If you found this article, its probably because your bank account is frozen due to a creditor bank levy or lien. If a creditor has seized your bank account, an option to quickly “unfreeze” your account is to file for bankruptcy. In fact, it may be your only option. It is very hard to live without a bank account. As you know, you use your bank account to pay for groceries, household items and other basic necessities. A frozen bank account can be disastrous for most people.

When you file for bankruptcy in California or Nevada no judgment creditor is allowed to place a lien on your bank account. If you already have a lien on your bank account due to court judgments from credit card bills or other debts, it will be removed immediately. In some cases, some of the monies removed from your bank account may be returned. The key is to act quickly to make sure that no other judgment creditors place a “freeze” on your account and to try to recover any money a creditor may have received through your bank account. There are special bankruptcy rules that apply in those situations. A California bankruptcy attorney can give you additional information and options based on your specific situation.

For a free bankruptcy consultation contact our Los Angeles bankruptcy law firm, Law office of Chirnese L. Liverpool via phone at  (818) 714-2200.

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You want to be prepared to meet with your bankruptcy attorney, but you don’t know which documents to gather…Let us help you create a basic list.

So get the key out, its time to unlock that document drawer with all of your important documents, this is what you may need:

• Proof of all income for the past six months
• Information on your living expenses
• A complete list of your assets and your liabilities (debts)
• Filed tax returns for the last two years
• All bank statements for the past three months

Each bankruptcy lawyer is different, and will want different things from you, but this is a nice list to get you started.

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90% of the clients that I meet with, want me to scrape everything off my desk and work on their file first.

I tell all of my clients that if they give me everything that I need, I will have their petition to them in less than a week.  In reality, it buys me a little cushion time, because 90% of petitions, I have a first draft to my client for their review within 2 business days.  But sometimes, thats not fast enough for these clients, and they want it filed immediately.

what does my office consider an Emergency bankruptcy? – An emergency bankruptcy to me, is one where the client has one of the following about to occur within the next 2 days or has already occurred?

1) Home being sold in foreclosure

2) Wage Garnishment

3) Bank Levy

These types of bankruptcy cases will always get priority in my office, because they are time-sensitive.  If a client has EVERYTHING that I need to prepare the emergency bankruptcy petition, we can often do it in my office when they meet with me or the same day that they bring in their payment.

What is a Rush Bankruptcy Filing? basically, the client wants you to do it immediately, and cannot provide me with one of the above valid reason for doing so? lol.  As I understand that this is a sensitive time for my clients, I do my best to accommodate any rush bankruptcy filing requests that my client may present me with, in order to give my clients peace of mind.

If you are in need of an Emergency  or Rush bankruptcy filing, give the Law Offices of Chirnese L. Liverpool a call today at (818) 714-2200.

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My clients have all different types of credit cards.  Some of my clients even have credit cards that offer frequent flyer airline miles, that allow you to redeem the miles for an airline ticket after they have accumulated enough airline miles.

So I occasionally get asked, will I lose my frequent flyer airline miles if I file for bankruptcy?  and my answer, is a typical attorney answer, “well it depends”.

The “it depends” all turns on whether or not, the frequent flyer airline miles, would be considered an “asset” in a bankruptcy case.  For the sake of argument, say that it is determined to be an asset – then in most states, like California, the client would hopefully have enough “wild-card exemptions” to cover value of the frequent flyer miles and therefore, they would be able to keep the frequent flyer miles with no problem.  If it’s not determined to be an “asset” then it does not have to be listed on the bankruptcy petition and schedules.  Whether its determined to  be an asset or not has a lot to do with the legal language included in the contract when the debtor signed up for the frequent flyer credit card.  You could discuss this with your California bankruptcy Attorney to determine whether your frequent flyer miles would most likely be an asset or not.

If the person happens to have a credit card where they accumulate points – that may be an entirely different scenario.  In that case, I would recommend my client to convert their points to miles or giftcards or gifts prior to defaulting on their credit card minimum payments.  Then I would recommend that we list the value of the giftcards/gifts on the bankruptcy schedules and exempt them so that the client could be able to keep them.

Each individual’s situation could be different and I would advise you to speak with an experienced bankruptcy attorney when determining whether you would be able keep your frequent flyer miles/points.  If you need to speak with a California bankruptcy attorney, contact the Law Office of Chirnese L. Liverpool at (818) 714-2200.

