San Jose Chapter 7 Bankruptcy Lawyers
The new means test does prevent some individuals from qualifying for Chapter 7 bankruptcy. But in practice, most people who would have qualified under the old Chapter 7 bankruptcy laws (prior to October 2005) still qualify today.
At Diemer, Whitman & Cardosi, LLP, we help Bay Area individuals and families navigate the Chapter 7 bankruptcy process. If you are tired of struggling to stay above water and would like to explore your options for a fresh financial start, we encourage you to call or contact us today for a free consultation.
Answering Your Questions
Does my spouse have to file for bankruptcy, too? (No.)
Are there any good alternatives to bankruptcy? (Yes, but whether or not they will work for you depends on your situation. Our lawyers will help you evaluate all of your options.)
Can I keep my house? (Again, it depends on your situation. In some cases, allowing the foreclosure to happen might be the best thing.)
Whatever a bankruptcy might accomplish for you once the process is complete, you will almost certainly have questions throughout process. This is completely normal and we encourage our clients to ask questions and express their concerns whenever they arise. In fact, our team approach ensures that you will never have to wait long for your questions to be answered or to have your concerns addressed by one of our lawyers.
Creating Individualized Solutions
Although every Chapter 7 and Chapter 13 bankruptcy is governed by the U.S. Bankruptcy Code, your personal bankruptcy is — or at least should be — highly individualized. Our lawyers understand this fact and will handle your situation on its own terms so that you obtain the maximum possible benefit of the fresh start afforded by the bankruptcy process.
To do that, we carefully review your financial situation — your income, the assets and property you have, as well as both your secured and unsecured financial obligations (including credit card debt). We also work closely with you so that we can understand the goals that you would like to accomplish through the bankruptcy process. Equipped with this information, we can then identify and pursue the best strategies to meet your needs.
To learn more about Chapter 7 bankruptcy and other available debt relief options that might work for you, call or contact our offices in San Jose, California, to schedule a free initial consultation with one of our attorneys.
