Services

Bankruptcy Services in CA

Legal Angels Bankruptcy has been assisting the people of California and other areas, including Riverside County for the past decade.

We can help our clients from harassing creditors and bankruptcy cases. Our main office is headquartered in Chula Vista, California.

Legal Angels Bankruptcy

We Can Help You!

Legal Angels Bankruptcy can help San Diego and Escondido residents to file bankruptcy.

We Can Help You To

  • Get relief from harassing creditors
  • Erase all of your qualified debts
  • Keep your home and car
  • Clean up your credit
  • Improve your credit score
  • Stop a foreclosure sale
  • Stop wage garnishments
  • Stop repossession
  • Get a good night’s rest

Who Qualifies for Bankruptcy?

If a debtor’s expenses exceed his income, then he is bankrupt. Bankruptcy is the process of petitioning the Bankruptcy Court to get relief from paying burdensome debts. Debtors experiencing extreme financial hardship, for whatever reason, including but not limited to loss of employment, the death of a spouse, etc., may file for bankruptcy.

What Is The Difference Between Chapter 7 & Chapter 13 Bankruptcy?

Chapter 13 Bankruptcy (or wage earner’s bankruptcy) allows the debtor to obtain some relief of certain debts, including but not limited to stripping the second mortgage lien. In a Chapter 13 Bankruptcy, the debtor must have an approved Plan whereby the debtor pays back the creditors (sometimes pennies on the dollar) over a 3 or 5-yr. Plan.

How Does Divorce Impact My Filing for Bankruptcy?

Couples experiencing financial hardship file for bankruptcy as well as a divorce. The Bankruptcy Court is interested only in properties that constitute a part of the Bankruptcy Court’s estate. Sometimes after judgment has been entered in the divorce court regarding the division of debts, the parties may subsequently petition the Bankruptcy Court for relief from these debts.

How Often Can I File for Bankruptcy?

An individual who has filed for Chapter 7 Bankruptcy, and has received a discharge, may file for another Chapter 7 Bankruptcy 8 years after the discharge has been granted.

What Is The difference Between Dismissed Bankruptcy & Discharged Bankruptcy?

When a Debtor obtains a dismissal, it means that the debtor has not received the relief sought for whatever reason, such as the debtor’s failure to attend the Trustee’s Hearing, his failure to cooperate with one or more requests of the Bankruptcy Trustee, etc.

When a Debtor complies with all requests, attends the hearing and fulfills all obligations, then she will receive a discharge (relief from the debts) for e.g., in a Chapter 7 case and is not required to repay the unsecured debts. Creditors can no longer pursue claims for payment of the listed debts.

Who Is the Bankruptcy Trustee?

The Bankruptcy Trustee is one of many qualified individuals appointed by the Bankruptcy Court to sit in the 341a Meeting (Creditors’ Meeting). He or she will review the debtor’s petition and accompanying schedules, ask the debtor pertinent questions regarding his or her current financial status and make recommendations regarding the debtor’s eligibility for a discharge of debts.

Ms. Rose Garcia, Bankruptcy Attorney, is an experienced bankruptcy lawyer who specializes in Chapter 7 and Chapter 13 Bankruptcy. With the assistance of a paralegal, Ms. Garcia has assisted numerous individuals experiencing severe financial hardships as a result of the economy.

Ms. Garcia can help you to file either a Chapter 7 or a Chapter 13 Bankruptcy, depending on your financial circumstance. We can help you to get rid of harassing creditors and get the relief you so desperately need.
Bankruptcy is a blessing in disguise! Here is the wonderful chance to legally wipe the slate clean of all of your unsecured debts and start all over again.

How long does the bankruptcy process take?

Once the bankruptcy has been filed with the court, and all of the documents requested by the Trustee have been submitted and approved, the process could take as little as 3 months, sometimes less.

What happens if I am being garnished?

The faster you file for bankruptcy, the faster garnishment will stop! Your employee will be immediately advised of the bankruptcy case number and the garnishment should stop immediately.

What if my car is repossessed?

If you have filed bankruptcy and have a case no. prior to the repossession of your motor vehicle, and you wish to keep the car, the bankruptcy court will order the return of the vehicle. However, you must re-affirm the auto debt with the creditor.

How will I know If I am eligible to file for bankruptcy?

Your bankruptcy assistant service will conduct a means test. Once your income and expenses have been ascertained, your legitimate expenses exceed your income, the size of your family is taken into consideration, and you have not filed for bankruptcy in the past 8 years, you may be eligible for bankruptcy.

Can I file for bankruptcy without my spouse?

Yes. One spouse may petition the court for a bankruptcy, but if you are still living with your current spouse, that spouse's income will be taken into consideration when determining monthly income and your eligibility for filing bankruptcy.

How long will bankruptcy affect my credit?

Once you have received a discharge from the bankruptcy court, some individuals have been able to obtain fresh credit shortly thereafter, since the wiping off of our debt drastically increases your FICO scores. So, some are able to purchase a home within 2 years, and even purchase a new car within months after the discharge.

Will I lose my house or my car?

You can keep your house and car. But you must be regular with your payments.

Emergency Filings

If you have received a Notice of Trustee’s Sale, call us today at (619) 202-0364.

Our team is here to assist you with filing bankruptcy. Emergency filing services are available late evenings and weekends by appointment.

Payment Plans Available

We understand that you are already burdened down with debts, and have no desire to become the proverbial straw that broke the camel’s back. In times such as this, bankruptcy attorneys need to be attentive, compassionate, and extend as much assistance as humanly possible.

From the very first time in our office, you will immediately begin to experience relief from our cheerful and understanding demeanor. A small down-payment of as little as $100.00 will start the process.