La Habra Bankruptcy Lawyer
Are your debts consuming your life?
The Law Offices of Joseph M. Tosti are dedicated to helping men and women throughout California obtain debt relief through bankruptcy or one of the alternatives to bankruptcy. If you are in need of total debt elimination, then
Chapter 7 may be the optimal choice. Because of
bankruptcy reform, however, in order to file for Chapter 7 you are required to pass the
means test, which is a calculation of income and expenses in relation to the average for your state. Many people choose to eliminate a portion of their debts, usually around 40%, by filing for
Chapter 13 or
Chapter 11. This type of bankruptcy sets up a three to five year repayment plan, allowing the individual to keep his or her belongings from liquidation. A La Habra
bankruptcy attorney from our office can give you the facts and figures concerning each type of bankruptcy during a free preliminary consultation.
When you need someone advocating for your rights and for your future, you need committed legal representation who will not waver through any step of the bankruptcy process. You do not have to continue to suffer while staring at unpaid bills or avoiding calls from creditors! As a consumer, you have rights! We will work with you to find an individualized solution for your debt crisis. Call our firm today to receive answers to
frequently asked questions, assistance with scheduling the mandatory
credit counseling meeting, or to learn more about
life after bankruptcy,
bankruptcy myths or the
benefits of bankruptcy. We are also able to provide effective support for
stopping creditor harassment.
La Habra Resources:
Contact a La Habra bankruptcy lawyer
if you have insurmountable debts and are seeking an effective way to eliminate them.
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