Bankruptcy Law

Far too many people find themselves buried in debt, with no conceivable way out.  Debt can overwhelm you and cripple your life.  In severe cases, when debt is both debilitating and inescapable, bankruptcy may be the only answer.

Bankruptcy is not failure.  Bankruptcy is starting over, starting better, and doing so with your head above water.  People from all walks of life file for bankruptcy – paupers to billionaires.  Law makers have provided bankruptcy as a way to “protect” consumers from the avalanche of debt and to give them a clean slate and a new chance to achieve, having learned from past financial mistakes.

Few debts escape the reach of bankruptcy.  Those may include: taxes, court-ordered support payments, and certain federal student loans.

Bankruptcy Law

The Law Office of Stephanie White can assist with:

CHAPTER 7 BANKRUPTCY

Chapter 7 bankruptcy is for debtors within certain earning limits.  When completed, the debts are fully discharged, and the debtor is able to re-establish their financial life without the burden of accumulating debt.

CHAPTER 13 BANKRUPTCY

Chapter 13 bankruptcy is for debtors who exceed the earning limits for a Chapter 7 or have more equity and assets than can be exempted in a Chapter 7.  A payment plan is created that will last either three or five years. After the payment plan is complete, the remaining debts will be discharged.

Chapter 13 offers some advantages over Chapter 7, as some of the otherwise-continuing debt can be erased in certain cases.

GUIDING CLIENTS THROUGH THE BANKRUPTCY PROCESS

By working with our office you, the client, can ensure that you choose the right bankruptcy option for your circumstances.  Our attorneys and our Bankruptcy Concierge (yes, that is the job title) will assist you with completing the required steps, paperwork, and filings to quickly resolve your bankruptcy.

CONTACT THE LAW OFFICE OF STEPHANIE WHITE

The Law Office of Stephanie White works with clients in Southern California – specifically Los Angeles, Ventura & Santa Barbara counties. Contact the Law Office of Stephanie White today to schedule a free initial consultation, where you can learn what type of bankruptcy will provide you with the relief you need from debt.