Am I Eligible to File Bankruptcy?

Bankruptcy Advice From a North Bay, California Attorney

Constant worry over mounting debts can prevent you from tending to and enjoying the many other aspects of your life. Empower yourself with knowledge about your options for erasing debt, putting an immediate end to harassing calls from creditors and collection agents, and getting a fresh financial start. Consulting with a Bankruptcy Attorney can help clarify which options are best suited for your situation.

At the Law Office of Andrew Kern, I am devoted to providing personal debt relief assistance. I offer comprehensive representation throughout the Chapter 7 or Chapter 13 bankruptcy process. Trust in me to protect your exempt assets and to offer advice tailored to your specific needs.

To discuss your debt relief options during a free consultation, contact me online or 707-658-4602. We can have a conversation about your options for getting a new lease on your financial future and ending unsettling calls from creditors and collection agents.

Which Bankruptcy is Right for me?

Sorting through the complexities of bankruptcy can be difficult without the assistance of a lawyer. I am devoted to providing comprehensive information vital to understanding how Chapter 7 and Chapter 13 filings may help you. During your consultation, we will discuss the advantages and requirements of both forms of bankruptcy and which may better fit your needs.

Chapter 7: Also known as liquidation bankruptcy, Chapter 7 allows individuals to eliminate debt while still keeping some assets. After the Chapter 7 process is complete, your dischargeable debts will be eliminated, offering you a fresh financial outlook and the chance to rebuild your credit over time. During our consultation, we will discuss which types of debt are dischargeable, what debts you may wish to affirm and which of your assets we can exempt from liquidation. Visit my page on Chapter 7 bankruptcy to learn more.

Chapter 13: A Chapter 13 restructuring or repayment plan allows for negotiation with creditors to reduce or principle balances or interest rates, and reorganize payment plans. Chapter 13 generates a payment arrangement that allows your debts to be resolved over a three to five year period. Visit my page on Chapter 13 bankruptcy to learn more.

Both of these processes invoke the automatic stay, which stops calls from creditors and collection agencies immediately upon your initial filing. Filing also halts foreclosure proceedings, allowing you to maintain possession of your home while the bankruptcy is resolved. Credit counseling is a required step in a successful bankruptcy plan and can help you in your path to rebuilding your credit.

Contact my Office to get Started

As a lawyer, I will help you make the decision whether to file bankruptcy under Chapter 7 or 13 - or determine whether there is another option for you to become debt free. Contact my office online to schedule a free consultation and receive an informational pamphlet detailing your debt relief options.

Licensed in CA, IL, and PA.

I am a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.