Orange County Bankruptcy Lawyer

Filing for Bankruptcy

Many individuals in Orange County are facing debts that they are unable to pay.  Most people do want to pay their debts, but the loss of a job, an inability to refinance a mortgage or other factor can make it impossible to pay off the mountain of debt.  You may have the phone ringing days, nights and weekends with debt collectors harassing you for payments.  Nothing can disturb your family or your relationships more than financial problems.  In such cases, it may be the best option for you to file bankruptcy.  If you are considering filing for bankruptcy, it is crucial that you get the assistance of an Orange County bankruptcy lawyer.  Filing for bankruptcy is a complex procedure and having a skilled lawyer from the Law Offices of J. Arthur Roberts assisting you will ensure that it is done correctly.

Bankruptcy Attorney in Orange County

You may be eligible to file Chapter 7 bankruptcy.  In order to determine whether you can file, you will need to take a “means test.”  This test will determine whether you are able to file Chapter 7, which will discharge your debt.  You will no longer owe for any of your debts other than certain debts that cannot be discharged by Chapter 7.  Some of the debts that cannot be discharged in California include student loans, alimony, child support and certain taxes.  When you are considering bankruptcy, it is strongly advised that you get the help of an attorney from the Law Offices of J. Arthur Roberts.

If you do not qualify for Chapter 7 due to having too many assets or too much income, you can file Chapter 13.  This bankruptcy filing gives you the opportunity to reorganize your finances and pay off overdue debts over time, usually between 3 – 5 years.  This can be a very good option for those who have gotten into out of control debt, but still have a job and a paycheck.  This is not an option for corporations or partnerships.  Take advantage of the years of experience of the Law Office of J. Arthur Roberts and get legal advice on the best approach to legally address your financial crisis and solve it to the best effect.

Contact an Orange County Bankruptcy Attorney from the Law Offices of J. Arthur Roberts when you face uncontrollable debt and are considering filing for bankruptcy.