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Most people who file for Chapter 7 bankruptcy will be able to keep their assets, including their cars and home. Only non-exempt assets can be liquidated for payment of bills. Our knowledge of the bankruptcy exemptions will help you keep most of your assets while eliminating your debt.
Our office will move quickly to regain your peace of mind.
We are able to start your case with a small deposit. Then, we will move quickly to stop all harassment. It is possible that you'll receive your discharge in just a few months. That means we'll eliminate unsecured debts like credit card debt, medical bills, most personal loans, judgments resulting from car accidents, deficiencies on repossessed vehicles, some older tax debts, payday loans, and garnishments. Only certain debts, like child support, most student loans, and many tax debts are not dischargeable.

The Chapter 7 Bankruptcy Means Test

The Chapter 7 means test itself is a two-step process. You start with a median income comparison, which compares your monthly income to the median income of a family that is the same size as yours in your state. If your monthly income is at or below the median income, you qualify for Chapter 7 bankruptcy. If your income is higher than the median income, it doesn't mean that you can't file for Chapter 7 bankruptcy, but you have to complete the second step of the Chapter 7 bankruptcy means test.
The second step of the Chapter 7 means test involves calculating disposable income and unsecured debts. According to the test, if your disposable income over the next five years is less than $6,000 ($100/month), you qualify for Chapter 7 Bankruptcy. We can help you understand which part of your income is disposable for the calculation. If your disposable income during that five year period is greater than $6,000 but less than $10,000, you may still be able to file for Chapter 7, depending upon your allowed expenses.
Is bankruptcy right for you?
Contact us at 1 (866) 356-3567. We'll explain your right to protection under law and further discuss why Chapter 7 bankruptcy may be the right option if you:
  • Have no income or low income
  • Have little or no money left after paying your necessary living expenses each month
  • Have few assets (or no assets) outside your furniture, clothing and other necessities.
  • Rent or have little equity in your home
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