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What is Bankruptcy?

Bankruptcy protection is the legal right and status of a person or business that is unable to re-pay its debts owed to creditors. Bankruptcy is a serious legal matter and hiring professional, experienced, and knowledgeable legal representation can make a difference in your case. The two most common types of consumer bankruptcy are Chapter 7 bankruptcy and Chapter 13 bankruptcy. Call the Amerio Law Firm today for a FREE case evaluation at (916) 419-1111 to see if bankruptcy is the right choice for you, and if so, which type of bankruptcy best suits your needs and goals.

Benefits of Bankruptcy

When you are facing overwhelming debts and dealing with non-stop creditor calls, filing bankruptcy may be your best option. Put a stop to your sleepless nights and worry-filled days by contacting a legal professional at the Amerio Law Firm TODAY to see what the benefits of bankruptcy might be for your particular situation. Wouldn’t knowing that you can either completely discharge your debts or possibly enter into a structured payment plan put your mind at ease? The benefits of bankruptcy are clear:

  • Completely discharge your unsecured debts through a Chapter 7 bankruptcy or
  • Work out an effective repayment plan over the course of 3 to 5 years!
  • Stop harassing creditor calls!
  • Stop wage garnishments, bank levies, property liens, and foreclosures!
  • Get your financial freedom!
  • Re-build your credit!
  • Alternatives to Bankruptcy

Types of Bankruptcy

Chapter 7 Bankruptcy

Chapter 7 bankruptcy is a useful financial tool that can be extremely effective in reducing your debt, especially if you hire a skilled attorney to handle your case. The key element of Chapter 7 is the liquidation of your assets. Losing your belongings or property is a tough solution to your debt problems, but many of your most important assets are exempt from liquidation. Before you attempt to file, be sure you are eligible for chapter 7. You may be restricted from filing if:

  • During the preceding 180 days, a prior bankruptcy petition was dismissed due to willful failure to appear before the court or comply with orders of the court
  • During the preceding 180 days, you did not receive credit counseling from an approved credit counseling agency either in an individual or group briefing
  • You voluntarily dismissed a previous case after creditors sought relief from the bankruptcy court to recover property upon which they hold liens

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is also a potentially advantageous financial strategy that gives you relief from your debt through the establishment of a payment plan. The details of your plan are subject to negotiation with your debtor, and an experienced attorney will ensure you are not exploited throughout the bankruptcy process. If you are facing foreclosure, chapter 13 bankruptcy offers you an opportunity to stop the proceedings and save your home. While your credit score will still take a hit, it will recover much more quickly than after other types of bankruptcy. Eligibility requirements for chapter 13 bankruptcies are often stringent, and you may be restricted from filing if:

  • During the preceding 180 days, a prior bankruptcy petition was dismissed due to willful failure to appear before the court or comply with orders of the court
  • During the preceding 180 days, you did not receive credit counseling from an approved credit counseling agency either in an individual or group briefing
  • You voluntarily dismissed a previous case after creditors sought relief from the bankruptcy court to recover property upon which they hold liens

Contact Us

If filing for Chapter 7 or Chapter 13 bankruptcy is an option you are interested in pursuing, the attorneys at Amerio Law Firm can help you get the results you want from your case. We offer free initial case evaluations that require no money down. For our other services, we offer payment plans, so we don’t add to your existing stress. You deserve to regain your steady financial footing as soon as possible, so contact us at (916) 419-1111 for a free initial case evaluation.

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