Jolley Smith Law/Phone: 559-320-7028 WORKERS COMPENSATION CONSULT

 If you are looking for a lawyer to file bankruptcy in San Francisco,  Los Angeles, or Fresno California,  it's best to get a skilled professional on your side to handle all of the paperwork and negotiations. Dealing with debt collectors, repeated phone calls, and intimidating letters can be stressful. Our attorneys advocate for your rights, work hard to mitigate damage, and help you plan for a solid financial future.'

 Helping People is our Business 

Chapter 7 bankruptcy cancels most individual debts.  Its main purpose is to give people who are hopelessly burdened with debt a fresh start quickly, without having to establish a plan to pay creditors. In most Chapter 7 cases, the debts are discharged and the case is completed within 3-4 months after the case is filed.

Through a Chapter 7 Bankruptcy, You Can:

•  Protect Your Property from Creditors’ Reach  Stop Creditor Harassment.
• Stop Garnishments, Bank Levies and Halt Lawsuits.
• Wipe Out Credit Cards, Medical Debts, Payday Loans, Personal Loans and Other Unsecured Debts.
•  Stop Garnishments, Bank Levies and Halt Lawsuits.
• Eliminate Repossession and Foreclosure Debts.
• Start Saving Money Sooner.
• Additional tax liability is a hidden cost of debt settlement.   
•  Start Rebuilding Your Credit.
  

    

All we need to start your bankruptcy petition:

• Past 6 months pay stubs
• 2 years tax return
• Copy of photo ID
• Consumer Credit Counseling Certificate through an approved agency and we have that contact information for you.

The process is simple, so contact us for an appointment and get the debt relief to make a fresh start.



Remember, Jolley Smith Law can file bankruptcy papers anywhere in California and save you hundreds of dollars. It minutes away from your free telephone consultation. Get immediate feed back on your special situation. Call 559-320-7028 day or night. Someone is ready to help you. Or simply fill out the contact form on the right, and someone will call you.

If you looking for a bankruptcy lawyer and attorney in San Francisco, Fresno, or Los Angeles California, , Jolley Smith Law can assist you.  Call 559-320-7028.

We are Debt Relief Agency through bankruptcy. 

What is a chapter 7 bankruptcy case and how does it work

A chapter 7 bankruptcy case is a proceeding under federal law in which the debtor seeks relief under chapter 7 of the Bankruptcy Code. Chapter 7 is that part (or chapter) of the Bankruptcy Code that deals with liquidation. The Bankruptcy Code is a federal law that deals with bankruptcy. A person who files a chapter 7 case is called a debtor. In a chapter 7 case, the debtor must turn his or her nonexempt property, if any exists, over to a trustee, who then converts the property to cash and pays the debtor’s creditors. In return, the debtor receives a chapter 7 discharge, if he or she pays the filing fee, is eligible for the discharge, and obeys the orders and rules of the bankruptcy court.

                    Jolley Smith Law Firm serves the greater Los Angeles, San Francisco, and Fresno areas for all your Bankruptcy Needs

Who is permitted to file and maintain a chapter 7 case?

Any person who resides in, does business in, or has property in the United States is permitted to file a chapter 7 bankruptcy case except a person who has intentionally dismissed a prior bankruptcy case within the last 180 days. To be permitted to maintain a chapter 7 bankruptcy case a person must qualify for chapter 7 relief under a process called means testing.

 What is a chapter 7 discharge?

It is a court order releasing a debtor from all of his or her dischargeable debts and ordering the creditors not to attempt to collect them from the debtor. A debt that is discharged is a debt that the debtor is released from and does not have to pay.

What is means testing?

Means testing is a method of determining a person’s eligibility to maintain a chapter 7 case. Under means testing a person whose current monthly income from all sources multiplied by 12 exceeds the median annual income, as reported by the U.S. Census Bureau, for the person’s state and family size, must show that he or she is not able to pay a minimum of $109.58 per month for 60 months to his or her unsecured creditors from his or her disposable monthly income in order to be eligible to maintain a chapter 7 case. Disposable monthly income is a person’s current monthly income from all sources less the person’s permitted current monthly expenses. The chapter 7 case of a person whose disposable monthly income is such that he or she is deemed to be able to pay $109.58 per month or more to unsecured creditors for 60 months will be dismissed or converted to chapter 13 unless special circumstances exist.