Los Angeles Chapter 7 Consumer Bankruptcy Attorney
Help from a Los Angeles Personal Bankruptcy Attorney
Many hard-working people run into financial difficulty through no fault of their own. A layoff, a divorce, or major medical problem can push you to your financial limit.
But you do not have to suffer financial hardship. With a Chapter 7 personal bankruptcy filing, you can get debt relief, more disposable income, and stop the threat of foreclosure or repossession.
You do not have to worry about how you will ever get out from under the bills and debts you owe. You can face the future with hope and optimism again. Resnik Hayes Moradi LLP can help you take control of your financial future.
Call our Chapter 7 bankruptcy lawyers in Los Angeles at (213) 344-0043 today to schedule your 30-minute risk-free consultation.
Do I Qualify for Chapter 7?
Not everyone is eligible for Chapter 7, as it is typically reserved for low-income debtors who may not be able to afford repayment plans under Chapter 13. In order to qualify for Chapter 7 bankruptcy, you must pass the Chapter 7 Means Test, which compares your monthly income with the median income for a household of your size in your state.
- If your income is less than the median, then you pass the Means Test and are eligible to file for Chapter 7.
- If your income exceeds your state's median for your household size, then you do not qualify for Chapter 7. You may opt for Chapter 13 or consider waiting until your income is low enough to qualify for Chapter 7.
Resnik Hayes Moradi LLP can evaluate your situation in a 30-minute risk-free consultation. We may recommend a Chapter 7 filing or a Chapter 13 filing. Both options can lift your debt burden and give you a new financial life.
The Benefits of Chapter 7
Chapter 7 personal bankruptcy is ideal for people without significant assets who have hit a bump in the road and want a fresh start. After a brief meeting with an attorney at our firm, we may be able to file your case and immediately stop creditor harassment and calls from collection agencies.
With a Chapter 7 filing, you can say goodbye to:
Credit card debt
Tax bills more than 3 years old
Garnishment and the threat of foreclosure and repossession
Other unsecured debts and obligations
Free up income that used to go toward interest and late fees
Keep your house, car, and personal possessions if you are current in payments for them
Begin rebuilding your credit rating
Start a new financial life
Resnik Hayes Moradi LLP charges convenient flat fees and offers long-term payment plans for those that qualify. We devote our practice solely to bankruptcy, so we can provide skilled and knowledgeable services in an efficient manner.
With the help of our Chapter 7 bankruptcy lawyers in Los Angeles, in just a short period of time you may bay be able to eliminate unsecured debts and get tax debt relief and be on the way to a more secure financial future.
For a 30-minute risk-free consultation with a personal bankruptcy lawyer at Resnik Hayes Moradi LLP, contact us today. Our firm serves clients in the Los Angeles area and San Fernando Valley through offices in Sherman Oaks and Los Angeles.
He not only saved my house but also got rid of all my debt. They are not your typical attorneys and their creativity really allowed me to do things that other attorneys never mentioned in previous consults.- David K.
He negotiated on my behalf with a credit card company and was able to settle with them for much lower than I could have on my own.- Kelly S.
I cannot thank them enough for helping save my home. I would recommend them for anyone that is thinking about filing for bankruptcy or foreclosure on their home.- Joseph R.
These are top-notch pros that'll have your back. I cannot recommend them highly enough.- Tim C.
They were thorough, extremely knowledgeable, wonderful to deal with, thoughtful, and really helped guide me through what was one of the toughest times in my life.- Rusty H.