Huntington Beach Bankruptcy Lawyer

Huntington Beach Bankruptcy Lawyer

At some point in their lives many Huntington Beach residents may face difficult financial times. Sometimes the tough times do not last long and at other times there may seem like there is no light at the end of the tunnel. The reasons for your financial difficulties may sometimes dictate how long they last. For instance, if you lost your job and quickly get another one you may only experience financial discomfort for a short period. On the other hand, if you go through a messy divorce, which is a very common cause of bankruptcy the financial instability can last for years.

Please do not lose hope. No matter why you are going through tough financial times you always have options. If you are a Huntington Beach resident and would like to learn more about your options for obtaining financial relief you should speak with a skilled Huntington Beach Bankruptcy Lawyer.

Qualifying For Bankruptcy In California 

One of the most common reasons for Orange County residents putting off getting the financial relief they need is that they are unsure of what is involved in qualifying for bankruptcy. Almost anyone, any couple, family or individual qualifies for a Chapter 7 bankruptcy which is a liquidation bankruptcy. In this type of bankruptcy you essentially walk away from most, if not all, existing debts.

By contrast, not everyone qualifies for a Chapter 13 bankruptcy. A Chapter 13 is a debt consolidation bankruptcy and any arrears will be put into the plan and paid back over the plan period of 3-5 years. In order to qualify for this type of bankruptcy you must prove that you have the ability to repay the missed or late payments PLUS be able to begin making the payments going forward.

Enlisting the help of a skilled and experienced Huntington Beach Bankruptcy Lawyer will help as they will explain all possible options to you.

Can I File Bankruptcy Without The Help Of An Attorney?

Yes but it is not at all advisable. Filing bankruptcy is a very labor intensive process and certain steps need to be taken, creditors need to be notified, etc. If any aspect of the bankruptcy process is done incorrectly you can end up shooting yourself in the foot and be in a worse position than you already are.

Can I Afford A Bankruptcy Lawyer? 

A common concern when looking into filing bankruptcy is how you will be able to afford an attorney if you cannot afford to pay your bills. This is a legitimate concern but there is a simple solution. The type of bankruptcy you ultimately file will determine the cost. A Chapter 7 is much less expensive than a Chapter 13. If Chapter 13 is best for you a portion of the plan and filing fees can be rolled into the plan to make it more absorbable.

Contact A Huntington Beach Bankruptcy Attorney

Choosing the right bankruptcy lawyer can make a huge difference in terms of how seamless your filing process goes. An experienced attorney will listen to your concerns, assure you that everything is going to work out and outline exactly what they need from you as well as when they need it. For these reasons it makes sense to hire a Huntington Beach lawyer whose practice is 100% devoted to bankruptcy.

Call Huntington Beach Bankruptcy Lawyer Dennis Connelly today to discuss your options. Dial (940) 270-2904.

The Law Office of Dennis Connelly offers free consultations for those in need of dent and financial relief in Orange County, California.