One of the main reasons that your Creditors do not want you to know about this Riverside Bankruptcy Attorney website is that we tell you the truth about the power of a Riverside Chapter 7 Bankruptcy!

By Filing for Chapter 7 Bankruptcy Protection, you can stop:

  • Foreclosure
  • Credit Card Bills
  • Wage Garnishment
  • Medical Bills
  • Tax Bills
  • Harassing Phone Calls
  • And Much More

AND IT WILL STOP THE DAY YOU FILE FOR CHAPTER 7 BANKRUPTCY!

WHAT IS CHAPTER 7 BANKRUPTCY?

It is what is commonly called a fresh start because people get out of the mountain of debt and get a fresh start at their financial lives!  Chapter 7 is also known as a liquidation or a straight bankruptcy.  This means that a Chapter 7 bankruptcy gives you the power to WIPE OUT you debts – not pay them back.  Under California law, our Riverside Bankruptcy Attorneys are able to exempt most if not all of your assets.  That is right, most Riverside Chapter 7 Bankruptcy clients get to keep all of their assets and wipe out all of their debts!

HOW DOES CHAPTER 7 BANKRUPTCY WORK?

A Riverside Chapter 7 Bankruptcy is relatively straight forward.  You list your debts and your assets in your Chapter 7 Bankruptcy filing.  The Bankruptcy trustee then examines those assets and debts.  Your non-exempt assets are sold or liquidated to pay as much of your debts as possible and the rest of your debts (with a few exceptions like student loans) go away.  The liquidating part we know sounds scary but it really is not!  A good Riverside Bankruptcy Lawyer will examine your assets and find the proper exemptions so that little or non of your assets are sold! That is why is so important to hire an experienced Bankruptcy Attorney.  In the vast majority of our Chapter Bankruptcy cases, our clients get rid of all of their debts while keeping their home, their car, the money in their bank accounts and everything else they own!

WILL I BE ABLE TO BUY A HOME IF I FILE CHAPTER 7 BANKRUPTCY?

One of the most common questions we get is whether or not filing bankruptcy will prevent someone form buying a home.  The answer is that you might be able to buy a home shortly after bankruptcy.  You will likely need a decent down payment but there are tons of assumable loans out there.

WILL I BE ABLE TO BUY A CAR IF I FILE CHAPTER 7 BANKRUPTCY?

Absolutely!  Remember that after filing for Chapter 7 Bankruptcy, you will not have the payments you had before bankruptcy.  This makes you a good risk to car dealers.  In fact, many car dealers like people who have filed bankruptcy because it gives them an opportunity to charge a little extra in interest.

WILL I BE ABLE TO GET A CREDIT CARD I FILE CHAPTER 7 BANKRUPTCY?

The answer is absolutely again. After you bankruptcy is completed, we can give you a list of banks that offer secured credit cards.

WON’T MY CREDIT BE RUINED FOREVER IF I FILE CHAPTER 7 BANKRUPTCY?

There is no doubt that a Bankruptcy filing has a negative a credit impact BUT remember you wont owe your debts anymore!  You wont be 1 or 4 or 8 months behind on payments.  If you are considering Chapter 7 there is a good chance your credit is already messed up or is about to be.  If you are already in a bad credit situation, doesn’t make sense to get out from under that debt that is putting you in the situation.  Get rid of the worry.  In fact, many people start to have an improved credit score shortly after they file bankruptcy.  This is achieved by using secured credit cards, buying a car and otherwise reestablishing your credit through on time payments of new debt that you can manage.

ISN’T IT HARD TO QUALIFY FOR CHAPTER 7?

A lot of people believe that it is hard to qualify for bankruptcy after the changes made in 2005.  This simply isn’t true.  Many many people qualify and people are taking advantage of Chapter 7 bankruptcy protection in growing numbers.

GET YOUR FRESH START TODAY THROUGH THE POWER OF CHAPTER 7 BANKRUPTCY PROTECTION.  CALL US AT 888.558.2992 OR FILL OUT THE CONTACT FORM ON THE RIGHT!

As Riverside Bankruptcy Lawyers helping people with Chapter 7 & Chapter 13 Bankruptcy debt relief we are proud to serve the following areas of Riverside County: Riverside, Palm Springs, Banning, Beaumont, Blythe, Calimesa, Canyon Lake, Cathedral City, Corona, Coachella, Desert Hot Springs, Hemet, Indian Wells, Indio, Lake Elsinore, La Quinta, Menifee, Moreno Valley, Murrieta, Norco, Palm Desert, Perris, Rancho Mirage, San Jacinto, Temecula, Wildomar and all unincorporated areas of Riverside County.


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