Is Bankruptcy Right for Me?
Considering Bankruptcy?
When the country's economy dips into dark times, unemployment is high, debt loads are unmanageable, and property values plummet, many people ask: "Is bankruptcy right for me?" This can be a difficult subject to explore, because as a hard-working and diligent person, you have apprehensions about being unable to meet your obligations. In the end, however, little else may be possible to prevent the sleepless nights, the creditor harassment, and the fear and anxiety that you are experiencing. To further explore the possibility of a bankruptcy filing, get in touch with our Glendale bankruptcy lawyer as soon as possible.
Struggling against severe debt? Bankruptcy may be an option. Reach out to RJB Law Offices online or call (888) 907-7063 to see if it is right for you! We speak English, Tagalog, and Armenian.
A Common Misconception About Bankruptcy
A primary misconception about bankruptcy is that it is as simple as going to court and having your debts erased. If you have high unsecured debts but little assets to pay them, you may want to consider Chapter 7, known as liquidation bankruptcy. Reorganization bankruptcy, Chapter 13, is a better option for those who have assets but need their debt reorganized into a manageable repayment plan wherein part of all of their debts are repaid over 3-5 years.
When Is Bankruptcy Not Right For Me?
Bankruptcy may not be the right option for you if:
- You received a bankruptcy discharge within the past 8 years
- Someone cosigned a loan for you and can now be held fully responsible for that debt
- You have had a bankruptcy case dismissed previously
- You expect to have an ongoing need to incur debt, such as for medical expenses
- You are accused of defrauding your creditors
- You recently incurred a large amount of debt on luxuries and entertainment items
Free Case Evaluation from Our Bankruptcy Attorney in Glendale
Knowing what to do, what road to take, and when to take it can be overwhelming when you are already burdened by immense worry and emotion. We at RJB Law Offices can consult with you, treating you with dignity and respect and offering clear explanations about your options. If bankruptcy is not the right option for you, we will be honest with that fact and will help you explore other avenues of resolution.
Contact a Glendale bankruptcy attorney today for a free consultation.
REAL STORIES FROM REAL PEOPLE
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Past Client
Discussing my situation with Ray was incredibly helpful.
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Past Client
My husband and I are very pleased with how RJB Law Office helped us in our financial situation and appreciate the continues tips to better ourselves in our finances and building up our credit.
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Past Client
Excellent service and very good advice.
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Past Client
Genuine, capable and kind.
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Past Client
Ray and his firm took great care of us during difficult times.
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Past Client
Attorney Bulaon was attentive, personable, professional, and clearly explained all the available options.
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I would like to take a moment to say that I am truly grateful for your professional and personal assistance in this matter.
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I just want to thank you for helping me through this difficult time. My life is finally moving forward.
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We are as grateful as those who have sought your help and are now enjoying a debt-free life.
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Thank you for helping us in time of need. Now we can start a new life.
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Thank you so much for accommodating us and your sound advice.
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You were all very caring, professional and understanding through it all. Thank God that we came across Atty. Ray Bulaon.
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I am telling all my friends, if they have financial problems, go to RJB Law Offices and surely, they will be helped.
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Thank you for everything. You will always be included in our prayers.
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We can breathe easier now. We wish to thank you and all the members of your office.
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Your help has made me emotionally and financially stable. Now I have the chance to move forward.
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The experience, honesty and integrity of your law firm have helped me and many others get that chance to build a better financial future.