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Frequently Asked Questions

Glendale Bankruptcy Attorney

What kinds of debt can be discharged?

This is an important question to consider as not all types of debt are eligible to be discharged through a bankruptcy. Most commonly, unsecured credit card debt is the primary type of liability that can be discharged, though specifics vary under the bankruptcy code. Non-dischargeable debts include taxes owed to local, state, or federal entities, debts that were not contained in the initial list at filing, court or legal judgments, spousal or child support obligations, educational loans, or debts incurred once a bankruptcy was already filed. A Glendale bankruptcy lawyer can advise you as to the specifics of debt discharge in your individual case.

What type of bankruptcy is right for me?

The two most common types of consumer bankruptcy are Chapter 7 and Chapter 13. In the case of a Chapter 13 filing, a manageable repayment plan is established with creditors to pay off your liabilities over time. When you file a Chapter 7 bankruptcy, many debts will be discharged by the court, releasing you from further obligation. Depending on your circumstances, the bankruptcy code spells out what type of bankruptcy you may be eligible for, what debts can be eliminated, what assets you are entitled to keep, and how long repayment efforts may be stretched out.

Is a certain amount of debt required to file for bankruptcy?

This answer varies from case to case, but there is no "magic number." Some situations may not warrant a bankruptcy filing but can be better addressed through debt negotiation or consolidation efforts. It is important to consider your debt to asset ratio and whether your current financial distress will be short-lived or longer-term. An attorney from RJB Law Offices can examine your case and provide you with a full assessment, offering all possible avenues towards an expedient resolution.

How long will a bankruptcy appear on my credit report?

Depending on the Chapter of bankruptcy that you file, it may remain on your record from 7 to 10 years. Through diligent credit restoration efforts, you can mitigate the effects of a bankruptcy on your credit report, but the ability to obtain loans and credit in the short-term will vary greatly from creditor to creditor.

Contact a Glendale Bankruptcy Attorney as soon as possible for a comprehensive consultation.


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