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Long Beach Bankruptcy Attorney

In today's economy, bad things sometimes happen to good people. When families lose jobs or the expense of driving to work conflicts with the working wage, there are often too many bills and not enough money. When this happens, the only solution may be to file for bankruptcy. If you are not sure if your situation is bad enough to need help, contact a Long Beach Bankruptcy Attorney who will look at the facts and help you make the right choice.

There are two basic types of bankruptcy - the first is Chapter 7 and this will wipe away most debts and help you regain your financial footing. The second type is Chapter 13 bankruptcy and under this form you will pay back a specific amount of money to your creditors - usually just a fraction of what you owe. The benefits of this type of filing is you are able to retain more of your property and future lenders may see it as more responsible then Chapter 7 bankruptcy. Although, Chapter 7 bankruptcy will help you get a fresh start and leave you with little to no stress about money.

The best way to find out if you qualify to file for bankruptcy under the new laws is to speak with a knowledgeable Long Beach Bankruptcy Attorney. Once you have explained your situation and documented all of your bills and expenses, the attorney will help you make a decision about the next step to take. If you are nervous about going to court and facing a judge, your bankruptcy attorney will be able to take care of much of the paperwork for you. The attorney will also be with you when you see the judge and help to advise you on the best choices to make about your financial future.

Depending on the types of bills you owe, the bankruptcy attorney can help you figure out whether you need to file for Chapter 7 or Chapter 13 proceedings. If you owe credit card bills and medical bills, Chapter 7 may be the best option. If you owe money for student loans or money on your house, a Chapter 13 bankruptcy may be the best choice. No one likes to think about the possibility of not being able to pay all of the bills and retain the home they have lived in for years. When you work with a knowledgeable Long Beach Bankruptcy Attorney, you may be able to keep all of your property and have the slate wiped clean.

Whether you are in a serious financial situation or you know someone else who needs help, talking with a bankruptcy attorney will make you feel better. The average person probably does not understand the bankruptcy laws and the rights due to the debtor. Creditors are often obnoxious and make harassing phone calls and may even garnish your wages. If this is happening to you, contact an attorney you can trust and begin working on taking care of your financial obligations and getting on with your life.

Your Long Beach Bankruptcy Attorney is Ready to Help.