The process of filing for bankruptcy can be frustrating and time consuming, but an experienced attorney can make it as straightforward and simple for you as possible.
It is important for anyone considering filing for bankruptcy to carefully consider their legal options. For more than 30 years, attorney Ronald Pullen has been helping clients throughout San Diego County with complex legal problems. To find out more about your bankruptcy options, contact a Chula Vista filing for bankruptcy lawyer.
Filing for Bankruptcy: Things to Consider
If you answer "yes" to any of these questions, filing for bankruptcy may be the right option for you:
- Have job loss, medical problems, or another circumstance put you in dire financial straits?
- Are you tired of being harassed and threatened by creditors?
- Are you struggling to make minimum payments on your credit card bill?
- Are you facing foreclosure, repossession, or other credit actions?
Many people worry that bankruptcy will ruin their credit. However, if you need to file for bankruptcy, your credit may already be damaged. While a bankruptcy will temporarily affect your credit, for many people it is the best way to start rebuilding good credit.
Your Bankruptcy Options: Chapter 7 and Chapter 13
Not everyone is eligible for Chapter 7 bankruptcy. In order to determine eligibility, it is necessary to pass a bankruptcy means test. This test considers an individual's monthly income for the past six months, as well as other factors. Through Chapter 7 bankruptcy, your unsecured debt can be discharged.
An individual who is not eligible for Chapter 7 can still file Chapter 13 bankruptcy, which consolidates debt. In Chapter 13, a repayment plan is established which typically lasts three or five years. In that time, a certain percentage of debt is repaid.
The Law Office of Ronald Pullen can help you through the process of filing Chapter 7 or Chapter 13 bankruptcy. We can explain how bankruptcy stops foreclosure, stops garnishment, and offers other protections. We can also help you determine which type of bankruptcy is right for you.
Contact a San Diego County, California, Bankruptcy Means Test Attorney
Our 30 years of experience, constant accessibility and aggressive representation can be your best friends when facing bankruptcy. Get real advice from a real attorney who cares about solving your debt relief problems.
Contact a San Diego County, California, bankruptcy lawyer for your free initial consultation.
The Law Office of Ronald Pullen
355 K. Street, Suite O
Chula Vista, CA 91911
FREE CONSULTATIONS AVAILABLE NOW
Phone: (619) 591-8244
Toll Free: (866) 702-6660
Fax: (619) 426-5261
The Law Office of Ronald Pullen represent clients throughout the city of San Diego and San Diego County, including the cities of Chula Vista, Bonita, South San Diego, South Bay, Coronado, National City, Imperial Beach, East Lake, and San Diego Bay.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
