El Portal Chapter 7 Lawyer

Looking for a bankruptcy attorney in El Portal? You have landed on the right page. Stiberman Law offers bankruptcy-related services including Chapter 7 filing and consultation.

What is a Chapter 7 Bankruptcy?

Chapter 7 is the most popular type of bankruptcy with a success score of more than 90 percent.

It provides for the discharge of unsecured debt, such as credit card debt and personal loans. However, secured debt remains unaltered, i.e.: the debtor will remain in possession of the collateral paid in exchange for the loan for as long as the applicant continues to make timely payments.

Both businesses and individuals can file Chapter 7; however, there are certain requirements.

Most people choose Chapter 7 as it comes with exceptions to certain assets, thus benefiting the applicant.

Your Trusted El Portal Chapter 7 Bankruptcy Lawyer

You need to work with an attorney you trust. If this is your first time filing bankruptcy, you may not know a reliable attorney.

Stiberman Law can be your partner as we understand Chapter 7 like the back of our hands. Working with us comes with these benefits:

Professional Staff: We have professional staff members with years of experience handling bankruptcy cases. Our agents are friendly and will answer all questions you may have about Chapter 7.

Quick Delivery: We know you want to waste no time and we’re always here to help you. We’ll start the process just as we receive your approval and will ensure you stop receiving threatening calls within 24 hours of filing.

Multiple Packages: You can choose from a variety of packages including a special $0 down plan that is suitable for people who cannot afford to make advance payments.

A Complete Firm: Talk to us today to know more about how we can help you. Call (954) 922-2283.

Chapter 7 is the most popular type of bankruptcy, however, not everyone may be eligible.

There is a means test that you must pass to qualify for Chapter 7. If you fail to qualify, you may be referred to another bankruptcy type.

We’ll need to have a look at your documents including a list of assets and liabilities to determine if you can be a candidate for Chapter 7. In most cases, you will pass if your income “comes to be less than your state's median income for a household of the same size.”

Chapter 7 can help you solve the following issues:

• Wage garnishment.
• Foreclosure risk.
• Stress due to debt.
• Threatening creditors/
• Fear of the loss of assets.

Book a free consultation with us to know more about Chapter 7.

The bankruptcy process may sound a little intimidating, especially if you decide to handle everything on your own.

Make it easier by working with a professional firm like Stiberman Law.

We follow a simple four-step process to ensure you face no difficulty during or after filing:

1. Book a FREE consultation and talk to us.
2. Our team will have a look at your file and prepare a report to gauge if you qualify for Chapter 7.
3. We’ll explain the situation to you and seek your approval.
4. Once approved, we’ll take care of all paperwork and file on your behalf.

You will not have to worry about attending court dates or informing creditors, it will all be taken care of.

How long does the process take?

The process can take up to four months to complete.

Do I need a lawyer to file Chapter 7?

You do not need a lawyer to file Chapter 7; however, having a legal representative can make things easier.

Are there income limits for Chapter 7?

Yes, there are income limits depending on your state and house size.

How much does the first consultation cost?

With Stiberman Law, the first consultation is 100% FREE.