Pacifica Bankruptcy Lawyer

If you are struggling with debt and are tired of harassing phone calls our Pacifica bankruptcy lawyer can help. Debt relief from filing bankruptcy can improve your life immediately after retaining our services and then even more after filing bankruptcy. Schedule a no obligation free consultation today to determine if bankruptcy is right for you. Most no obligation free consultations will last between thirty and forty minutes.

San Mateo Office
1900 S. Norfolk Street, Suite 350
San Mateo, CA 94403

Toll Free: 1-877-9NEW-LIFE
650-366-4858
Fax: 650-366-4875

Free No Obligation Consultation

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Chapter 7 bankruptcy cases are liquidation of assets cases. If there are any assets that cannot be exempted or protected, those assets are turned over to the trustee to liquidate and the funds obtained paid to those who debts are owed to. California has generous exemptions to help protect your assets. If there are assets that cannot be protected it is not the end of the world. Having to give up an asset to discharge a mountain of debt is a small price to pay.

If you would like to protect an asset that cannot be protected by exemptions then a Chapter 13 bankruptcy may be an option to keep the asset. The catch is you must have some disposable income in order fund a Chapter 13 plan. In a Chapter 13 plan you can pay the equivalent of the asset over three to five years depending upon your income. In a Chapter 13 case there is also a 341 Meeting of the Creditors. There is also a confirmation hearing to approve or confirm the Chapter 13 plan. Hopefully a confirmation hearing is not actually necessary and the standing Chapter 13 trustee will recommend confirmation of the Chapter 13 plan.

Pacifica California is located in San Mateo County. Given that, the 341 Meeting of the Creditors is held in downtown San Francisco at 235 Pine Street, Ste. 850, San Francisco. The Meeting of the Creditors is administered by the trustee assigned to your bankruptcy case. The trustee will ask a series of questions related to the bankruptcy case and estate that is created when a bankruptcy case is filed. The trustee may seek additional documents and continue the Meeting of the Creditors or conclude it if no additional information is required.

By Ryan C. Wood