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Not all debts will be discharged in a chapter 7 bankruptcy.  Some debts that are not dischargeable (you will still owe after you receive your bankruptcy discharge) are student loans, alimony, child support and most taxes.  Alimony and child support are never discharged.  Student loans are only dischargeable if there a lawsuit filed in the bankruptcy alleging Undue Hardship.  I tell most of my clients, that unless you are generally worse off than Jamie Foxx in the movie the Soloist, then most likely, your lawsuit for Undue Hardship will not be successful.  Student loan hardship discharges are very rarely granted.

Most income taxes are not dischargeable.  There are some complicated rules that go along with getting your income tax liabilities discharged.  This article goes into detail about the requirements for discharging income taxes.

In addition, debts incurred thru fraud are non-dischargeable.  However, the creditor must file an adversary proceeding and prove that the debt was incurred thru fraud.  But the general rule, is that debts incurred through fraud are not dischargeable.

Criminal fines and restitution are not dischargeable as well.  So if you owe restitution or a traffic ticket, those obligations will not be discharged in your bankruptcy, so you should go ahead and pay those.

If you need assistance with unpaid medical bills, preventing foreclosure , preventing repossession, reducing financial liabilities, stopping wage garnishments, preventing collection calls, debt settlement, reducing or eliminating tax debt, and or rebuilding your credit consider consulting with us for your options. Bankruptcy gives protection to people in financial trouble who are drowning under piles of debt. Because of today’s difficult economic times millions of people are exercising this protection of filing bankruptcy, Chapter 7 or Chapter 13. The bankruptcy laws were created by Congress to provide relief to those who have been victimized by the rising rate of unemployment, inflation, staggering medical bills, disability, high interest rates, foreclosure, divorce or identity theft.

We are a debt relief agency and can help you reduce or eliminate your liabilities and keep your property. We help people file for bankruptcy relief under the U.S. Bankruptcy Code. We can assist you and your loved ones with filing for bankruptcy and the avoidance of judgments. To review the fees and costs associated with filing bankruptcy visit our bankruptcy page.  Contact the Law Offices of Chirnese L. Liverpool at (818) 714-2200.

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A successful Chapter 7 filing in California will wipe out most of your unsecured debts (medical and utility bills, credit cards, back rent, and other similar amounts owed) and allow you to keep most of your property with voluntary reaffirmation of your secured debts (estate mortgages, car loans, etc.). Filing Chapter 7 bankruptcy in California will also stop your utility disconnection, wage garnishment, and lawsuits as well as prevent creditors from harassing you by phone, mail or other means.

The economy has affected nearly every home. Finding yourself in a situation of financial distress is more common today than it was yesterday. You may have been evicted from your apartment, had your utilities cut off or faced endless harassment by creditors about suing you, garnishing your wages and/or repossessing your property. You may have encountered such life-changing situations as death of a spouse, loss of job or unexpected serious illness, which has severely affected your financial position. Living with a heavy burden of debt can be highly stressful. Although it might be difficult to admit, there are times when filing personal bankruptcy is your best option.

In order to file Chapter 7 bankruptcy in California, federal bankruptcy forms must be filled out.

If someone chooses to file bankruptcy independently (also called pro per), they should be aware that they will be doing so without expert guidance. Additionally, they have to be ready for investigation of Chapter 7 bankruptcy laws in California by themselves. There is also bankruptcy software available which saves you the work of filling out the forms and navigating through Calfiornia bankruptcy laws. However, it cannot ensure that you correctly presented the required information and would not inform you of the state exemptions applicable to your case.

Even the non-attorney petition preparer, an allegedly-trained individual who prepares bankruptcy forms for the debtor, cannot guarantee compliance with all the applicable laws or make sure that you gain maximum advantage from exemptions. Only a professional bankruptcy lawyer can advise you regarding the best time to file, ensure that all the requirements are fulfilled in the proper manner, and guide you to take the maximum benefit of California’s state bankruptcy regulations.

A successful Chapter 7 Bankruptcy Attorney will give you the fresh financial start you are looking for. Chapter 7 bankruptcy is a quite complicated process, if you want to gain the maximum benefit from it, hire a professional and experienced bankruptcy attorney to help you with the process.  It doesn’t have to cost of $1000 dollars.. Due to the expanded requirements of the BAPCPA bankruptcy act of 2005, many lawyers, who used to practice bankruptcy in addition to their other fields, have stopped doing it. Do the filing the right way – call The Law Offices of Chirnese L. Liverpool at (818) 714-2200 and enlist the best professional legal help! Our experienced bankruptcy lawyers have the expertise, knowledge, and skills you are looking for, because our focus is 100% on bankruptcy.

Filing personal bankruptcy is not the end of the road – it is a beginning of a fresh start.

