Helping San Francisco Area Clients File for Personal Bankruptcy
Times are tough. Many people are out of work causing them to use credit cards as a means of survival. This is only a temporary fix. Far too soon, the level of accumulated debt becomes overwhelming, making it difficult to make even minimum monthly payments. It may appear as though there is not an end in sight.
At The Epstein Group, we recognize the stress and worry associated with what seems to be a never-ending debt cycle. Our attorneys advise California clients about debt relief options that may be applicable to their specific situation, including Chapter 7 bankruptcy. With more than a dozen years of experience navigating individuals and families through consumer bankruptcy, we are prepared to help you make a fresh financial start.
Contact us to arrange a no-cost, no-obligation Chapter 7 bankruptcy consultation with a knowledgeable San Francisco area lawyer.
What Is Chapter 7 Bankruptcy?
Chapter 7 bankruptcy, also known as liquidation, is often available to individuals and families with a high amounts of unsecured debt, such as credit card bills and outstanding medical expenses. Your debt-to-income ratio will be put through a means test to determine if you qualify for Chapter 7. If you do not, you may be eligible to pursue a Chapter 13 bankruptcy instead.
Many people are under the impression that they will lose all of their worldly possessions in a Chapter 7 bankruptcy. While it is true that some of your assets may be sold to pay creditors, much of your personal property will be exempt from liquidation.
In a few short months, eligible debts will be discharged, allowing you to move forward with a clean slate.
Putting an End to Creditor Harassment
Harassing telephone calls and letters from collection agencies only add to the stress of being in debt. As soon as a Chapter 7 bankruptcy petition is filed, an automatic stay is put in place, making it unlawful for creditors to contact you or continue collection actions against you.
For more information about Chapter 7 bankruptcy and rebuilding your credit, visit our Frequently Asked Questions section.
Free Attorney Consultation
To talk to a lawyer at The Epstein Group about your options for debt relief, call 415-863-5718 or complete the contact form on this website. There is no charge for your initial consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
