Chapter 7 Lawyer in Chico & Butte County

Experienced Butte County Bankruptcy Attorney

When individuals and spouses find themselves trapped in a downward spiral where their finances are concerned, unable to keep up and falling further and further into debt, Chapter 7 bankruptcy may be a workable solution to help alleviate the stress and inability to catch up. Often times, families get so far behind that they face losing what they have worked so hard to achieve and acquire, plus have the added burden of creditor harassment and potential lawsuits on top of knowing they cannot possibly get out of their situation on their own.

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We have several years of experience in helping people get out of debt.

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Even if you are not at a point where you are facing repossession, foreclosure or wage garnishment, if you are drowning in debt, the best way to determine what options are available to you is to consult a highly skilled Butte County bankruptcy lawyer about your situation. You may qualify for Chapter 7, which can eliminate your debts in 4 - 6 months and give you a clean slate to work from.

How do I know if I qualify?

There are specific financial requirements for those looking to pursue Chapter 7 bankruptcy. Here are some of the qualifying factors:

  • If you filed for bankruptcy in the past, you must wait 6 - 8 years (depending on the type bankruptcy you filed) before you are eligible to file again.
  • You must pass a means test, which will show your income, expenses and debt to learn whether you could feasibly make any type of payments toward your debt, in which case, Chapter 13 will likely be more appropriate.

Chapter 7 bankruptcy may include the liquidation of some property in order to satisfy creditors. With several years of practice, the skilled legal team of The Law Office of Nikki Farris can provide you with full information and answers to your questions about debt resolution services including bankruptcy and alternatives to bankruptcy that are available. We are a family run business and are extremely dedicated to helping individuals and families become debt free and are committed to helping you make the best choices to benefit your future. Start taking control now by speaking with one of our highly qualified attorneys about your situation today.

Contact a Chapter 7 attorney at our firm now to find out what your options are.