Discharge of Debts
The most common form of bankruptcy is filing a Chapter 7 bankruptcy to get rid of unsecured debts like creditor cards, personal loans, certain taxes and medical debts. Call our San Jose, Santa Clara and Milpitas bankruptcy lawyer’s toll free at 1-877-963-9543 to schedule your FREE CONSULTATION and find out if bankruptcy is right for you. All of our consultations are free and with experienced attorneys and lawyers. You will not meet with an inexperienced paralegal that cannot give legal advice.
It is generally referred to as the liquidation chapter. This is because if you have assets that cannot be protected by bankruptcy exemptions the assets can be sold by the trustee assigned to your case for the benefit of those you owe money to. You can also enter into a settlement agreement buy back the assets from the bankruptcy estate. The good news is that California has generous exemptions that usually can protect everything you own.
- Stop the Harassing Phone Calls
- Chapter 13 Bankruptcy
- Get Rid of a Second Mortgage or Equity Line of Credit
- Stop Wage Garnishment
At The Law Offices of Lin & Wood we believe in personal service. This means that you will always be able to contact Ryan C. Wood and Kitty J. Lin directly by phone or email. You will not deal with inexperienced paralegals who cannot give legal advice or waste time dealing with administrative staff. We believe in personal service for a reasonable fee. Our fees are based upon the amount of work your case requires. Some attorneys charge $2,000 or more in attorney fees for every case they file even if you have a simple case.
A typical case will last approximately 3-4 months from the date the case is filed. The date the case is filed determines most of what takes place. The only appearance you should have to make is at the 341 meeting of the creditors. The meeting of the creditors is scheduled by the court approximately 30 days from the date the case is filed. Where your meeting of the creditors is held generally depends upon the county where you live and division of the Northern District of California your case is filed in. There are four divisions. The four divisions are the San Jose Division, San Francisco Division, Oakland Division and Santa Rosa Division. If you case is a no asset case, a case in which there are no assets to distribute to your creditors, the earliest the court can sign the order of discharge and close the case is 60 days from the date of the meeting of the creditors.