass a means test concerning your income. We understand exactly how the court defines income and the analysis the court will use. We will go beyond simple calculator tests to determine whether you qualify for this filing.
If you do not qualify for Chapter 7, Chapter 13 may be a viable option. This can be quite complicated and experienced legal help is crucial. Chapter 11 may be appropriate for individuals and married couples who do not otherwise qualify for Chapter 7 or Chapter 13, particularly if multiple properties are involved. We will work closely with you to properly plan for a filing and achieve asset protection through bankruptcy. You do not have to give up all of your possessions in order to get relief from debt.
If you are a business owner, and you do not want to shut the business down in Chapter 7, Chapter 11 may be the right option. Chapter 11 involves a reorganization that can sometimes re-establish a business that has been having difficulties.
Regardless of which chapter, if any, is right for you, there are deadlines that must be met in order to qualify for debt relief and prevent actions such as foreclosure and wage garnishment. You need an attorney who is well-versed in the time constraints at play and who can ensure that your filing is done properly every step of the way.
When you are dealing with the stress of crushing debt the last thing you should worry about is whether your legal counsel is doing everything they can to help you. Contact our Whittier Chapter 7, Chapter 11, and Chapter 13 bankruptcy attorney online. We offer flexible appointment scheduling and interest-free payments.
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