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Many people who have serious debt problems put off talking to a bankruptcy lawyer until a crisis occurs: their wages have been garnished, their car has been repossessed or their house is in foreclosure proceedings.

At The Law Offices Of Chirnese L. Liverpool located close to South Gate,  in Bell Gardens, California, we are in the business of helping people solve debt problems. No matter what kind of financial crisis you are facing, we offer a free initial consultation to discuss your situation and explore your options.

Our lawyers offer bankruptcy and non-bankruptcy solutions to debt and cash flow problems for individuals and families. We can:

• Put an immediate stop to creditor actions such as foreclosure, repossession, garnishment and harassment
• Get back wages and bank accounts that have been garnished
• Obtain tax-free discharge of many types of debt, including credit card bills, hospital bills and unsecured loans
• Protect assets such as your home, car and retirement savings

We invite you to learn more about Chapter 7 bankruptcy, Chapter 13 bankruptcy and bankruptcy alternatives by reading this website. We also offer answers to many questions that people ask us — or should ask us — about bankruptcy and debt problems.

Contact a Los Angeles County Debt Relief Attorney

Your initial phone consultation is always free of charge and carries no obligation. To discuss your financial situation with South Gate bankruptcy attorney Chirnese L. Liverpool, call us at 818-714-2200. You can also send us an e-mail by completing the contact form on this website.

YOU DESERVE TO GET ON WITH YOUR LIFE. WE CAN HELP

WE ARE A DEBT RELIEF AGENCY HELPING PEOPLE FILE FOR RELIEF UNDER THE BANKRUPTCY CODE

Chirnese L. Liverpool, Esq.
Law offices of Chirnese L. Liverpool
6445 Florence Ave. Suite A
Bell Gardens, CA 90201
(818) 714-2200
http://www.liverpoollegal.com

If you are interested in knowing how to get the bankruptcy process started, click here .

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Many people who have serious debt problems put off talking to a bankruptcy lawyer until a crisis occurs: their wages have been garnished, their car has been repossessed or their house is in foreclosure proceedings.

At The Law Offices Of Chirnese L. Liverpool located close to Whittier,  in Bell Gardens, California, we are in the business of helping people solve debt problems. No matter what kind of financial crisis you are facing, we offer a free initial consultation to discuss your situation and explore your options.

Our lawyers offer bankruptcy and non-bankruptcy solutions to debt and cash flow problems for individuals and families. We can:

• Put an immediate stop to creditor actions such as foreclosure, repossession, garnishment and harassment
• Get back wages and bank accounts that have been garnished
• Obtain tax-free discharge of many types of debt, including credit card bills, hospital bills and unsecured loans
• Protect assets such as your home, car and retirement savings

We invite you to learn more about Chapter 7 bankruptcy, Chapter 13 bankruptcy and bankruptcy alternatives by reading this website. We also offer answers to many questions that people ask us — or should ask us — about bankruptcy and debt problems.

Contact a Los Angeles County Debt Relief Attorney

Your initial phone consultation is always free of charge and carries no obligation. To discuss your financial situation with Whittier bankruptcy attorney Chirnese L. Liverpool, call us at 818-714-2200. You can also send us an e-mail by completing the contact form on this website.

YOU DESERVE TO GET ON WITH YOUR LIFE. WE CAN HELP

WE ARE A DEBT RELIEF AGENCY HELPING PEOPLE FILE FOR RELIEF UNDER THE BANKRUPTCY CODE

Chirnese L. Liverpool, Esq.
Law offices of Chirnese L. Liverpool
6445 Florence Ave. Suite A
Bell Gardens, CA 90201
(818) 714-2200
http://www.liverpoollegal.com

If you are interested in knowing how to get the bankruptcy process started, click here .

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At the Law Office of Chirnese L. Liverpool, PLLC we are client focused and results driven. Our primary goal is to get you back on your feet and on your way to establishing that fresh start.

Looking for a Bankruptcy Attorney near Long Beach?
Call us for a free consultation at 818-714-2200.

We are conveniently located in Bell Gardens, CA and can serve the residents of Long Beach and the surrounding areas. You can come in and meet with us, or we can do everything virtually, whichever is most convenient for you.

We realize filing for bankruptcy protection is generally not your first choice to resolve financial issues, but if it may be the best alternative under the circumstances. We encourage our clients to focus on the stress relief they will have once the process is complete. Let us help you through this difficult time.

Getting debt relief by filing either a chapter 7 or chapter 13 bankruptcy can provide you with a fresh start. A competent lawyer can help you make the right decision for your circumstances. We will help you to explore your options and see the light at the end of the tunnel.

