San Jose Bankruptcy Attorney Services
Chapter 7 Bankruptcy (San Jose Chapter 7 Bankruptcy Attorney)$1,000.00Chapter 7 bankruptcy ,also known as straight bankruptcy or liquidation bankruptcy, typically results in most of your debts getting discharged in about three months. While it is called “liquidation”,most people mistakenly believe that they are going to lose all of their possessions by filing.That is not true.Imagine that you are debt free in only 3 months- that’s what happens in most chapter 7 bankruptcy cases. Additionally, filing either chapter 7 or chapter 13 bankruptcy initiates the automatic stay, which gives you immediate relief from your creditors, stopping lawsuits, garnishments, repossessions and foreclosures.Your creditors are not even allowed to send you a bill in the mail or call you on the phone- that’s right, an end to those non-stop phone calls.During your free consultation,I’ll evaluate your financial documents to determine if you qualify for Chapter 7 bankruptcy .Depending on my findings,I’ll make recommendations that will help you decide if bankruptcy
Chapter 13 Bankruptcy (San Jose Chapter 13 Bankruptcy Attorney)$3,500.00Whatever the reasons, filing a Chapter 13 bankruptcy case can be a very complicated undertaking. Chapter 13 allows a person to reorganize their debt into a payment plan that fits their budget and typically lasts three to five years. Rather than paying dozens of different creditors every month, you will send in one payment to a court-appointed trustee, who then disburses payments to creditors. The monthly payment is your disposable income, which is your monthly income minus necessary living expenses.As with Chapter 7 bankruptcy, the process begins with you and I meeting in person to determine if Chapter 13 bankruptcy is best for you, and if you qualify. There are limits to how much debt one can have in Chapter 13, and other restrictions to go over as well. Once we determine you are eligible, I’ll collect the necessary documentation from you to prepare the paperwork, such as tax returns, pay stubs, bank statements, and bills
Emergency Bankruptcy Filing (San Jose Emergency Bankruptcy Attorney)$1,000.00We can file a bankruptcy for you in as little as 30 minutes when you come in. Just bring the following: Picture identification Proof of your social security number (either the card, or a 2015 W2 or 1099) Credit Counseling certificate. The applicable fees. We will have the foreclosure stopped by contacting the law firm conducting it by phone and fax, giving them the necessary information to stop your sale. Remember, you can file a bankruptcy case only minutes before the foreclosure sale to stop it.