Is the burden of debt is affecting every aspect of your life, perhaps even your health? It’s time you stopped worrying. Instead, all that you have to do is to speak to a San Jose personal bankruptcy lawyer. With a little help from your San Jose personal bankruptcy lawyer or attorney, your financial future can be rebuilt under Chapter 7 of the U.S. Bankruptcy Code. Click here for a FREE consultation with a bankruptcy lawyer.
To file a case under Chapter 7 of the US Bankruptcy Code is your legal right. But before you do this, your credit counseling agency must brief you thoroughly, according to the new Bankruptcy Reform Act. This agency will explain financial management to you, alternatives to bankruptcy, and how to conduct a budget analysis. Your San Jose personal bankruptcy lawyer or attorney will help you find a good and reliable agency.
You can handle a Chapter 7 bankruptcy proceeding on your own, but since the law is complex and your financial future is bleak, it is better to hire an experienced personal bankruptcy lawyer or attorney who focuses chiefly on personal bankruptcy cases. Not only will he assess your financial situation but he will also guide you through the entire process and put all your options before you. Your attorney will also help you plan out comfortable payment plans.
And don’t let it worry you if you live in a neighboring area of San Jose where perhaps the laws are different from there. It’s no different for you if you live in San Francisco Bay Area, Silicon Valley, the Monterey Peninsula, and the San Joaquin Valley, including: South Bay, Santa Clara, Cupertino, Palo Alto, Sunnyvale, Mountain View, Gilroy, Morgan Hill, Salinas, Monterey, Santa Cruz, Oakland, San Mateo, Redwood City, Fresno, Merced, Modesto, Stockton, the Counties of Santa Clara, San Mateo, San Francisco, Monterey, Alameda and other communities and regions in Northern California.
When you file a bankruptcy petition in court, get together all your personal and financial personal information – including your income, assets, expenses and debts. As a next step, the court will appoint a bankruptcy trustee to your case and enter an “Automatic Stay.” This is a court order that prevents your creditors from taking further action against you, outside the bankruptcy court. It will also:
- Protect most of your property from being seized by creditors
- Ban creditor lawsuits against you
- Stop foreclosure of your home
- Block any repossession of your car
You must obey all the rules of the court in order to receive your discharge. Besides, you must also obey your lawyer’s advice, since the laws are complex and you need a way out of the financial mess that you are in.
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