In 2005, changes were made to the bankruptcy laws that can affect an individual’s ability to file for bankruptcy. The good part is, since the changes were primarily designed to prevent excessive abuse, most people having financial difficulty can still qualify for some type of relief.

Start now to eliminate your financial concerns and begin improving your life and credit. Our goal is to help make this process as painless as possible.

YOU DESERVE TO GET ON WITH YOUR LIFE. WE CAN HELP

WE ARE A DEBT RELIEF AGENCY HELPING PEOPLE FILE FOR RELIEF UNDER THE BANKRUPTCY CODE

Chirnese L. Liverpool, Esq.
Law offices of Chirnese L. Liverpool
6445 Florence Ave. Suite A
Bell Gardens, CA 90201
(818) 714-2200
http://www.liverpoollegal.com

If you are interested in knowing how to get the bankruptcy process started, click here .

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Chapter 7 and Chapter 13 Bankruptcy Lawyer located near Sylmar, California

Bankruptcy Informational Video

The California law offices of Chirnese L. Liverpool, PLLC. is a debt relief agency helping individual consumers and their families file for Chapter 7 and Chapter 13 Bankruptcy relief under the Bankruptcy Code. From our office in Van Nuys, California, we are able to assist debtors located in Sylmar, California and the surrounding areas.

If you feel like you are drowning under credit card debt, medical bills, car payments, or mortgage payments, do not despair. Filing for bankruptcy may seem like a daunting experience, but for consumers facing seemingly insurmountable debt, bankruptcy is often a viable option that can help you obtain the relief you need to find a fresh start. Attorney Chirnese L. Liverpool has helped people across California and Nevada examine their financial situation and determine the best debt relief option for their particular situation. Mrs. Liverpool can help wage earners reorganize debts into suitable repayment plans and assist distressed debtors in obtaining a discharge of debts by filing for bankruptcy liquidation.

Attorney Chirnese L. Liverpool and her supportive staff are committed to helping clients through the sometimes overwhelming process of filing for bankruptcy. We provide personalized assistance and dedicate as much time as needed to help you obtain relief from the burden of your debt. To find out how we can help you, contact the Law Offices of Chirnese L. Liverpool at (818) 714-2200 today for a free initial phone consultation.

YOU DESERVE TO GET ON WITH YOUR LIFE. WE CAN HELP
WE ARE A DEBT RELIEF AGENCY HELPING PEOPLE FILE FOR RELIEF UNDER THE BANKRUPTCY CODE

Chirnese L. Liverpool, Esq.
Law offices of Chirnese L. Liverpool
6277 Van Nuys Blvd. Suite 126
Van Nuys, CA 91401
(818) 714-2200
http://www.liverpoollegal.com

If you are interested in knowing how to get the bankruptcy process started, click here .

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Emergency Foreclosure and Garnishment Assistance by an Experienced Northridge Bankruptcy Attorney

Emergency legal assistance for debt pressures may be available to qualified debtors who face urgencies such as foreclosure or garnishment.

In these types of special cases a qualified debtor, who meets all necessary criteria for emergency attention, may be able to get more expeditious assistance in addressing a debt problem. Many debtors, however, may not have a real emergency, but know that they cannot take the financial pressure any longer. They realize that they may not need emergency attention, but want to start the ball rolling to end the financial pressures.

Whether a debtor has a true emergency or just needs to start to address getting debt relief through bankruptcy, it is important to move forward to address the financial problems. Debt difficulties may not only be emotionally draining, but can be the cause of other legal problems. A debt problem that goes unattended can cause a financial downward spiral.

A debtor experiencing a downward financial spiral can start to address debt problems by exploring bankruptcy alternatives. To be able to get bankruptcy relief a debtor must be determined to be eligible for such relief under applicable federal bankruptcy law.

Northridge Bankruptcy Lawyer Ready to Help You with the Bankruptcy Process

A debtor wanting to begin the process of exploring debt relief can start by contacting the California bankruptcy Law Offices of Chirnese L. Liverpool, P.L.L.C., with two office locations: Van Nuys and Bell Gardens in California. A confidential meeting can be arranged for the debtor to meet with a Northridge, California bankruptcy lawyer to do a bankruptcy evaluation. At that time, there can be a discussion of appropriate potential legal avenues available to deal appropriately with the debtor’s situation. This discussion can include bankruptcy alternatives and, where appropriate, emergency filings for debt relief.

