Chapter 7 bankruptcy allows individuals, couples, and even businesses to discharge most if not all unsecured debt and takes approximately 90 to 120 days to complete.
Your income may be sufficient for you to make low interest or no interest payments to creditors over time. The payment under a Chapter 13 plan is based on your ability to pay and not the amount of your debt. The best part is that you don't have to struggle to pay high interest and the balance of many of your debts is eliminated at the end of three or five years.
Chapter 11 bankruptcy allows us to use the full range of bankruptcy tools to solve your financial emergency and put your business or your personal financial life back on track.
Set aside about an hour to meet with bankruptcy specialist Andrew Mansfield. During this meeting, you will review your income, expenses, debt, recent transactions, and property. We may run the means test to determine if you qualify for Chapter 7. If you need a Chapter 13, you will determine approximately how much you payment will be..
Your are invited to load all of the required documents through our file portal, ask questions online, by email and on the phone at any time, and pay through our client portal over time, if needed.
We can't file a Chapter 7 until you are paid in full. We will file you as soon as possible after you pay and, if you have funds available, we can file and protect you in a matter of days.
You are given the opportunity to review all of the information in your petition for accuracy and completeness. We then go over every page together to make sure it is correct and you understand all that is being asked. When perfect, you sign, we scan, we upload and your are filed. The protection from creditors starts that day.
Andrew Mansfield represents you personally at your 341(a) meeting in Santa Barbara. We prepare you for the hearing and provide the information you need to understand the process.
Approximately 90 to 100 days afer you file, a Chapter 7 case ordinarily results in a discharge of the debts that are subject to elimination in bankrruptcy.
A Chapter 13 case involves making payments that might pay a portion of your debt over 36 months or 60 months. We are your counsel that entire time and help you achieve a discharge after the last payment.
We strive to provide outstanding client service at each step of the bankruptcy process. We appreciate our clients' feedback and reviews. We are grateful to be in an area of law that helps others.
.Attorney at Law
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If you want to hit the ground running, you can provide more information to us now and we will have your case substantially reviewed before you come in.