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  • What is ORAP?

    What is ORAP?

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    Filing for bankruptcy to get rid of your debts can make you aware of several legal terms previously unknown to you. When you choose to file for bankruptcy, you have probably run out of options to stop creditors from collecting their amount. ORAP is a procedure which is known to be quite helpful during bankruptcy proceedings, especially to your creditors. ORAP is called order for appearance and examination of judgment debtor. According to Los Angeles based bankruptcy law firm Recovery Law Group, ORAP requires that the debtor appears in the court in order to answer questions pertaining to the availability of their assets to pay for the judgment. When ORAP is put in place, an automatic lien against all your personal property is placed for a duration of one year.

    This can be problematic to some extent, especially if you are going to declare bankruptcy. ORAP is a form of action which any potential creditor can take against you. In case you find yourself in deep debt, you should file for bankruptcy by consulting best lawyers. If you wish to seek counsel from qualified bankruptcy lawyers, you can call 888-297-6023. While discussing your case, it is vital that you discuss all your creditors as well as ORAP and its effect. Bankruptcy lawyers Los Angeles can help you get out of the tricky financial situation and offer feasible debt relief options for you to get a fresh financial start.


      *Are you more than 60 days past due on your mortgage?

      *Do you own a home?

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      By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

    • Bankruptcy Myths Busted

      Bankruptcy Myths Busted

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      Despite bankruptcy being one of the best ways to get rid of debts, there are numerous myths associated with bankruptcy because of which people are wary of filing for it. However, say lawyers of Los Angeles based bankruptcy law firm Recovery Law Group, it is important to sift fact from fiction, especially about something as important as a bankruptcy.

      Here’s a look at some of the most common myths associated with bankruptcy.

      #1 If you have a job, you can’t file for bankruptcy

      In the case of Chapter 7, debts are discharged, after the filer’s non-exempt property is sold off to pay your creditors. However, Chapter 13 bankruptcy involves repaying some portion of your debts to the bankruptcy trustee, as per the court-approved repayment plan. Apart from this, additional costs include filing fees, the fee for credit counseling course as well as the attorney’s fees. Regular payments as per your plan are essential in this case.

      If you lose your job and find it difficult to make payments, you can ask the judge to modify your payment plan. Throughout the plan, your total repayment amount will remain the same, however, the payments can decrease when required and increase when you can afford to make payments. When you file for bankruptcy you are required to provide your last two months’ pay, your past six months of bank statements, as well as last four years of tax returns.

      #2 Bankruptcy makes you bad

      Despite insurance cover, a huge amount of medical bills can send anyone towards bankruptcy. It is not surprising to note that most people who file for bankruptcy owe huge debts towards medical bills. Majority of these people are working citizens who regular pay taxes. When you file for bankruptcy you can get rid of several debts including credit card bills, personal loans, etc. Majority of the debts catered to in a Chapter 13 bankruptcy are secured ones like mortgage, automobile debt, child support, alimony, and taxes. A small percentage of your repayment amount goes towards settling your unsecured debts. After completion of the repayment plan, any unsecured debt which remains is discharged, with creditors sometimes end up receiving nothing.

      People can get rid of their debts by other methods too. Seeking a reduction in their debts might make a better option than filing for bankruptcy. If possible, bankruptcy should always be the last option for people to address their debts. You need to ensure that the timing of your bankruptcy is perfect. It is better to wait some time if you are expecting more medical bills in the near future. A qualified bankruptcy attorney can suggest the best time to file for bankruptcy as well as the chapter you would benefit from. If you are looking for a consultation, you can call 888-297-6023.

      #3 Your credit is ruined by bankruptcy

      Bankruptcy indeed has a negative effect on your credit report; however, the effect is not permanent. In most cases, people who file for bankruptcy probably have bad credit which can only go one way. Bankruptcy wipes your slate clean and thus, in the long run, filing for bankruptcy will improve your credit score by getting rid of bad credits. In the case of Chapter 7 and Chapter 11, bankruptcy remains on your credit report for 10 years while Chapter 13 bankruptcy Los Angeles appears for 7 years. Despite this, filing for bankruptcy will probably help you in getting rid of debts which you had no way of clearing.