Meeting a California Bankruptcy Attorney

Contact a Northridge bankruptcy Attorney at our Van Nuys office or a California bankruptcy lawyer at the Bell Gardens Law offices of Chirnese L. Liverpool, P.L.L.C, to discuss your specific situation and your options for debt relief by filing for Chapter 7 bankruptcy protection. Make a confidential appointment to meet in person with an experienced California bankruptcy attorney at either our Van Nuys or Bell Gardens law office by calling our central scheduling telephone number of (818) 714-2200. We offer flexible appointment times for your convenience.

YOU DESERVE TO GET ON WITH YOUR LIFE. WE CAN HELP
WE ARE A DEBT RELIEF AGENCY HELPING PEOPLE FILE FOR RELIEF UNDER THE BANKRUPTCY CODE

Chirnese L. Liverpool, Esq.
Law offices of Chirnese L. Liverpool
6277 Van Nuys Blvd. Suite 126
Van Nuys, CA 91401
(818) 714-2200
http://www.liverpoollegal.com

If you are interested in knowing how to get the bankruptcy process started, click here .

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Emergency Foreclosure and Garnishment Assistance by an Experienced Reseda Bankruptcy Attorney

Emergency legal assistance for debt pressures may be available to qualified debtors who face urgencies such as foreclosure or garnishment.

In these types of special cases a qualified debtor, who meets all necessary criteria for emergency attention, may be able to get more expeditious assistance in addressing a debt problem. Many debtors, however, may not have a real emergency, but know that they cannot take the financial pressure any longer. They realize that they may not need emergency attention, but want to start the ball rolling to end the financial pressures.

Whether a debtor has a true emergency or just needs to start to address getting debt relief through bankruptcy, it is important to move forward to address the financial problems. Debt difficulties may not only be emotionally draining, but can be the cause of other legal problems. A debt problem that goes unattended can cause a financial downward spiral.

A debtor experiencing a downward financial spiral can start to address debt problems by exploring bankruptcy alternatives. To be able to get bankruptcy relief a debtor must be determined to be eligible for such relief under applicable federal bankruptcy law.

Reseda Bankruptcy Lawyer Ready to Help You with the Bankruptcy Process

A debtor wanting to begin the process of exploring debt relief can start by contacting the California bankruptcy Law Offices of Chirnese L. Liverpool, P.L.L.C., with two office locations: Van Nuys and Bell Gardens in California. A confidential meeting can be arranged for the debtor to meet with a Reseda, California bankruptcy lawyer to do a bankruptcy evaluation. At that time, there can be a discussion of appropriate potential legal avenues available to deal appropriately with the debtor’s situation. This discussion can include bankruptcy alternatives and, where appropriate, emergency filings for debt relief.

Meeting a California Bankruptcy Attorney

Contact a Reseda bankruptcy Attorney at our Van Nuys office or a California bankruptcy lawyer at the Bell Gardens Law offices of Chirnese L. Liverpool, P.L.L.C, to discuss your specific situation and your options for debt relief by filing for Chapter 7 bankruptcy protection. Make a confidential appointment to meet in person with an experienced California bankruptcy attorney at either our Van Nuys or Bell Gardens law office by calling our central scheduling telephone number of (818) 714-2200. We offer flexible appointment times for your convenience.

YOU DESERVE TO GET ON WITH YOUR LIFE. WE CAN HELP
WE ARE A DEBT RELIEF AGENCY HELPING PEOPLE FILE FOR RELIEF UNDER THE BANKRUPTCY CODE

Chirnese L. Liverpool, Esq.
Law offices of Chirnese L. Liverpool
6277 Van Nuys Blvd. Suite 126
Van Nuys, CA 91401
(818) 714-2200
http://www.liverpoollegal.com

If you are interested in knowing how to get the bankruptcy process started, click here .

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Canoga Park Bankruptcy  Lawyer

If you are having trouble keeping up with your bills, don’t be afraid to ask for help. Depending on your situation, bankruptcy can be a sound debt relief solution to help get you back on the right financial path.

There are many things to consider in making your decision about filing bankruptcy or choosing another course of action. At the Law Offices of Chirnese L. Liverpool, P.L.L.C, located near Canoga Park in Van Nuys, California, we work with clients from many different backgrounds who need help getting out from under the burden of excessive debt. We will be there with you every step of the way to ensure that the process goes smoothly and that you receive the debt relief you need. Contact a Canoga Park bankruptcy lawyer to learn more.

Debt Relief Through Bankruptcy

Our bankruptcy attorney, Chirnese L. Liverpool, has been practicing law since 2008. Her knowledge and understanding of the bankruptcy laws is a proven asset to her clients filing for Chapter 7 bankruptcy and Chapter 13 bankruptcy.

