Chapter 7 Bankruptcy

Chapter 7 Bankruptcy Attorney Helps California Consumers Discharge Their Debt

SKILLED BANKRUPTCY LAWYER COUNSELS INDIVIDUALS IN THE WHITTIER AREA SEEKING RELIEF

Sometimes situations beyond your control can profoundly impact your earning potential and lead to overwhelming debt. If you find yourself unable to pay your bills, you may want to consider filing for bankruptcy. At the Law Office of J. David Munoz, I represent clients in the Whittier area and throughout California who seek debt relief through Chapter 7 bankruptcy. Designed to give debtors a fresh start, this filing gives you and your spouse relief from debts through the liquidation of your assets. With extensive experience in this area, I can help you file for Chapter 7 quickly and efficiently. Once you have filed for bankruptcy, creditors must immediately stop collections efforts, including harassing letters and phone calls.

CALIFORNIA ADVOCATE EXPLAINS THE CHAPTER 7 MEANS TEST FOR QUALIFYING DEBTORS

To qualify for Chapter 7 bankruptcy relief, you must satisfy the court’s means test, which calculates your income and expenses compared to the median income in California. If you are not eligible for Chapter 7 bankruptcy, Chapter 13 may be available. The Law Office of J. David Munoz can help you determine whether you are eligible for Chapter 7 bankruptcy and if it is the best option for resolving your debts.

FIRM ASSISTS WITH ASSET LIQUIDATION AND DEBT DISCHARGE

Liquidation involves selling assets to satisfy as much of your debt as possible before the court orders a discharge for the rest of your qualifying debt. However, the law includes many exemptions that allow you to preserve assets, such as your car, clothing, and tools of your trade. I can help you determine which of your assets are eligible for exemption so you get the maximum protection under the law. Upon conclusion of the bankruptcy proceedings, the court grants a discharge of your remaining debt, with some notable exceptions. These include back child support and alimony payments, student loans, recent back taxes, and court judgments based on personal injury claims. I advise you about how much of your debt is dischargeable, so you can make an informed decision about whether to pursue Chapter 7 bankruptcy.

PREPARING FOR YOUR APPOINTMENT WITH A BANKRUPTCY ATTORNEY

So that I can immediately begin analyzing your case, it is necessary that you bring certain information to your appointment with the Law Office of J. David Munoz, including:

  • A list of your creditors’ names, amount of each claim and nature of the debt
  • Your employer’s name and your gross and net income
  • Other sources of income and amounts
  • A list of what you own and estimates of the value of each item
  • A list of your monthly bills and details of each expense

This information can help the Law Office of J. David Munoz provide an accurate assessment of whether Chapter 7 bankruptcy is appropriate for you.

Contact an experienced bankruptcy attorney in California

Don’t continue to live under a cloud of unmanageable debt. Chapter 7 bankruptcy can quickly discharge your qualifying debt and give you a fresh start. Call (562) 362-4078 or contact me online to schedule your bankruptcy consultation at my Whittier office.

Client Testimonials

  • “Great work coming from this law office.”
    “Would most definitely recommend for anyone looking for people who will actual listen to what your case is.”
    - Lexi G.
  • “Definitely recommend him every chance I get.”
    “Helped my family and I in several cases all with great results.”
    - Gabriela I.
  • “I would recommend the law office of Mr. J. David Munoz.”
    “The response I received was very professional and concerned about our problem.”
    - Paul M.
  • “They know what they are doing and within a timely manner my legal issues were taken care of.”
    “I was skeptical at first considering what was at stake but I put trust into the process and David and his guys did the rest.”
    - Kevin T.
  • “If you need a good attorney, call the office, they takes pride in their work.”
    “We have had excellent results with Mr. Munoz and his Law team.”
    - Former Client
  • “My boyfriend was facing 19 years in prison, Mr. Munoz and his team got him 3 years.”
    “I personally have dealt with Attorney Munoz on several occasions and he has helped me.”
    - Crystal T.
  • “Would 100% recommend.”
    “I went from SUPER worried to everything's gonna be fine just off our first phone call.”
    - Robert W.
  • “Wish I could give more than 5 stars.”
    “if you're in need of legal services, and even if you're full of questions, don't let that deter you from giving J. a call. He's incredibly helpful and was EXACTLY what I was looking for.”
    - Suza W.