An Experienced, Ethical Family Law And Bankruptcy Lawyer

Chula Vista CA Chapter 7 Bankruptcy Lawyer

A Fresh Start For Your Finances

Imagine a life without financial concerns, sleepless nights and the constant harassment of bullying creditors. Imagine a life where interest and late fees are not being added to your already burdensome debt, and where letters demanding payment are not filling your mailbox. Imagine a solution to your financial woes.

For many San Diego County residents who come to the bankruptcy law firm of Victor Mordey, a Chapter 7 bankruptcy filing can be the legal cure for what financially ails them.

It is possible to secure a financial “do-over” through Chapter 7 bankruptcy. Do not live another day with the stress of overwhelming credit card debt and medical bills. Contact our California office at 619-409-7900.

Is Chapter 7 Bankruptcy Right For You?

Chapter 7 is an individual bankruptcy option that discharges debt from credit cards, personal loans and income taxes. It can also help victims of predatory lending who are now facing home foreclosure.

While a Chapter 7 debt liquidation should not be taken lightly and should only be pursued after every other option is exhausted, time is still of the essence. The longer you wait the more debt you accumulate through penalties from your creditors.

Providing You a Personalized and Dignified Process

At the bankruptcy law firm of attorney Victor Mordey, you will receive personal attention and a tailored legal approach to Chapter 7 bankruptcy. As your lawyer, I can explain to you how Chapter 7 bankruptcy can play a central role in your financial recovery. Let me explain to you how filing a Chapter 7 bankruptcy can actually improve your credit.

You have my personal pledge that your case will never be passed along to an associate or paralegal. You will work directly with me throughout the legal process.

Addressing Common Chapter 7 Bankruptcy Questions

Chapter 7 is a powerful but complex method for addressing debt struggles. Having the right information is crucial when deciding whether it is the right route to a fresh start for you. You can find the trusted guidance you need here at the Law Office of Victor Mordey. I am a knowledgeable, ethical Chapter 7 bankruptcy attorney committed to helping clients in Chula Vista and San Diego County with their debt relief needs. Below, I go over some frequently asked questions regarding Chapter 7 bankruptcy.

Do I qualify for Chapter 7 bankruptcy?

There are several requirements you must meet to file for Chapter 7 bankruptcy, including:

The means test: You need to pass this test, which is based on your income and expenses
Timing: For one, at least eight years have to have passed since your last Chapter 7 filing
Precounseling: You must complete a credit counseling session from an approved agency

A skilled bankruptcy lawyer can help you determine your eligibility for Chapter 7.

Can all my debts be discharged in Chapter 7?

Debt discharge is a key benefit of Chapter 7 bankruptcy, but not all debts are eligible for it. Typically, child support, alimony, and some tax debts cannot be discharged. Additionally, some debts, like student loans, are very difficult to discharge. So, the types of debts you hold can influence how effective a solution Chapter 7 bankruptcy would be for you.

Will I lose my property in a Chapter 7 bankruptcy?

Liquidation of assets is a common element of Chapter 7 bankruptcy. However, you can protect your property through exemptions. These are exceptions to liquidation that allow you to keep certain assets. In California, you can choose between two sets of exemptions. Picking the right exemption set for your situation can help maximize property protection.

Contact My Chula Vista Law Office

Let’s sit down and discuss how Chapter 7 bankruptcy methods can work to your advantage. Come to my law office for a free initial consultation that could change your life. Call 619-409-7900. I speak, read, and write Spanish fluently. I offer low retainers and payment plans when needed. Credit cards accepted.

Learn how you can use the interaction between family law and bankruptcy to your advantage.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.