The Bankruptcy Process
Guidance from Our Glendale Bankruptcy Lawyer
Many people who are under a great amount of financial distress might consider bankruptcy as an option for relief. If you are exploring bankruptcy, it is important to understand all aspects about how the process works, and a Glendale bankruptcy lawyer can assist with answering your questions. Essentially legal insolvency, bankruptcy is the inability or impairment of ability to pay creditors. Laws surrounding bankruptcy are outlined under federal jurisdiction and are expanded upon by each state. Though filings always occur within the United States Bankruptcy Court, it is critical to understand the laws regarding this process as outlined within the state where you are filing. Your first step should be contacting our skilled attorney for an initial consultation.
What You Need Before Filing
If bankruptcy proves to be a viable option, you will need to gather important documents from your creditors, such as:
- Pay stubs
- Loan documents
- Bills
- Letters from your creditors
We'll Help You File
Once our attorneys have examined all of your paperwork, we will file an initial bankruptcy motion. Law requires you to go through a mandatory credit counseling course. After this requirement is met, bankruptcy will be filed, which will create an automatic stay on further collection efforts, pending foreclosures and wage garnishments.
A few weeks after filing, you will be required to attend a 341 Hearing with a trustee and creditors, though it is rare for representatives to be sent to such a meeting. If you have filed Chapter 7, a discharge of debts is usually achieved about 3-4 months after your filing. In the case of a Chapter 13 filing, you will begin a repayment plan that can last anywhere from 3-5 years.
Meet with Our Glendale Bankruptcy Attorney
If you are feeling crushed by debt, you should make no delay in scheduling a consultation with RJB Law Offices. We can examine your finances and should bankruptcy be appropriate, we will ensure that you are well-informed along each step of the process. Our attorneys are committed to being responsive to your requests and needs and to searching for the most efficient manner in which your troubles can be resolved.
Contact a Glendale bankruptcy attorney for more info on how the bankruptcy process works in California. Our services are available in English, Tagalog, Armenian, and Spanish.
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.