Chapter 7 Bankruptcy

You are here: Home » Ventura County Law Firm » Chapter 7 Bankruptcy

Debt Relief Lawyers Ventura County and Los Angeles County

Maybe you lost your job or your adjustable rate mortgage went sky-high. Or, perhaps you were seriously injured in an accident and become overwhelmed by medical bills. No matter the circumstances, if you are buried in debt and looking for a way out, contact the Ercolani Law Group in Westlake Village, 805-338-6880. We offer free initial consultations.

At the Ercolani Law Group, we advise people on whether Chapter 7 Bankruptcy is the best option given their individual situation and goals each person wants to accomplish. Qualified clients can eliminate their debt and start fresh on their finances.

Discharge Your Debts

A Chapter 7 liquidation, or “fresh start” bankruptcy filing allows you to:

  • Eliminate all unsecured debt, such as medical or credit card bills.
  • Keep certain possessions, thanks to property exemptions.
  • Avoid harassing creditors, due to this chapter’s “automatic stay” feature.

Debt that cannot be discharged includes federal income taxes, spousal and child support, and student loans.

If you do not qualify for Chapter 7 protection via the income-based “means test,” we can explore the possibility of filing Chapter 13 bankruptcy. This method consolidates and reorganizes your debt for repayment within three to five years.

Get Answers to Your Questions

Many individuals have questions and concerns about how a bankruptcy filing will affect their homes, their cars, taxes, and student loans. Each state has different laws to exempt certain property from being taken in a bankruptcy filing. We can answer your questions, help you understand how the law applies to your individual situation, and advocate for you every step of the way.

Bankruptcy May Allow You to Protect Your Home

In addition to supporting clients through the Chapter 7 bankruptcy process, we also advocate relentlessly on behalf of individuals and families who are under the threat of foreclosure on their homes. Your home is your most precious asset. We can help you protect it.

Contact Us for a Free Consultation About Your Debt Relief Options

You deserve a fresh start and a second chance. For more information or to schedule a free consultation, call our office and speak with a bankruptcy lawyer. Our office is located near the 101 Freeway in Westlake Village, just east of Westlake Blvd, just a short drive from Simi Valley, Woodland Hills, or Oxnard. We can arrange a time to speak that fits your schedule, and there is no fee to learn about your options. Email our law office or call 805-338-6880.

Show Comments