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Get real help for real debt with Stockton bankruptcy attorneys.
Legal Helpers' sponsoring Stockton bankruptcy attorneys have the experience and training to really help you resolve your financial troubles, keep your home from foreclosure and your vehicle from repossession. Our Stockton bankruptcy attorneys know the "ins and outs" of both Chapter 7 and Chapter 13 protection and know how to use the California exemption regulations to protect as much of your possessions as is possible under the law.
Are you eligible for bankruptcy protection? Contact the Stockton bankruptcy attorneys today!
Fill out our Free Legal Evaluation Form to find out if you should file for bankruptcy
Legal Helpers has the experience and staff needed to give you the protection you deserve. All our sponsoring Stockton bankruptcy attorneys understand your needs and will make sure that you feel comfortable about every step we take on your behalf.
After analyzing your finances, one of our bankruptcy attorneys will determine whether or not you would be eligible for bankruptcy protection. Our California bankruptcy attorneys will explain all the important aspects and restrictions of both Chapter 7 and Chapter 13 bankruptcy filings. They will need to know a variety of things about you. These include how you earn your income - whether it is from a steady job, self-employment, seasonal wages or if you get paid on commission. They need to know if you receive pension payments, social security benefits, unemployment or strike benefits, or welfare payments. Our California bankruptcy attorneys also need to know if you pay or receive child support or alimony, how much your rent is and if you have earned any income from selling property.
If you own your own business you cannot file for a Chapter 13 in the name of your company. Businesses generally file for a Chapter 11. Business owners and sole proprietors, however, can file for Chapter 13 as an individual. You can also include business-related debts for which you are personally responsible.
Two types of consumer bankruptcy protection - Chapter 13 and Chapter 7
To qualify for Chapter 13 you must have some type of regular, stable income. In addition, your level of income must be high enough so that after you've paid for your basic human needs, you will have enough left over to make periodic (usually monthly) payments to the bankruptcy court for three to five years. The total amount of debt that you must repay will depend on how much you owe and the type of debts you have. Certain types of debts must be paid in full while others do not.
To qualify for Chapter 7, your income has to be suitably low, with no significant amount of equity in your home or property and your debts must be unsecured - such as medical bills or credit cad bills.
Legal Helpers - Advice, resources and more
Legal Helpers is a debt consolidation resource that not only helps you find experienced attorneys, but it is also a wonderful information resource center. Find information on acts to protect you, state exemptions, information on how to rebuild your credit, a list of friendly lenders and related articles, law updates and financial advice from a wide range of knowledgeable authorities. Legal Helpers also offers a free 24-hour information line to answer many of your questions.
Use our free legal evaluator to see if you should contact Legal Helpers