Bankruptcy in Rancho Cucamonga

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Filing for bankruptcy can be a difficult situation to face, but when you work with Atlantis Law, you will be working directly with a trusted and experienced bankruptcy lawyer who always has your best interests in mind. Many people have a negative reaction towards bankruptcy, but the bankruptcy lawyers at Atlantis Law make filing for bankruptcy a positive experience. The team strives to provide each and every client with personalized service and one-on-one attention to make sure that each client's needs are met. They believe in doing the job right the first time and take all the precautionary steps to make sure that all the necessary information is included in the bankruptcy petition.

This philosophy is demonstrated in the firm's complicated Ch.7 with tax debt, EDD & SSI overpayment, business debt and business BKs, The moment you retain their services, Atlantis Law's lawyers will work with you to identify and prioritize your problems and goals, both for the short term and long term. The team will then devise an effective plan to help you reach your desired outcome. If you are facing any of the following problems or have questions or concerns regarding any bankruptcy situation, do not hesitate to contact a Rancho Cucamonga bankruptcy lawyer from their team to learn more!

Chapter 7
Chapter 7 bankruptcy is also known as liquidation bankruptcy, or a complete bankruptcy. When you file for Chapter 7, all non-secured debts will be discharged and you will be given the chance to gain a fresh financial start on your future.

Chapter 13
When you file for a Chapter 13 bankruptcy, you can still keep your home, car and other personal belongings. Instead of liquidating assets, you will work with the bankruptcy court to adjust your payments on your debts and make small payments toward paying off loans.

Debt Settlement
Debt settlement can be a valid option for individuals to repay debts in a timely manner. When you plan to use settlement, you will work with a creditor to reach an agreement for a reduced balance that will be paid off. When this balance is paid, the payment will be regarded as paid in full.

Discharging Debt
Filing for bankruptcy can be a great way to discharge debt . When you file, almost all non-secured debt can be eliminated. In a Chapter 7 bankruptcy, your discharge can happen within months after filing and in a Chapter 13 bankruptcy, discharge will happen when all payments are complete.

Foreclosure Defense
Did you know that filing for bankruptcy can actually provide relief to foreclosure? If you are facing foreclosure or the foreclosure process has already begun, you can file for bankruptcy and put an immediate halt on the foreclosure process.

Short Sales
Short sales can be an option for individuals facing high amounts of debt. Many people who decide to act on a short sale do so because their property values are decreasing and their mortgages are saying the same. In a short sale, you can eliminate your mortgage debt and not be penalized.

Alternatives to Bankruptcy
There are many alternatives to filing for bankruptcy. If you do not qualify or you are seeking a different route than a Chapter 7 or Chapter 13 bankruptcy, speak with a trusted attorney from Atlantis Law to determine the best option for you.

Bankruptcy and Credit Scores
While filing for bankruptcy can be a great option, it will impact your credit score . Depending on the chapter that you file under, your credit could reflect a bankruptcy for up to 10 years. Learn how to rebuild your credit after bankruptcy by working with Atlantis Law.

Wage Garnishment and Bank Levies
Wage garnishing and bank levies are a legal source of reducing your income in order to pay a debt. Lenders can go to a court to receive an order that will begin to withhold wages or freeze bank accounts of consumers. If you are facing any of these complications, you may consider filing for bankruptcy.

Fair Debt Collection Practices Act
Did you know that it is illegal for a creditor or collector to continually call you and harass you? All collection attempts must abide by the Fair Debt Collection Practices Act. If you feel your rights are being violated by a collector, you need to work with an attorney.

Do I qualify for bankruptcy?
In order to qualify for a Chapter 7 bankruptcy you will need to take the bankruptcy means test . This test will determine your disposable income and help determine which chapter of bankruptcy may be right for you to file under. An attorney from Atlantis Law can help!

What can I keep in bankruptcy?
Many people feel concerned that filing for bankruptcy will mean that they will automatically lose everything; however, this is not always the case. There are certain items that you can retain and others that need to be sold. Working with Atlantis Law can help determine what you can keep in bankruptcy.

Contact Atlantis Law today!

When you work with Atlantis Law, you will be treated as family. Your case will be fully evaluated and your needs will be addressed. All actions necessary will be implemented to ensure that your financial goals and debt relief are met. Each and every case that the dedicated lawyers take on are personally handled by attorneys and never passed off to a paralegal or legal assistant. If you have questions about bankruptcy, or you know that you are suffering from high debt, you need to work with Atlantis Law.