Chapter 7 and Chapter 13 Bankruptcy Attorney in Long Beach, California
Welcome to the Law Office of David P. Farrell! I am a bankruptcy lawyer in Long Beach, CA committed to helping people get out of debt.
If you are considering bankruptcy you probably have a lot of questions about how bankruptcy works, and how filing bankruptcy will affect your credit. Filing bankruptcy is an important decision, but it doesn’t have to be scary. As a Long Beach bankruptcy lawyer, my goal is to explain the benefits and disadvantages of bankruptcy so you can decide if bankruptcy is right for you.
Whether you have too much debt and feel like there is no way out, or you have just missed a few payments and need a little time to catch up, whatever your reason is for being here, relief is available. Find out if you qualify for chapter 7 or 13 bankruptcy with a free no obligation consultation at (562) 479-0939, or click the “request evaluation” tab to the right. I offer representation in chapter 7 and 13 bankruptcy cases throughout Southern California.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates bad debt to give you a fresh start. Most people who file chapter 7 keep all of their property and discharge most, if not all, of their debt. If you have low income and cannot afford to pay your living expenses, and pay your bills, chapter 7 bankruptcy may be right for you.
You may consider filing chapter 7 if:
1. You have too much debt;
2. Your wages are being garnished;
3. You don’t make enough money to pay your living expenses and pay your bills;
4. You are being sued on a debt you cannot afford to pay;
5. You want to get out of debt and start over.
We offer free means testing and analysis to find out if you qualify for chapter 7 .
Chapter 13 Bankruptcy
Chapter 13 is for people with regular income who don’t qualify for chapter 7, and those looking to stop foreclosure and reorganize their debts. In chapter 13 you can avoid liens, reduce balances and interest rates, and repay past due amounts over time; any debt remaining at the end of the chapter 13 plan is discharged.
You may consider filing chapter 13 bankruptcy to:
1. Stop foreclosure and cure defaults, indefinitely;
2. Stop repossession;
3. Cure defaults and repay past due amounts over time;
4. Avoid mortgages, tax liens and judgment liens;
5. Reduce interest rates and loan balances.
If your home is being foreclosed, or just need a little time to catch up on your bills, contact a Long Beach chapter 13 bankruptcy attorney today.
Why Choose Long Beach Bankruptcy Lawyer David P. Farrell?
As a Long Beach bankruptcy lawyer I take pride in helping people stop creditor abuse and get out of debt. I personally handle my clients’ cases start-to-finish and have the knowledge and experience to guide you through the bankruptcy process and get you the very best results under the law.