Debts-Relief

Simply put, if your income is below applicable state median ($44,499 for 1 earner and up to $72,571 for family of 4, in the state of California), and you either have no asset or all of your asset is exempted under the state law, you may be qualified to file Chapter 7. If you have income more than the state median, then a "means test" will be applied to determine whether the chapter 7 filing is "presumptively abusive." Chapter 7 is also called straight bankruptcy, allows you to wipe out all of your dischargeable debts. The debtor may be an individual, a partnership, a corporation, or other business entity. 

Our fee for chapter 7 varies depending on the complexity of your case. After we have reached an agreement, you may pay by Paypal. The Paypal button below allows you to pay us a deposit of $1,000. You may also pay your balance by Paypal.

If your income is above median in your state, or if you have asset that is not exempted, and you have a regular income, you may be qualified to file a chapter 13. Chapter 13 is also called wage earner's plan. It requires you to pay a fixed amount per month over 3 or 5 years. To qualify for this chapter, your secured debt must not exceed $1,010,650 and your unsecured debt must not exceed $336,900 (applicable from April 1, 2007 thru March 31, 2010, adjustable every 3 years by CPI).

Any individual, even if self-employed or operating an unincorporated business, is eligible for chapter 13 relief.

Chapter 13 is frequently used to stop foreclosure proceedings, and the delinquent mortgage payments  may be cured over time.

Please check with us on fee we charge. Paypal below allows you to make a deposit of $1,000. 

Chapter 11 is a complicated process. It is also called business reorganization. Call us for more details. 

Button below allows you to make a deposit of $5000 after you have signed an retainer agreement with us. 

Sometimes, it is better to negotiate with your creditors to reduce the balance of your debt. This is a better solution when your asset exceeds liability, and bankruptcy is not an option for you. 

We charge $500 for each credit card negotiated. 

We are a full service debt relief law firm. We provide other options to resolve your financial problems, such as asset protection, financial planning or initiating or defending your lawsuit.

If you are a creditor wishing to investigate the financial condition of a debtor or thinking of filing a motion to lift an automatic stay, or a motion for non-dischargeability, give us a call.