Learn more about these related topics:

• The bankruptcy means test
• Divorce and bankruptcy
• Avoiding foreclosure and repossession
• Bankruptcy myths
• Alternatives to bankruptcy

Call to Schedule Your Initial Consultation

We pride ourselves on the personalized service we provide to every client. Our clients also appreciate the friendliness and approachability of everyone at our firm.

Contact a Chapter 7 bankruptcy lawyer today at (818) 714-2200 to discuss your legal questions. We are available during regular business hours and by appointment at other times. For your convenience, we offer payment plans for our clients who need them.

YOU DESERVE TO GET ON WITH YOUR LIFE. WE CAN HELP
WE ARE A DEBT RELIEF AGENCY HELPING PEOPLE FILE FOR RELIEF UNDER THE BANKRUPTCY CODE

Chirnese L. Liverpool, Esq.
Law offices of Chirnese L. Liverpool
6277 Van Nuys Blvd. Suite 126
Van Nuys, CA 91401
(818) 714-2200
http://www.liverpoollegal.com

If you are interested in knowing how to get the bankruptcy process started, click here .

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NORTH HOLLYWOOD BANKRUPTCY LAWYER

If you are having trouble keeping up with your bills, don’t be afraid to ask for help. Depending on your situation, bankruptcy can be a sound debt relief solution to help get you back on the right financial path.

There are many things to consider in making your decision about filing bankruptcy or choosing another course of action. At the Law Offices of Chirnese L. Liverpool, P.L.L.C, located near North Hollywood in Van Nuys, California, we work with clients from many different backgrounds who need help getting out from under the burden of excessive debt. We will be there with you every step of the way to ensure that the process goes smoothly and that you receive the debt relief you need. Contact a North Hollywood bankruptcy lawyer to learn more.

Debt Relief Through Bankruptcy

Our bankruptcy attorney, Chirnese L. Liverpool, has been practicing law since 2008. Her knowledge and understanding of the bankruptcy laws is a proven asset to her clients filing for Chapter 7 bankruptcy and Chapter 13 bankruptcy.

Learn more about these related topics:

• The bankruptcy means test
• Divorce and bankruptcy
• Avoiding foreclosure and repossession
• Bankruptcy myths
• Alternatives to bankruptcy

Call to Schedule Your Initial Consultation

We pride ourselves on the personalized service we provide to every client. Our clients also appreciate the friendliness and approachability of everyone at our firm.

Contact a Chapter 7 bankruptcy lawyer today at (818) 714-2200 to discuss your legal questions. We are available during regular business hours and by appointment at other times. For your convenience, we offer payment plans for our clients who need them.

YOU DESERVE TO GET ON WITH YOUR LIFE. WE CAN HELP
WE ARE A DEBT RELIEF AGENCY HELPING PEOPLE FILE FOR RELIEF UNDER THE BANKRUPTCY CODE

Chirnese L. Liverpool, Esq.
Law offices of Chirnese L. Liverpool
6277 Van Nuys Blvd. Suite 126
Van Nuys, CA 91401
(818) 714-2200
http://www.liverpoollegal.com

If you are interested in knowing how to get the bankruptcy process started, click here .

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Sherman Oaks Bankruptcy Attorney

The bankruptcy Law Offices of Chirnese L. Liverpool, PLLC helps individuals unable to pay their bills to get a fresh financial start through filing for bankruptcy. Consumer bankruptcy is either Chapter 7 or Chapter 13.

Chapter 7 — the most common form of bankruptcy

Chapter 7 is a liquidation of personal assets and the most common type of bankruptcy proceeding. Liquidation involves the appointment of a trustee who collects the non-exempt property of the debtor, sells it, and then distributes the proceeds to creditors. Your car and primary residence can be declared exempt and retained.  A Chapter 7 proceeding can result in the removal of the following kinds of debt:

Credit card debt
Medical bills
Deficiencies for repossessed autos
Most personal loans
Older tax debts

Garnishments
Utilities
Memberships
Subscriptions
Foreclosure Deficiencies

Chapter 13 — personal reorganization

Chapter 13 bankruptcy allows an individual with a regular income to propose and carry out a repayment plan. Under court supervision and protection, the person pays creditors over a period of three to five years. During this time, creditors are prohibited from continuing collection efforts.

For creditor and bankruptcy assistance in Sherman Oaks, California

For help when you need debt relief contact The Law Offices of Chirnese L. Liverpool PLLC at (818) 714-2200 to set up a consultation today.