      Filing for bankruptcy might cause you to have some difficulty in getting credit after discharge because declaring bankruptcy puts you in the credit risk bracket. Despite this fact, bankruptcy filing helps you get rid of the huge mountain of debt and provides your disposable income for your use. Responsibly managing your money after you get your bankruptcy discharge goes a long way in rebuilding your credit. Since a credit check is done usually when you are seeking employment or while making big purchases like house or vehicle; if you are already in possession of all, bankruptcy won’t have much effect on you, except getting rid of debts. It is therefore vital that you consult experienced bankruptcy attorney to get hold of your finances while divesting you of your debts.


        *Are you more than 60 days past due on your mortgage?

        *Do you own a home?

        Are you currently working?

        By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

      • Does Bankruptcy End Child Support Obligations too?

        Does Bankruptcy End Child Support Obligations too?

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        Despite being one of the best ways to get rid of debts, bankruptcy does not clear you of all your financial obligations. Lawyers of Los Angeles based bankruptcy law firm Recovery Law Group, elaborate that certain debts survive bankruptcy, no matter which chapter of bankruptcy you have filed under. These obligations include child support debt and alimony. Whether you chose to file for bankruptcy under Chapter 13 or Chapter 7, you will not be off the hook for paying child support and alimony dues to your spouse. Additionally, any fines due to restitution order by a judge, compensation for injuries and damage caused by DUI, etc. are also not negated. Bankruptcy does not affect any of these debts and they need to be paid in full despite bankruptcy discharge.

        Before filing for bankruptcy, it is important to be aware of what debts can be discharged under bankruptcy and which of those will survive bankruptcy. This is vital because if you are filing for bankruptcy to get rid of debts that will end up survive bankruptcy, the entire process will be in vain. To know more about debts which can be discharged in bankruptcy Los Angeles, you should consult qualified attorneys. For consulting with experienced bankruptcy lawyers, you can call 888-297-6023.


          *Are you more than 60 days past due on your mortgage?

          *Do you own a home?

          Are you currently working?

          By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

        • Vehicle Repossession in Bankruptcy

          Vehicle Repossession in Bankruptcy

          Debts against which the creditor has collateral are known as secured debts. Examples of secured debts include automobile loan, mortgage, etc. Since both these are essential for living a comfortable life, it is important that you are not behind on payments for such loans. Having a vehicle has become a necessity these days, considering that commuting time is considerably reduced due to them. Missing payments on your automobile loan can have severe consequences. The lender can repossess the vehicle if you end up missing payments. However, having experienced lawyers like those of Los Angeles based bankruptcy law firm Recovery Law Group can help stop such proceedings effectively.

          You will be surprised to know that repossession is far easier than foreclosing on your home or threatening with a lawsuit in case of credit card dues. Vehicle insurance is mandatory in some states. If you neglect the insurance coverage of the vehicle and are current with the loan company, you might still end up losing your vehicle. Generally, if you miss one payment, you get a reminder call to make payment along with the late fees. However, if you fail to make a payment on the due loan, the lender can act against you, which includes repossessing the vehicle.

          Can you protect yourself against creditor action?

          Though defaulting on the loan provides the lender a chance to repossess the vehicle, there are certain protections in place for the owner too. These include:

          • The lender (or any other person acting on behalf of the lender) cannot enter your closed garage without permission.
          • They cannot threaten or use force against you.
          • Violation of any of the laws can result in a legal damage case against them.
          • Any personal property within the vehicle when it is seized by the lender remains your property.
          • The lender must ensure the safety of any such property and provide you with details regarding its retrieval.

          In case you decide to not pay the arrears and repossession cost, the lender has the right to keep or sell the repossessed vehicle. However, they need to intimate you when and where the vehicle will be auctioned off. You can bid for your vehicle if you choose to. It is important that the vehicle is sold for a fair market price. In case, the lender sells it below market rate, you can claim damages against the lender and argue for a deficiency judgment. If you are behind on your automobile loan payments and are on the verge of vehicle repossession, it is important you call 888-297-6023 to schedule an appointment with adept bankruptcy attorneys Los Angeles before any legal action is taken against you.


            *Are you more than 60 days past due on your mortgage?

            *Do you own a home?

            Are you currently working?

