Is Bankruptcy Right For Me?

Valencia Bankruptcy Attorney

If you are facing more bills than you can pay or are suddenly hit with large medical expenses that exceed your income, you may be looking for some kind of debt relief. While everyone's financial circumstances are unique, you should find out whether you qualify for the protection and debt relief that is provided by bankruptcy. To learn more, speak to a Valencia bankruptcy lawyer at RJB Law Offices. Get a free consultation and find out how bankruptcy could eliminate all of your unsecured debt and protect you from any further harassment from your creditors.

Our offices have helped thousands of clients resolve their financial woes through bankruptcy. We can discuss your financial situation and advise you on what your best options are. Chapter 7 bankruptcy can protect most or all of your personal assets, including your home, car and possessions while wiping out all your credit card and other unsecured debts completely. Chapter 13 bankruptcy will allow you to keep your home and business and reorganize your debts so that you can repay them with no added interest over an extended amount of time, up to five years.

Bankruptcy Lawyer in Valencia

You may be concerned about how bankruptcy will affect your credit. The truth is, if you are currently behind on your payments, using one credit card to pay another or are facing repossession or foreclosure, your credit is already ruined. Wiping out all your debt (chapter 7) or paying them all off (chapter 13) will actually improve your credit rating and many people are able to get a new credit card within a few months or even a mortgage within a few years after completing bankruptcy. In addition, while protecting your home from foreclosure or your possession from repossession, your creditors will no longer be allowed to contact you in any way. Knowing that such creditor harassment will stop and that you can plan a new financial future, free from debt, can be a tremendous relief. Bankruptcy is not for everyone. There are other methods of dealing with foreclosure or resolving high debts and we will explain all your options when we meet with you.