Chapter 7 Relief
Chapter 7 Bankruptcy AttorneyContact the Law Office of Gary D. Greule in Citrus Heights, California, if you need help with debt relief under Chapter 7 of the Bankruptcy Code. We can guide you through the personal bankruptcy process and provide assistance with specific debt problems such as wage garnishment, house foreclosure, vehicle repossessions, or medical bills. Since the Bankruptcy Code amendments that went into effect in 2005, the choice between Chapter 7 bankruptcy (sometimes called straight bankruptcy) and Chapter 13 bankruptcy is seldom determined by application of the "means test." A debtor is eligible for Chapter 7 debt relief under the new bankruptcy laws if the debtor's household income is below the median income of households of the same size. Even if your annual income is more than the applicable median income, you may still qualify for relief under Chapter 7. We'll work closely with you to identify any factors which may demonstrate your eligibility for Chapter 7 bankruptcy. Since the means test came into effect, we've been able to file Chapter 7 bankruptcy cases for many clients who initially thought they were eligible only for Chapter 13 bankruptcy. The advantages of Chapter 7 bankruptcy over Chapter 13 bankruptcy can be significant. For example, under Chapter 7, you can obtain a discharge of most of your debts, subject to some important exceptions, which means that you will receive a chance for a fresh start in as short as four months. However, under Chapter 13, the debtor needs to make monthly payments into a repayment plan and may not get a chance to rebuild for several years. Sacramento Chapter 7 bankruptcy lawyer Gary Greule's clients appreciate his careful and informative approach to their cases. He works closely with you before the case is filed to make sure you understand all of your rights and responsibilities. He'll explain how bankruptcy's automatic stay protects you and provides immediate relief from creditor harassment and debt collection activities. Most of all, he concentrates on thorough analysis and preparation from your initial consultation forward so that once your bankruptcy petition is filed, the risk of difficulties and unpleasant surprises is practically nonexistent. For a free initial consultation about your ability to obtain Chapter 7 bankruptcy relief, contact Sacramento Chapter 7 bankruptcy attorney Gary Greule. We are a debt relief agency. We help people file for relief under the United States Bankruptcy Code. |
