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Find freedom from debt by filing for Chapter 7 in Mira Loma CA
California is among the 10 ten worst states for personal credit card debt, with the average resident owing $7,300. Many people depend on credit cards to get them through times when cash is tight due to losing a job, having their hours cut, or needing to cover a sudden medical expense. Unfortunately, it’s very easy to start drowning in credit card debt once you start using your cards this way. The good news is, Chapter 7 in Mira Loma CA can provide a solution.
California Bankruptcy Relief is Here to Help
At California Bankruptcy Relief, we specialize in helping people just like you take advantage of the debt relief offered by Chapter 7 bankruptcy. With us as working as your bankruptcy attorney, you can rest assured all your paperwork will be filled out correctly to give you the best chance of having your petition for Chapter 7 in Mira Loma CA approved on the first try. Our firm has been 100% successful in bankruptcy cases to date.
What Can You Do with Chapter 7 Bankruptcy?
- Eliminate Your Unsecured Debts: By filing for Chapter 7 in Mira Loma CA, you can relieve yourself of the burden posed by many types of unsecured debts such as:
- Credit card debt
- Personal loans
- Medical bills
- Utility bills
- Back taxes at least 3 years old
- Certain lawsuits and judgments
- Reaffirm or Redeem Secured Debts: If you have a mortgage, a car loan, or some other type of secured debt, filing for Chapter 7 in Mira Loma CA allows you to choose whether or not you want to discharge these debts in the bankruptcy. If you can afford the payments, you can reaffirm the debt and keep the property. If you cannot afford the payments, you can give up or redeem the property and discharge the debts.
- Keep Your Exempt Property: Although Chapter 7 is sometimes called “Liquidation Bankruptcy,” this doesn’t mean you will have to give up all of your property. As your bankruptcy attorney, we can help you choose the correct set of California exemptions that will maximize the amount and value of property you get to keep. This may include:
- Your home
- Vehicles
- Home furnishings
- Clothing and jewelry
- Social security benefits
- 401ks and IRAs
- Pensions and other qualified retirement plans
- Tools of the trade for your business
- Alimony and child support
Find Out If You Qualify for Chapter 7 in Mira Loma CA
If you have a high income, there is a presumption that you do not really need the debt relief offered by Chapter 7 in Mira Loma CA. Depending on what you score on the California Means Test, we can try to rebut this presumption. Fortunately for you, California Bankruptcy Relief can guide you through all the quirks of the Means Test to give you the best possible chance of qualifying, even if you have a high income.
Call Now for Your Free Bankruptcy Evaluation
If you’re wondering whether Chapter 7 is the solution to your debt problem, we encourage you to contact us at 951-755-1000 today. We’ll set up a free bankruptcy evaluation to help you understand your rights and options.
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