One of the reasons many debtors filed for chapter 7 is to protect them against debt collection harassment. If you’re considering filing, you should first talk to our chapter 7 lawyer in Irvine to know about your rights. You must consult an experienced lawyer to know whether or not chapter 7 is the right thing to do. These lawyers are familiar with the rules regarding this type of bankruptcy and know how to protect you.
Chapter 7 Lawyer in Irvine Can Stop Debt Collectors from Harassing You
It makes sense to feel nervous whenever your phone rings because the caller might be from a debt collection agency. However, you don’t have to put up with the harassment anymore when you hire a lawyer. Furthermore, you’re protected through the Fair Debt Collection Practices Act. It protects all consumers, including you. Now, if your collectors are violating this law, then you should talk to an experienced lawyer to find legal remedies. Although your lawyer can protect you against harassment from debt collectors, you should have a plan on how to pay for your debt. Our chapter 7 lawyer here will give you personalized assistance on how to tackle your situation.
Should You File for Chapter 7 Bankruptcy?
In order to determine this, it’s perhaps best that you talk to our chapter 7 bankruptcy attorney. In that way, your situation can be properly assessed. Keep in mind that just because you have accumulated over $10,000 dischargeable debt, doesn’t mean that chapter 7 is your best option. However, this type of bankruptcy is the ideal choice if you have aggregated at least $10,000 dischargeable debt and you can’t repay it. Although you can pay it, it takes years for you to settle the amount. If this is your case, you might wish to consider chapter 7. It is a more ideal debt solution for you.
But there are several situations that must be considered. For instance, if you don’t have expensive property, then this chapter is ideal because you can keep your property and belongings during the process. Furthermore, if you have a credit score of less than 600, as you have used up all your credit cards, then chapter 7 might not be a bad idea. Then again, it is ideal that you talk to a lawyer about it.
Some people are filing for chapter 7 because they simply want to stop their debt collectors from harassing them. As mentioned earlier, this chapter might not be ideal for everyone. Even if you have a debt of more than $10,000, chapter 7 isn’t still ideal. That’s why you have to talk to a lawyer to know what’s best for your situation.
Understanding Your Situation
You may not be eligible for chapter 7 because you have received a discharge in a case that you filed less than eight years ago. But you filed it anyway. If that happens, the court will dismiss your case and you may not have a chance of filing the right type of bankruptcy. That’s why it’s vital that you talk to a chapter 7 lawyer in Irvine before you even make a move. Call our law firm today to consult our lawyer at (323) 524-2123.