            By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

          • Points to Consider While Contemplating Bankruptcy

            Points to Consider While Contemplating Bankruptcy

            Call: 888-297-6203

            Managing your finances is easier said than done. Many people find it difficult to manage their financial problems leading them to consider various debt relief options like debts settlement, debt consolidation, and even bankruptcy. Sometimes, just adjusting your spending patterns is enough to manage your debts, while sometimes, you might require the assistance of professionals to get rid of your debts. Though bankruptcy has earned a bad name, according to Los Angeles based bankruptcy law firm Recovery Law Group, it is probably one of the better ways to manage your situation. However, before deciding to go ahead with it, you should be aware of the pros and cons of bankruptcy. if you are contemplating bankruptcy, the following pointers will come to your aid in making a conscious decision:

            • How much time will you require to pay your debt?

            Most common bankruptcy chapters for individuals include Chapter 7 and Chapter 13. While the former gets you discharge on your debts in 3-6 months of filing, you can lose your non-exempt property. In the case of the latter chapter, you end up repaying a portion of your debts over a course of 3-5 years. In case, you don’t have much debts and can pay them back with adjustment in your monthly expenses within a reasonable time frame, you should opt for alternative debt relief options. If, however, you won’t be able to pay back your debts, bankruptcy might be the best possible way out.

            • How big is your debt?

            If your debt is manageable i.e. just a couple of thousand dollars, you could easily manage it without filing for bankruptcy. However, even this amount should not be neglected, and efforts should be made to pay it back since creditors can cause numerous problems.

            • How much of your debt is dischargeable?

            Before considering bankruptcy to get rid of your debts, it is important to know which of your debts can be discharged. Secured debts like mortgage and auto loan are not included in bankruptcy. Additionally, priority debts like child support and alimony or certain court-ordered taxes (compensation for damages due to personal injury claims, etc.) also won’t be discharged. If these constitute a major chunk of your debts, filing for bankruptcy won’t resolve your problem.

            • Do you risk foreclosure or repossession?

            Creditors who are about to foreclose on your property can cause you to think of bankruptcy as a way out. Filing for bankruptcy puts an automatic stay in place which prevents foreclosure and repossession, providing you with ample time to catch up on a way to manage your finances.

            Admitting you have financial problems is the first step to get control of the situation. Discussion with experienced bankruptcy lawyers Los Angeles can help you conclude whether you should opt for bankruptcy or some other debt-relief options to manage your debts. In case you want to put your money problem away, consult with experts at 888-297-6023.


              *Are you more than 60 days past due on your mortgage?

              *Do you own a home?

              Are you currently working?

              By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

            • How Easy is it To Purchase a Home After Bankruptcy?

              How Easy is it To Purchase a Home After Bankruptcy?

              Though it is an excellent way to get rid of unsurmountable debts, bankruptcy has its downside too. Your credit report can remain affected by your bankruptcy for a long time. Bankruptcy remains on your credit record for a duration of 7 years in case of Chapter 13 bankruptcy and 10 years in case of Chapter 7 bankruptcy. This has a detrimental effect on your ability to get credit in the future. Though you may find it difficult to purchase a home after bankruptcy, lawyers of Los Angeles based bankruptcy law firm Recovery Law Group, say, it is not impossible. Certain steps in the right direction can help you realize your goal.

              • Assess your financial situation

              If you want to buy a house, it is important that you avoid making the same mistakes over and over. It is therefore important to assess your financial situation before making any decision. You need to build your credit standing after bankruptcy and taking stock of your finances is where you should start with.

              • Live according to a budget

              Spending more than you can afford to lead you to file for bankruptcy. If you wish to avoid the situation, you need to be careful with your money. Plan your monthly expenses and stick to that budget. This will allow you to build a capital in a substantial amount of time.

              • Get a credit card

              Surprisingly, the best way to rebuild credit is through a credit card! Getting one at your terms might be difficult, especially if you are fresh out of bankruptcy. You can start with a secured credit card which will help in rebuilding your credit. Over a period, you might get a regular credit card at a reasonable interest rate which will help you get a mortgage on the home.

              Though buying a home after bankruptcy is not easy, however, it is not unachievable too. With these tips, you will be able to improve your credit rating enough to get you a mortgage. To help with your bankruptcy, you can consult with expert bankruptcy lawyers Los Angeles at 888-297-6023.


                *Are you more than 60 days past due on your mortgage?

                *Do you own a home?

                Are you currently working?

