A San Jose Bankruptcy lawyer can help if you are having financial difficulty and you’re looking for relief. You may be resisting bankruptcy because you’re afraid of what will happen if you file for it. Don’t be afraid. Bankruptcy lawyers have been through this many times with many clients and will make it as painless as possible. The Bankruptcy Code is complicated and you could make a costly mistake without a Bankruptcy lawyer to guide you through the muddy waters.

One of the things you’ll need advice about is which Chapter to file under. Chapter 7 is for individuals who would like to discharge their debts. If you do not qualify for the Chapter 7 means test you may be required to file for Chapter 13. Additionally, it may be better for you to file under Chapter 13. For example, you may be able to save your home and get out from under your debts by means of a reasonable catch-up payment plan. A Bankruptcy lawyer will help you decide which option is best for your needs. He can also guide you through the filing so you can make sure that your application is filed correctly. Furthermore, if you have owned a business your Bankruptcy lawyer will help you determine whether your debts are primarily “consumer” debts or “business” debts, which will determine if Chapter 7 Bankruptcy is your best option.

Contact us at info@california-bankruptcyattorney.com or via phone at 888-589-1977 for a free consultation.