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Chula Vista Chapter 7 Lawyer

Providing Liquidation Bankruptcy Counsel

Chapter 7 bankruptcy, also known as liquidation bankruptcy, allows petitioners to liquidate their non-exempt assets to satisfy some of their outstanding debt and discharge most of the rest. Once a debt is discharged, you no longer have any legal obligation to pay it back. No more monthly payments - the slate is wiped clean.

Many debtors are initially worried that they will lose all personal possessions such as homes or cars.
However, this is not always the case. Very few Chapter 7 cases have any liquidation whatsoever, and likewise, very few of our clients ever lose any of their assets. Additionally, unlike other forms of bankruptcy, you will be able to retain your future income.

undefinedWhat Sets Denton Law Group Apart?

  • Free case evaluations
  • Accreditation by the BBB
  • Over 25 years of experience
  • Dedicated advocates with a track record of success
  • Committed to going the extra mile in building long term, lasting debt solutions

Want to know if filing for Chapter 7 bankruptcy is right for you? Contact us today at (619) 458-3739!

undefinedIs Chapter 7 Bankruptcy Right for You?

Chapter 7 is a bankruptcy for individuals commonly used to discharge debts from credit cards, income taxes, and personal loans.

Filing for Chapter 7 can eliminate the following types of outstanding debt:

  • Credit card debt
  • Medical bills
  • Utility bills
  • Past due rent
  • Certain taxes

However, under the California Chapter 7 bankruptcy laws, filing cannot eliminate certain types of debts.

Debts that cannot be eliminated by Chapter 7 include:

  • Child support or alimony
  • Student loans
  • Several types of taxes
  • Fines owed to government agencies
  • Criminal restitution fines

Additionally, debtors filing for Chapter 7 in Chula Vista must use California's bankruptcy exemptions when it comes to protecting their property. The state of California offers two systems for their exemptions - §704 and §703.140(b).

If the majority of your debts fall into one or more of these categories, or you have concerns about losing your nonexempt property, a Chapter 7 bankruptcy may not be the right option for you.

Manage Your Secured Debt with Chapter 7

Your liability on your secured debt, such as your home mortgage or car loan is dischargeable in Chapter 7 bankruptcy. However, you don't get to keep your house or car if you don't continue to make your payments.

Your Chapter 7 bankruptcy options to address secured debt include:

  • Relinquishing property and walking away free and clear
  • Reaffirming the debt and continue to make monthly payments, often at renegotiated terms
  • Redeeming the property by paying it off in one lump sum at fair market value

Unfortunately, credit collection agencies are well-known for their devious tactics and false threats. With Chapter 7 bankruptcy protection, you don't have to be intimidated! At Denton Law Group, our insightful bankruptcy attorney in Chula Vista can describe your available options, including Chapter 7, Chapter 11, and Chapter 13 bankruptcy, to help resolve your secured debt and guide you in determining which debt relief route would work best for you.

Additional Benefits of Chapter 7 - Automatic Stay

In addition to discharging several common debts, filing for Chapter 7 can also provide you with quality of life benefits. Primarily, filing for bankruptcy puts an automatic stay on your debts, preventing further collection activity. This includes everything from wage garnishments to contact from creditors.

Obtain Your Fresh Financial Start Today!

Declaring Chapter 7 bankruptcy provides a way to eliminate most of your debt and to gain a financial fresh start. At Denton Law Group we offer the unwavering support you need to navigate the complex bankruptcy courts. Our supportive bankruptcy lawyer can be your debt relief advocate and provide the knowledgeable counsel and personal guidance you deserve throughout your entire process.

We offer all our new clients a free and confidential consultation. Contact our firm today to get started rebuilding your financial future!

  • Frequently Asked Questions

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  • Helpful Bankruptcy Advice

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  • Myths About Bankruptcy

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Client Testimonials

We've Helped Clients Just Like You Move on From Debt
  • “I couldn't be any happier with Kerry and the Denton Law Group!!”

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  • “After he resolved our debt issues my wife and I were able to breath again.”

    Marco B.

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    Leonard Antick

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  • “I truly appreciate everything he did for me.”

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  • “I received so much one on one help from Mr. Denton”

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  • “... with Mr. Denton’s help and knowledge I was able to... get myself out of debt rather easily.”

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