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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.

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

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.

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