YOU DESERVE TO GET ON WITH YOUR LIFE. WE CAN HELP
WE ARE A DEBT RELIEF AGENCY HELPING PEOPLE FILE FOR RELIEF UNDER THE BANKRUPTCY CODE

Chirnese L. Liverpool, Esq.
Law offices of Chirnese L. Liverpool
6277 Van Nuys Blvd. Suite 126
Van Nuys, CA 91401
(818) 714-2200
http://www.liverpoollegal.com

If you are interested in knowing how to get the bankruptcy process started, click here .

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Newbury Park Bankruptcy Attorney

The bankruptcy Law Offices of Chirnese L. Liverpool, PLLC helps individuals unable to pay their bills to get a fresh financial start through filing for bankruptcy. Consumer bankruptcy is either Chapter 7 or Chapter 13.

Chapter 7 — the most common form of bankruptcy

Chapter 7 is a liquidation of personal assets and the most common type of bankruptcy proceeding. Liquidation involves the appointment of a trustee who collects the non-exempt property of the debtor, sells it, and then distributes the proceeds to creditors. Your car and primary residence can be declared exempt and retained.  A Chapter 7 proceeding can result in the removal of the following kinds of debt:

Credit card debt
Medical bills
Deficiencies for repossessed autos
Most personal loans
Older tax debts

Garnishments
Utilities
Memberships
Subscriptions
Foreclosure Deficiencies

Chapter 13 — personal reorganization

Chapter 13 bankruptcy allows an individual with a regular income to propose and carry out a repayment plan. Under court supervision and protection, the person pays creditors over a period of three to five years. During this time, creditors are prohibited from continuing collection efforts.

For creditor and bankruptcy assistance in Newbury Park, California

For help when you need debt relief contact The Law Offices of Chirnese L. Liverpool PLLC at (818) 714-2200 to set up a consultation today.

YOU DESERVE TO GET ON WITH YOUR LIFE. WE CAN HELP
WE ARE A DEBT RELIEF AGENCY HELPING PEOPLE FILE FOR RELIEF UNDER THE BANKRUPTCY CODE

Chirnese L. Liverpool, Esq.
Law offices of Chirnese L. Liverpool
6277 Van Nuys Blvd. Suite 126
Van Nuys, CA 91401
(818) 714-2200
http://www.liverpoollegal.com

If you are interested in knowing how to get the bankruptcy process started, click here .

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When Is the Best Time to File Bankruptcy?

It is important to think about when you file bankruptcy. Certain times are better for filing bankruptcy than others. Think about the following things when planning to file bankruptcy:

• Do not wait until the last minute if you might be facing garnishment, repossession, eviction, or foreclosure. It takes some time to fill out your bankruptcy forms. You must have enough time to receive your pre-bankruptcy filing course certificate, otherwise we cannot file your petition. Do not wait until your situation is an emergency.
• If you are not facing garnishment, repossession, eviction, or foreclosure, you may want to wait to file bankruptcy. If no one in your household has employment income, and you are not at risk of losing any assets, you might not need to file bankruptcy at this point. Remember, you can only file bankruptcy once every eight years. If there is a chance your financial situation might get worse, it is wise to wait and file bankruptcy then.
• If you have been unemployed but you expect to get a job soon, you may want to file bankruptcy now. Creditors can’t garnish your income when you are only receiving public benefits. Once you start earning money, you might be garnished. Also, a good time to get a fresh start is when your financial situation is about to improve. This is when to wipe the slate clean and start over.
• You should not file bankruptcy yet if you expect more large debts to come along. You can only file bankruptcy once every eight years. If you know that you will probably have more debts happening soon, you should wait to file bankruptcy. That way all those debts will be included. For example, You may be pregnant, if you file now, you will not be able to include hospital bills in your bankruptcy.  Or maybe you know you have to have surgery in the next year. If you file bankruptcy now, you will not be able to include the hospital bill for the surgery. You will have to pay it.

If you need assistance in determining when is the best time for you to file for bankruptcy, call the Law Offices of Chirnese L. Liverpool at (818) 714-2200 to schedule your free phone consultation.

If you live in North Carolina and are in need of bankruptcy assistance, contact the Maxwell Law Firm, PLLC at 704-461-1883.