                By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

              • Consumer Benefits of Chapter 13

                Consumer Benefits of Chapter 13

                Call: 888-297-6203

                While bankruptcy might be traumatic, it is an excellent way to get rid of excessive debts legally. As per lawyers of Los Angeles based bankruptcy law firm Recovery Law Group, most people filing for bankruptcy prefer Chapter 7. This is probably because you get a discharge within a relatively smaller time and with few financial restrictions and probable loss of some personal property, they can get rid of their debts. However, if you have a substantial income to pay off your debts, you might not be able to qualify for Chapter 7. In such a scenario, Chapter 13 is a great way out for people in debt who wish to stop creditor harassment and get rid of their debts.

                In case of Chapter 13, a repayment plan is devised based on your disposable income, through which you end up paying some portion of your debt to the creditors over a specified period (generally 3-5 years). Unlike Chapter 7 where the non-exempt property is sold off to pay the creditors, you can protect your assets from liquidation in Chapter 13 if you pay your creditors a sum equal to the non-exempt property. However, there is a limit capped by the court to saving non-exempt property by the debtor. In case you have enough income to afford the repayment plan, Chapter 13 is ideal for your financial recovery. For details regarding the benefits associated with this bankruptcy chapter and the protections you get when you file for bankruptcy, you can call 888-297-6023 to speak with expert bankruptcy lawyers Los Angeles.


                  *Are you more than 60 days past due on your mortgage?

                  *Do you own a home?

                  Are you currently working?

                  By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                • Late Claims in Chapter 13: Ohio Court Rules Against This Practice

                  Late Claims in Chapter 13: Ohio Court Rules Against This Practice

                  Call: 888-297-6203

                  When a person chooses to get rid of their debt by filing for bankruptcy, the best way is to hire a lawyer. This is so because bankruptcy is a complicated process involving several legalities and documents. Experienced lawyers such as those of the Los Angeles bankruptcy law firm Recovery Law Group, make it a point to inform every creditor mentioned in the list of the impending bankruptcy filing of their client. In case the client chooses to file under Chapter 13, any secured creditor can claim against the debtor getting a discharge. However, there is a catch. They should file the claim prior to the deadline mentioned in the notice informing them of the impending bankruptcy. Many times, creditors neglect the deadline and file claims as per their fancy. This has been restricted by the Ohio Court in the latest ruling.

                  In the abovementioned case, the couple filing for Chapter 13 owed property tax, but the company which held the debt failed to file a claim against the couple despite being informed of the deadline through the bankruptcy intimation notice. After the deadline had passed, the court declined the company’s claim to receive payment from the Chapter 13 repayment plan. Though the company had a lien on the home, which would have survived the Chapter 13 bankruptcy, the court’s decision is seen as a step in the right direction by consumers trying to get rid of their debt through Chapter 13 bankruptcy.

                  In case you decide to pursue this chapter of bankruptcy to get rid of your debts, you should seek the counsel of experienced bankruptcy lawyers Los Angeles at 888-297-6023.


                    *Are you more than 60 days past due on your mortgage?

                    *Do you own a home?

                    Are you currently working?

                    By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                  • Everything You Wanted to Know About the Chapter 13 Repayment Plan

                    Everything You Wanted to Know About the Chapter 13 Repayment Plan

                    Call: 888-297-6203

                    Filing for bankruptcy is often the last option taken by people who have been struggling with debts for a long time. According to Los Angeles based bankruptcy law firm Recovery Law Group lawyers, people have the option of filing under Chapter 7 or Chapter 13. Ideally, Chapter 7 is preferred as it gets rid of all unsecured debts without losing many assets of the bankruptcy filer. If, however, you fail to qualify the means test, you are stuck with Chapter 13. It is therefore important to know what happens in this chapter so that you are prepared to handle what comes your way.

                    Here are some of the key facts related to Chapter 13 bankruptcy:

                    • Chapter 13 involves a repayment plan where you are expected to pay back your creditors some portion of your debt.
                    • The repayment plan lasts for 3 or 5 years depending on whether your average monthly income for the past six months prior to bankruptcy filing was less than or more than the state median respectively.
                    • The repayment to creditors is done using your disposable income, i.e. the income which is left after deducting all essential monthly expenses such as housing, food, etc.
                    • If your financial situation deteriorates during the repayment plan (loss of a job, unexpected medical expense, ) which results in non-payment of the dues, you can ask for a modification in your agreement by consulting your bankruptcy trustee.
                    • After completion of the repayment plan in 3-5 years, you can get a fresh financial start.

