Filing for bankruptcy is seen by many as an easy way to get debt relief and a second chance to reorganize finances. In most cases, filing for bankruptcy does help a person get a chance to right the things that they have done wrong. However, the process can only be helpful if it is done with the help of a qualified and experienced bankruptcy lawyer in Temecula CA. Here are a few of the things that you need to know about the process of filing for bankruptcy.
The kind of debt relief to look for
There are several options available to the person that wants to file for bankruptcy. These include filing for a chapter 7, 11 or 13. The ideal debt relief plan for you will depend on your circumstances. For instance, it is a general requirement that you will not have had a failed attempt at filing for another bankruptcy at least 180 days prior to your filing date. It is also essential for you to have proof that your earnings are either equal to or less than the median for your state. There are also specific requirements and criteria that affect each of the three types of debt relief. Competent attorneys will walk you through the requirements for each and help you determine the type of debt relief to seek.
The process of filing
Many people that have filed for a bankruptcy will tell you that the paperwork is a lot. In fact, you will get a packet with a lot of documents that you are supposed to fill and sign. A lawyer helps you avoid giving information that may be seen as contradictory or an omission. This makes the process of filing for bankruptcy much easier.
If the judge is convinced that your conduct has shown a need for a second chance financially, they will approve your petition. This puts an automatic stay on all exempt personal property. When the proceedings begin, the lawyer will ensure you attend hearings, debt counseling and act as a go-between for you and the trustee.
These are the things that you need to know about the process of filing for debt relief with the help of a Bankruptcy Lawyer in Temecula CA. Go to, a debt relief agency where experienced attorneys help people seek relief and protection under the bankruptcy code.
For more details visit The Law Offices of Rosenstein & Associates at