Don’t Let Debt Defeat You: Chapter 7 Bankruptcy Can Provide a Fresh Start
If you’re plagued by debt, filing Chapter 7 bankruptcy may be the most effective way to protect yourself from creditor harassment and get a fresh start.
At Reid & Hellyer, APC. a licensed Riverside Chapter 7 bankruptcy attorney is ready to help you file for Chapter 7 bankruptcy and make the phone calls stop. We’ve helped numerous clients in Riverside and San Bernardino counties absolve themselves of debt and can do the same for you.
Bankruptcy Chapter 7 Process to Eliminate Credit Cards and Other Debt
Beyond guiding you through the Chapter 7 process, Reid & Hellyer will instruct you as to the best course of action. Chapter 7 isn’t for everyone, and there are numerous factors to consider. No matter your situation, you can always trust Reid & Hellyer to provide honest legal counsel that helps with your debt.
If you want to eliminate unsecured debt like credit cards, payday loans, some personal loans, utility and medical debt, filing bankruptcy under Chapter 7 may be an option for you.
Chapter seven bankruptcy is usually a viable option for people with lots of unsecured debt and little income coming in; however, not everyone can file Chapter 7. If you want to file Chapter 7, you will have to take the Chapter 7 means test to see if you qualify..
The means test is a formula that determines whether your income is low enough to get your debts discharged. There are two steps to the means test:
- First Step: Compares your income to the median income in your state. Generally, if you “pass” the first step, you don’t have to do the second step.
- Second Step: Compares your disposable income and your unsecured debt.
Discover the California median income and talk with one of our bankruptcy lawyers to see if you qualify to file bankruptcy under Chapter 7.
Keep in mind, if you don’t “pass” the means test, you may still be able to file Chapter 13 bankruptcy and work to repay your debt (interest-free) over time.
Top Inland Empire Chapter 7 Bankruptcy Attorneys
At Reid & Hellyer, your Chapter 7 bankruptcy will be handled by some of the best Riverside bankruptcy lawyers in the Inland Empire and Southern California. Notably, Riverside bankruptcy lawyer Mark C. Schnitzer has been recognized as AV rated by Martindale-Hubbell and recognized as among the “Best Inland Empire Lawyers” by Inland Empire Magazine. Mr. Schnitzer works within the firm of Reid & Hellyer, which has itself been recognized as one of the Best Law Firms in American by U.S. News & World Report and Best Lawyers.
Don’t Let Debt Ruin Your Life, Get Your Debt Absolved With the Help of Reid & Hellyer, APC.
For more information, contact the bankruptcy department online or call (951) 682-1771 to find a bankruptcy lawyer for you.
Looking for a Chapter 7 bankruptcy lawyer in Riverside, San Bernardino or Orange County? If you are considering filing a Chapter 7 bankruptcy and are looking for a ca bankruptcy attorney, give Reid & Hellyer a call today.