                    For more details regarding bankruptcy procedure and filing, you can contact experienced bankruptcy lawyers Los Angeles, at 888-297-6023.


                      *Are you more than 60 days past due on your mortgage?

                      *Do you own a home?

                      Are you currently working?

                      By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.

                    • Considering Bankruptcy To Get Rid of Debts? Here are Things You Should Remember

                      Considering Bankruptcy To Get Rid of Debts? Here are Things You Should Remember

                      Call: 888-297-6203

                      If you have been struggling with financial problems for long, bankruptcy can be the way out of the financial mess. It might ideally not be your chosen way to rebuild credit, but it sure does give you a fresh economic start which you deserve. However, due to the numerous myths associated with the bankruptcy filing, people are often worried if it is the best way to go ahead. To clear doubts, lawyers of Los Angeles based bankruptcy law firm Recovery Law Group point out the circumstances where bankruptcy can be beneficial:

                      • You are facing repossession or foreclosure on your property
                      • A major portion of your debts is due to unsecured debts (medical bills, credit card debt, personal loan, )
                      • Have taken secured debts like a second mortgage, tax liens, etc.
                      • Are being constantly harassed by debt collectors
                      • Are facing wage garnishment
                      • Have had bank accounts frozen
                      • Have a judgment lawsuit filed against you

                      Though, bankruptcy is a difficult process to understand, having experienced bankruptcy lawyers by your side can make a huge amount of difference. In case you wish to consult with experts regarding your case you can call 888-297-6023. While contemplating bankruptcy, it is important to keep certain factors in mind:

                      • Using credit card before filing for bankruptcy

                      Since unsecured debts are discharged in bankruptcy, people think it is okay to use their credit card to the maximum credit before they file for bankruptcy. However, when you file for bankruptcy, your charges of up to six months prior to bankruptcy filing are studied. In case it is found that charges were added to the credit card with no intentions of paying back, creditors can challenge the inclusion and subsequent discharge of the debt. Thus, you might end up owing money to credit card companies despite bankruptcy discharge.

                      • Excluding an income source

                      Many people have multiple sources of income; however, they might not count some of them as part of the household income. This mistake could prove costly as it might be considered a way of concealing income when you file for bankruptcy. Any income, no matter how minor, should be included in household income while filing for bankruptcy if you wish to get a bankruptcy discharge.

                      • Avoid forging your way

                      Sometimes, in a desperate bid to get rid of your debts, people try to hide their assets or income to qualify for a certain chapter of bankruptcy. However, bankruptcy trustee going through the entire documents accompanying your petition is bound to come up with the facts. In case you have committed any fraud or forgery, your case will be dismissed, and you might be barred from filing for bankruptcy again. It is therefore prudent to be honest while providing information during bankruptcy.

                      • Filing without an attorney

                      Bankruptcy is a typical process which takes years of practice to master. Though people can file for bankruptcy without a lawyer too, it is not advisable as the process is quite complex. Discussing your case with experienced attorneys is important to know which option of bankruptcy would be ideal for your situation.

                      If you have been struggling with finances for a long time, it is important that you seek the advice of professionals. Expert bankruptcy lawyers Los Angeles can help you get over financial problems by suggesting the best way out.


                        *Are you more than 60 days past due on your mortgage?

                        *Do you own a home?

                        Are you currently working?

                        By clicking “Submit”, whether I do or do not purchase any products or services on this website, I hereby give my express written consent to receive calls and SMS/text messages, including calls and SMS/text messages made and sent using automated dialing equipment and/or pre-recorded or artificial voice technology and email, about offers and deals that I wish to be kept informed about from (“Partners”), at the phone number and/or email address provided on this form, including any wireless numbers provided, even if I have previously registered the provided number on any Do Not Call Registry. If I do not make a purchase on this website, it is expressly understood that the Partners retain permission to contact me as specified earlier in this paragraph. Carrier SMS/MMS and data messaging rates apply. I also agree that by clicking “Submit” that I agree to the Privacy Policy and Terms and Conditions.