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Skilled Bankruptcy Attorney in Whittier

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If you’re thinking about declaring bankruptcy, you may be wondering whether you qualify. In these tough economic times, an increasing number of people are interested in exploring the viability of filing for bankruptcy. At Law Offices of Steven Ibarra, our Whittier bankruptcy attorney takes the mystery out of bankruptcy, debunks the common myths, and can help you determine whether it’s the best solution to your short- and long-term financial goals.

Facing the bankruptcy decision

Reasons for declaring bankruptcy vary widely from person to person. Bankruptcy shouldn’t be looked at in a negative light; on the contrary, those who qualify are making a smart financial decision to protect their finances and get a fresh start. Although the decision is a personal one, it all comes down to the amount of debt versus income and monthly cash flow. Have you maxed out your credit cards? Are creditors harassing you? If your disposable income isn’t enough to make a significant payment toward your debt, bankruptcy may be a viable option.

The process of declaring bankruptcy

Filing for bankruptcy sets into motion a sequence of actions that will benefit your financial and emotional health. Filing either chapter 7 or chapter 13 bankruptcy will allow you to eliminate or reduce your debt, put a stop to any foreclosure proceedings, and even keep your car or force a creditor to return your vehicle if it has already been repossessed.

If you are burdened by medical bills or financial damage caused by loss of employment, bankruptcy can offer peace of mind and a fresh start. Through implementation of “automatic stay”, creditors will no longer be permitted to contact you. Bankruptcy can also prevent your utilities from getting shut off, consolidate student loan debt for manageable monthly payments, and stop wage garnishment from a lawsuit over unsecured debt.

Ask yourself the important questions

Do you routinely spend more than you earn? Do you know how much you owe? When was the last time you closely reviewed your credit report? Does an unexpected expense cause you to panic? Do you make only the required minimum payment on your credit cards, or use one card to pay off another?

In this volatile economy, a growing number of people are turning to bankruptcy as a solution to their money and debt-related problems. In fact, according to statistics from the U.S. government, over 1.5 million people declared bankruptcy in 2010. By focusing on bankruptcy as a financial decision rather than an emotional one, we can help you regard it not as an end, but as the beginning of a fresh start.

Our skilled Whittier bankruptcy attorney can work with you to determine the appropriate course of action. If we analyze your circumstances and determine that bankruptcy is the most effective way to protect your interests, we offer both chapter 7 and chapter 13 bankruptcy options. Our knowledgeable staff will work with you to accurately assess your immediate needs and long-term financial goals so you can make the best possible decision.

If you’re overwhelmed by debt, regardless of who is at fault, bankruptcy can provide a way out. Contact our bankruptcy attorney in Whittier to schedule a consultation today.

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