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Bankruptcy provides people who
have debts with a
 powerful
yet flexible way to legally
eliminate all or most of their
debts, and stop creditors
harassment, lawsuits; or money
being taken from your bank
account or pay check. When
filing for bankruptcy most
clients keep everything they
have because the law allows you
to keep things (assets), of no
significant value. During the
bankruptcy process, you need to
let us know what items you have,
and we will discuss if there is
anything that is not fully
protected by the bankruptcy
laws.
Bankruptcy can provide you with
the option to reduce or
eliminate your debts.
In most cases your qualify for a
Chapter 7 if your income and
normal expenses are very close
to each other, or your expenses
are greater than your income;
you do not own anything of
significant value, and have not
filed a bankruptcy Chapter 7 in
the last few years (call us if
you have filed bankruptcy before
to determine if you will qualify
based on current bankruptcy
laws).
If you are considering filing
bankruptcy in San Diego County,
is important for you to be
represented by an attorney
experienced in the details of
current bankruptcy law. We can
make the process of your
bankruptcy as simple and
straightforward as possible for
your personal financial
situation. The attorney will
help you personally during the
entire process, in order to
obtain the information required
to make the process go as
smoothly as possible.
In 2005 the Chapter 7 bankruptcy
laws were changed making
bankruptcy process more
difficult and as your bankruptcy
attorneys, we will be able to
assess your personal financial
situation to advise and guide
you on your bankruptcy solution.
Chapter 7 Bankruptcy - Total
Liquidation
In the great majority of cases,
all unsecured debts are fully
discharged in a Chapter 7
bankruptcy, leaving you with no
further obligations to make
payments on unsecured debts like
credit cards, medical bills,
signature loans, etc.
Foreclosure-threatened
homeowners have turned to the
solution of filing bankruptcy to
avoid or delay a foreclosure.
Both Chapter 7 and Chapter 13
bankruptcies will stop a
foreclosure process with the
filing of the bankruptcy
petition. (It will also stop
collection activities this is
call the "Automatic Stay" which
activates once your bankruptcy
is filed). Until the Automatic
Stay is lifted the creditors
cannot continue with their
collections activity, or
foreclosure process.
Mele & Ros, Representation
for Bankruptcy Cases
Our San Diego law office handles
consumer bankruptcy on Chapter 7
for total liquidation of debts.
The Law Firm of Mele & Ros
offers free initial phone
consultations to enable us to
review your information,
anticipate problems and request
additional information before
our initial appointment. This
step will maximize the accuracy
and efficiency of our meeting.
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You can call
the attorney direct
at
(619)
338-8118 - ext. 111
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For your convenience we can have
a telephone consultation and
communicate electronically by
email, so you do not have to
come to our office, or miss
work, we can also offer
appointments time that are
better for your schedule . |
