Chula Vista Bankruptcy Attorney
Are you looking for a Chula Vista Bankruptcy Attorney? If so, contact The Law Offices of David Gutierrez in order to find out more about the services that we have to offer!
David Gutierrez is a top rated bankruptcy attorney in San Diego who knows how to get results. The professional and experienced staff at the Law Offices of David Gutierrez will help guide you through the bankruptcy process.
Why should you call the Law Office of David Gutierrez?
Free Bankruptcy Consultation. The Law Office of David Gutierrez offers free bankruptcy consultations where an experienced attorney will pull a free credit report and review your financial history. That’s right; at no charge we offer a free consultation to determine whether bankruptcy is the right choice for you. We will not charge you a penny unless you actually need and want to file bankruptcy. Surprisingly, there are other alternatives out there, but only an experienced attorney can tell you for certain if filing bankruptcy is the right choice for you. If you decide to file bankruptcy an experienced attorney can also tell you about your legal rights, what’s expected of you, and what to expect in the future.
Flat fee. If you decide you to file for a bankruptcy, we read the retainer agreement together and set up a detailed explanation of what fees will be involved and how much the entire process will cost. There will be no hidden fees or charges. We offer a flat rate contract so there will be no last-minute bills for hidden fees or hourly charges. What you see is what you get. For a free consultation and pricing details please call the Law Office of David Gutierrez.
Flexible Payment Plans. We understand you are going through a financial hardship and offer very flexible payment plants. Monthly payments and due dates are entirely up to you. We will not call or harass your asking for payment.
Stop Harassing Creditor Calls. We become your legal representatives the moment you sign a retainer agreement with The Law Office of David Gutierrez. Our experienced staff will take over all creditor communication. This provides peace of mind to a lot of people who are increasingly agitated and stressed out by all phone calls, letters, and e-mails they receive from creditors. Client’s feel at ease knowing that we are handling it.
Stop Law Suits, Garnishments, and Foreclosures. Filing bankruptcy filing bankruptcy freezes all action against you to collect on any debt. The Law Office of David Gutierrez can help you stop a lawsuit, garnishment or foreclosure.
Electronic Filing. Our office will file the necessary paperwork electronically after an experienced bankruptcy attorney reviews and verifies the bankruptcy petition with you. Electronic filing saves you time and money.
Attending One Hearing. We do not throw you to the wolves. Instead we go with you to your initial bankruptcy hearing. This is usually the only appearance you will have to make. You are asked a few questions pertaining to your legal name, employment and if all of your debts have been listed. Then the case can proceed. An experienced San Diego attorney will do the rest.
Getting rid of your Debt! A Chapter 7 bankruptcy will discharge your debts. This means you will no longer be responsible to pay your debts. Some people want to hold onto certain debts, like their daughter’s college laptop or the family mini-van. The Law Office of David Gutierrez can help you protect those debts you want to keep and discharge the debts you can no longer afford to pay.
In a Chapter 13 bankruptcy we will help you restructure your debt into an affordable payment plan. The money you owe will be repaid over time.If you need to file for bankruptcy than you need the services of a law firm like the Law Office of David Gutierrez. Our professional legal staff will work with you on a case by case basis in order to determine if filing for bankruptcy is the right choice for you. We will work closely with you to ensure your bankruptcy is a smooth and painless process.
Should You File for Bankruptcy?
There are many different factors that come into play if you are considering filing for bankruptcy. First of all, your immediate economic status and financial needs will be taken into consideration. The legal staff will thoroughly review your financial situation to determine whether you need to file bankruptcy and, if so, what type of bankruptcy best suits your needs.
Two choices for individuals filing bankruptcy: Chapter 7 or Chapter 13. A corporation or a partnership can find bankruptcy relief under Chapter 7 or Chapter 11. If married, you can file for any of the applicable chapters jointly or individually. Bankruptcy is not always the best option.
OPTIONS TO REPAIR OR REBUILD CREDIT:
The best way to build or repair credit is by paying off your debts. If you are in default, and want to get back on track with your payments, it may be too late to do so depending on how long it has been since your last payment, and who you are dealing with. In most cases, payments are no longer accepted after a creditor referrers your account to a collection agency. Collection agencies may try to reach an agreement with you for a lump sum settlement of your account. Most people find paying a lump sum is not a viable option.
You may be eligible for debt consolidation. This is where an agency negotiates directly with your creditors to reduce the debt. The borrower will then pay the agency one payment instead of having to keep track of all debts separately. Many agencies claim to reduce your debt, but if you’re not careful you may end up paying just as much or more than your original debt because of hidden fees and costs.
Another option is Debt Renegotiation. Usually an Attorney or legal service will represent you and attempt to negotiate your debt down to an affordable lump sum payment. As mentioned with debt consolidation there are fees involved and if you are not careful you may end up paying more than necessary.
You can always access your creditors’ information on your credit report and contact them directly to negotiate.
WHAT IS CREDIT?: Credit, in a nutshell, is using someone else’s money to obtain goods and services now and then paying it back over time…with interest. Using a credit card, obtaining a home loan, or receiving medical services on a payment plan are all examples of credit. When dealing with credit, you (the consumer) are considered the debtor, or borrower, and the bank or financier is considered the creditor or lender.
SECURED v. UNSECURED CREDIT:
“Secured” means that the property or money is used as collateral. Car, home, or furniture loans are examples of secured credit. If you fail to pay, the bank or lender may “repossess” your property and you forfeit all the money that you had already invested into the loan.
Unsecured Credit is basically credit extended to you without collateral and solely based on the lender’s good-faith that you will repay the amount borrowed. The way that they decide how “trustworthy” you are is by looking at your credit score. Anyone can do this by looking at your credit report.
About Chapter 7 Bankruptcy
Chapter 7 bankruptcy is the quickest and cheapest way to clear your financial slate. In short, your debts are discharged and there is no requirement to repay unsecured debt. However, some of your un-exempt assets may have to be liquidated. Also, if your income is too high you may not be eligible for Chapter 7.
How Long Does it Take
Chapter 7 Bankruptcy normally take three months process from the day you file. A case number, Trustee and court date are assigned to you when you file
About Chapter 13 Bankruptcy
A Chapter 13 bankruptcy allows you to keep all of your assets, but you are required to pay back your debt, or at least pay back a significant portion of them over a predetermined amount of time. You have to continue paying on your debt for between 36-60 months.
About Chapter 11 Bankruptcy
A Chapter 11 bankruptcy is specifically for businesses though some individuals will qualify for Chapter 11. A Chapter 11 bankruptcy is incredibly complex and convoluted but offers the filer much more flexibility than either Chapter 7 or Chapter 13.
As you can see, there is a great deal to consider if you are looking to file for bankruptcy. Why make things more difficult than they have to be? By contacting The aggressive, proven bankruptcy law firms in San Diego you will be taking an important step in ensuring that your future is free from any unnecessary financial burdens. So contact us today and let us help you make the right choice.