Orange County Bankruptcy
The federal bankruptcy laws were written to provide honest, hard working people with insurmountable debt a chance for a fresh financial beginning. Bankruptcy laws provide a way to escape the anxiety and stress one suffers when dealing with a high amount of debt. If you are looking for an experienced Huntington Beach Bankruptcy Attorney, then look no further!
In order to begin a case for bankruptcy, an individual must file a petition along with a statement of assets and liabilities in the list of all their creditors. State law clearly underlines the specific exemptions in which a debtor can keep their property. There are three primary chapters contained within the bankruptcy code. These specific chapters are Chapter 7, Chapter 11 and Chapter 13. Huntington Beach Bankruptcy Attorney Desiree Causey can assist you in selecting which filing best suits your needs.
Since April 20, 2005 with the passing of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, there have been numerous exemptions as well as amendments to the law. Some people have been stopped from filing bankruptcy, but most people may still pursue bankruptcy protection. The largest change is that there are now many more requirements when you seek bankruptcy that must be completed so that you can successfully file your case.
Probate Law & Estate Law
If you are in need of an experienced Orange County Probate lawyer, please contact our office for further information. Dealing with all of the items involved with the transferring of an estate can be overwhelming on a normal individual during what are already stressful times.
The term "probate" is used in a variety of ways when it comes to the legalities of an individual passing. It can be the simple act of presenting a will to the court which is known as "to probate" a will. The legal method that your entire estate is processed and administered after one passes away is the more general sense of the word. Attorney Desiree Causey a highly rated Huntington Beach and Orange County Probate Lawyer with many years of experience working with estates and directly with the probate court.
This entire process of probate legally helps you transfer your entire estate in a lawful and supervised process. Everything in your estate must be dealt with and distributed in a certain manner according to probate law. In essence, probate is a step-by-step process that helps to guide the distribution of your estate in an orderly and lawful manner according to the rules and regulations of your particular state.
It makes absolutely no difference if you have a will or not, your estate will pass through the probate process. But the existence of a will does help the probate process if one exists. Look no further for an Orange County Probate Lawyer, we assure you the best results possible!
It can be extremely difficult determining the proper route to purse without the help of a qualified bankruptcy attorney. Our law office has many years of experience working in both individual and corporate bankruptcy filings. Call for a free consultation.
Bankruptcy Sub Pages
Probate Law Sub Pages
Orange County Family Law
The term family lawyer can be used to describe a person who specializes in many different aspects of the law. As the name indicates, it is a practice area that comprises the legal issues that face many families in the United States. Given the sensitive nature and emotional involvement in this form of the law, these issues must be handled carefully and exacting according to the letter of the law. These areas of the law include:
- Divorce Law
- Child Support
- Spousal Support
- Division of Assets and Liabilities
- Termination of Parental Rights
- Dependency and Child Neglect
- Protection From Abuse
We have many years of experience working in the field of Family Law, and assure you that your case will be represented aggressively, and in your best interest at all times.
Chapter 13 Bankruptcy
Is Chapter 13 Bankruptcy the Right Way To Go?
Like a Chapter 7, you list all of your property and all of your debts. But unlike Chapter 7, you get to keep all of your property. We can help you get back on your feet!
If you intend to pay off your debt in part or in full, then Chapter 13 Bankrupty is something you should consider. You would submit a strategic plan for repayment which must be approved by a bankruptcy trustee. This trustee makes the monthly payments on your behalf and you simply send them a monthly check which covers these expenses. The term usually is 3 to 5 years.
Unlike Chapter 7, Chapter 13 has no means test. But you must make sure that you have a regular monthly income, a strategic budget in place to pay off your debt and a reliable plan to make payments to your trustee who in turn pays the debt. When selecting the best route to take, please contact our office for a free complimentary consultation. We would be happy to be of assistance.
Chapter 7 Bankruptcy
What Form of Bankruptcy Is Right For Me?
There are many different types of bankruptcy, and generally the simplest and quickest form is Chapter 7. Due to our years of experience in Bankruptcy Law, we can guide you though the process seamlessly and accurately.
In order for an individual to file Chapter 7 bankruptcy there must be a qualification. This is determined by a procedure called a “means test”. This test is necessary because it compares your current income to the average income in the state where you reside.
If the median income in your state is considerably higher than your current income, Chapter 7 Bankruptcy may be a possibility. But if your generated income is more than the average person in your state earns, there are other procedures and calculations that need to take place to determine if Chapter 7 bankruptcy is for you. If you would like more information on Chapter 7, or are in need of an Orange County or Huntington Beach Bankruptcy Attorney, contact our law office today!