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When I conduct my California bankruptcy consultations, I try to tell my clients that although a bankruptcy can be reported at the three credit bureaus for up to 10 years, it does not have to affect you for the full 10 years.  And to be honest, by the time most clients come to meet with me their credit scores are already below the 600′s. Yes, bankruptcy does remain on your credit report for up to 10 years, however immediately after filing for bankruptcy you have provided yourself with a fresh start. The seemingly almost never ending snowball effect of bad credit decisions or the inability to pay your debt obligations due to unforeseen circumstances is more devastating to your credit than a onetime bankruptcy.

So what happens with your credit score after you file the bankruptcy? (keep in mind that credit scoring is an anomaly and 9th wonder of world) Generally, ones credit rating after one year in a  post-bankruptcy status is substantial. One of the factors in determining your credit worthiness is the debt-to-income ration.  Once you receive your bankruptcy discharge, you have cleared yourself of the high debt-to-income ratio.

alot of my clients tell me that after they receive their bankruptcy discharge, they have begun to receive credit offers in the mail. The reason behind that is since bankruptcy laws prevent you from re-filing bankruptcy for a particular amount of years, the creditors are safe to assume that you will pay your obligations. The filing of bankruptcy is an option to help you start over and get back  above water. It is not an overnight process but within 12-18 months of your discharge, you will see a dramatic improvement in your ability to rebuild your credit.

If you are seeking bankruptcy help the Law offices of Chirnese L. Liverpool can help you in California and Nevada.

If you need assistance in North Carolina, contact the Maxwell Law Firm, PLLC.

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What are my options if I have no equity in my home?

Due to the current state of of our economy, a lot of homeowners have no equity in their home.  What is equity, equity is owing less on the home that the home is worth.  If you owe more than your house is worth, than you have no equity in your home., if you have no equity in your home, you have three options: (1)  Continue to live in and pay for the house and pray that the home value increases, (2) return the home to the bank or (3) sell the home.    If you decide to exercise option 2 and give the house to the bank, this may be done, with or with out a bankruptcy.  If you do not file a bankruptcy then there may be a deficiency owed for the difference between the foreclosure sale price and the amount remaining on your loan.  The bank may attempt to collect the difference from your personally or may file a 1098/1099 with the IRS, and treat the deficiency amount as earned income.  You would then be personally liable for the difference as if it were earned income from that tax year.  A bankruptcy or reorganization may save you from the deficiency judgment and the 1099 taxable gain.  Call your California bankruptcy lawyer at (818) 714-2200 for more information.

If you are seeking bankruptcy help the Law offices of Chirnese L. Liverpool can help you in California and Nevada.

If you need assistance in North Carolina, contact the Maxwell Law Firm, PLLC.

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Today, I had a potential client come into my Bell Gardens office location wondering whether a Wrongful Death Lawsuit (judgment) can be discharged by filing for bankruptcy.

As I am always seeking new topics to blog about, I thought this one would be a great topic – even if not alot of people are in this situation.

so….

Can a wrongful death lawsuit (judgment) be discharged in bankruptcy?

It depends (typical lawyer answer, I know) some wrongful death lawsuits can be discharged by filing bankruptcy and receiving a discharge. The federal bankruptcy laws permit the discharge of negligence damages, and a person could be released from having to pay a judgment for accidentally causing a death. Yet, some bankruptcy courts may make damages resulting from “recklessness” or gross negligence non-dischargeable. Legal debts caused by drunk driving can’t be discharged in bankruptcy.

If you need assistance with unpaid medical bills, preventing foreclosure , preventing repossession, reducing financial liabilities, stopping wage garnishments, preventing collection calls, debt settlement, reducing or eliminating tax debt, and or rebuilding your credit consider consulting with us for your options. Bankruptcy gives protection to people in financial trouble who are drowning under piles of debt. Because of today’s difficult economic times millions of people are exercising this protection of filing bankruptcy, Chapter 7 or Chapter 13. The bankruptcy laws were created by Congress to provide relief to those who have been victimized by the rising rate of unemployment, inflation, staggering medical bills, disability, high interest rates, foreclosure, divorce or identity theft.

We are a debt relief agency and can help you reduce or eliminate your liabilities and keep your property. We help people file for bankruptcy relief under the U.S. Bankruptcy Code. We can assist you and your loved ones with filing for bankruptcy and the avoidance of judgments. To review the fees and costs associated with filing bankruptcy visit our bankruptcy page.  Contact the Law Offices of Chirnese L. Liverpool at (818) 714-2200.

Maxwell Law Firm represents clients in North Carolina with: bankruptcy court, chapter 7 bankruptcy, foreclosure defense, chapter 13 bankruptcy representation, and loan modifications. You may schedule your appointment by calling 704-780-1100.  Save an additional 25% off the bankruptcy fees by scheduling your appointment online.

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