We are living in hard economic times to the extent that homeowners and businesses are seeking to file for bankruptcy more often compared to several years ago. If you find filing for bankruptcy to be a complex field of law, don’t get surprised at all because you are far from alone. In most cases, secured and unsecured debts call for filing for chapter 7 or chapter 13 bankruptcies. Chang & Diamond are here to offer the help you require in case you are drowning in medical debt, credit card or any other forms of unsecured and secured debts. Here is why we are the best bankruptcy attorneys in Poway that you need to contact so as to put creditor harassment to an end:
We understand that it is not your fault that filing for bankruptcy is your only way out to deal with abusive creditors or collection agencies. What you should know is that filing for either Chapter 7 or 13 is a way of taking responsibility for your situation so that you can quickly clear out what you are owed and rebuild your life. We provide personal attention to your specific debt situation so that we understand what you are dealing with and advise you on the right course of action to take. We give you answers to all your inquiries, and explain the law so you make an informed decision. The time has come to stop hiding from abusive creditors. Contact us already today, and we will help you take the first steps in your new debt-free life.
Advice on which type of bankruptcy best suits you
To determine which type of bankruptcy will give you financial freedom easily, we begin by assessing your financial situation, including your current debts, income, assets and anything else that relates to your finances. Note that in the case of chapter 7 bankruptcy, the court liquefies your assets to repay your creditors fully with the exemption of household goods and personal items. For chapter 13, you are offered an affordable payment plan to repay your debts in full (usually 3-5 years).
Every step of the way guidance
As reliable Poway bankruptcy lawyers, we don’t just tell you what to do and leave the rest in your hands. We work with you from the initial consultation, preparing all the necessary documents, meeting your creditors to preparing you for questions that you may be required to answer under oath. Most importantly, we remain available long after your case is closed, to ensure that your creditors won’t continue bothering you.
Experienced legal representation
We have been providing legal representation services for bankruptcy cases for almost 20 years in Poway and its surroundings. We have therefore acquired the extensive experience needed for a smooth legal representation. Our attorneys are highly qualified for evaluating whether you can bring up a lawsuit against your creditors and their lawyers, especially if you have been a victim of unlawful harassment. Although most cases are usually similar, we always aim at devising a personalized strategy that will bring back our client’s financial stability.
You can recover your financial stability and peace of mind today by filing for bankruptcy chapter 7 or 13. Chang & Diamond, APC attorneys Poway are just a call away to help you in doing just that.