If I Forget To List A Creditor, Can It Still Be Discharged?

The Bankruptcy Code requires you to list all of your debts, assets and sources of income.  If you inadvertently leave a creditor off your petition, it can be added by amending the petition to include the debt, provided your case hasn’t been closed by court and the trustee hasn’t made any distributions to creditors.  Amendments are ideally done before the close of your bankruptcy case.  Because an amendment is an extra action that our office will have to take, there is a charge for this.  If the fee to amend your petition is less than the debt, it probably makes sense to amend your petition to include it.  If you don’t amend, you will be liable on the debt and your bankruptcy discharge will not protect you from the future collection actions by the creditor.  If you realize you left a creditor off your petition after your case is closed, your case can be reopened to add the creditor unless your case was an asset case – meaning the Trustee liquidated assets and paid creditors some amount toward your debts.  In these situations, you will be liable for the old debt.  There is also a fee to reopen a bankruptcy case once it has been closed.

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Oftentimes, stressed out clients want to know – what does my office do for them after they have retained our office.

Well, at the Law Office of Chirnese L. Liverpool, here is a sample of the things that we do for you:

• We let you know you’ll keep your job because you’ve saved your car from being repossessed.
• We give you room in your mailbox for holiday cards instead of bills.
• We let your answering machine be empty when you come home from work (except for calls from loved ones).
• We let you answer your phone without your heart seizing with fear that it’s someone calling to attempt to collect a bill.
• We let you know your kids will be going to the same school next fall, because you’ve saved your home from foreclosure.
• We let you sleep at night.

Oh, and we also deal with creditors and the Court, prepare and file pleadings, argue on your behalf, and do all of the other “lawyer work.”

But what our clients remember is the important stuff above. *That* is what we really do.

If you would like to discuss how our office can help you to have peace of mind, give us a call today at (818) 714-2200.

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Its not required that both spouses file a joint bankruptcy petition. Oftentimes when there is not a lot of joint financial obligations, and only one spouse is financially in trouble, then only one spouse will file.

So, if your spouse files for bankruptcy and completes the bankruptcy resulting in a discharge of all of their liabilities, then the creditors can no longer attempt to collect a debt from them (or else they are in violation of the automatic stay).

But what about you?  You did not file for bankruptcy, can they still collect the debt from you?  Well it depends,  were you legally responsible for the debt (co-signer) or were you simply listed as an authorized user on the account?  If you were a co-signer of the debt then, yes, they can still attempt collection efforts against you.  If you were simply an authorized user on the account, then no, they cannot attempt to collect from you.

If the collection attempts are getting unbearable, please contact the Law Office of Chirnese L. Liverpool to determine whether bankruptcy is a good option for you.  We can be reached at (818) 714-2200.

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Signs of a Great Bankruptcy Attorney

You’ve worked hard to establish yourself, but now bankruptcy is now knocking at your door. You are now being bothered by creditors who keep on nagging you to pay your bills. Your mail box is over flowing with piles of unopened bills and notices. What should you do? Find a great bankruptcy lawyer. A bankruptcy lawyer should be able to help you out with your financial problems.

But how and where do you find a good bankruptcy lawyer? What are the qualities to look for in a good bankruptcy attorney to know if this lawyer can truly help you with your financial woes?

Listed below are the qualities that a good bankruptcy lawyer should have:

1. She should be able to give you sound advice in order for you to have a good financial future.
2. She should be able to clearly explain the nature of your case to you. It is her job to be familiar and updated with the new changes in the bankruptcy law. If she can properly convey that information to you, and make you understand your options even more, this will help a lot.
3. She should be fairly available when you need to talk to her.  This can be either by phone or email.
4. She should provide you information on the entire process and what to expect.
5. She should also be able to suggest other alternatives that are possible if bankruptcy is not your best route.

Aside from these qualities, you should also consider your budget for the professional fee of the lawyer. Make sure that you get a good bankruptcy lawyer that charges a reasonable fee.

Once you find the perfect candidate to help out with your financial situation, bear in mind to schedule a consultation.  It is important to feel comfortable with the lawyer before investing your money with her.

At the end, finding the right bankruptcy lawyer to help you with your financial situation entails a little work but it is definitely a good investment.

If you live in California or Nevada and are looking for a great bankruptcy attorney, contact the Law Office of Chirnese L. Liverpool at (818) 714-2200.

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Upon receiving a bankruptcy discharge, many individuals find out that they are still in Chex Systems, Telecheck and SCAN.  These agencies are all subject to the Fair Credit Reporting Act (FCRA) and must report accurate information.

Individuals end up with these reporting agencies usually because their bank account was closed due to fraud, insufficent funds, returned check or some other reason that you owe the financial institution money.  HOWEVER, if you successfully complete your bankruptcy and receive a bankruptcy discharge, than your financial liabilities to these banks should now be $0.00.  Since Chex Systems, Telecheck and SCAN report the “financial obligation” owed by the debtor, they must report the account as “$0.00 owed, discharged in bankruptcy” (or some other legalese)   Once you no longer owe a financial obligation, then you can take the following steps.

Chex Systems:

Chex Systems does have a department that deals with those that have filed for bankruptcy bankruptcy relief.  You just need to fax over the document you received when you filed (you don’t have to wait for discharge papers) your bankruptcy.  It shows the date of filing, the case number, the trustee and judge, etc.  Chex Systems fax number is (602) 659-2197.

If you prefer to mail it in, Chex Systems address is:

Chex Systems, Inc. , 7805 Hudson Road, Suite 100, Woodbury, MN 55125

Telecheck:

You can also notify Telecheck of your bankruptcy discharge by sending in a copy of your discharge notice to the following fax number: (402) 916-8160.

If Chex Systems, Telecheck and SCAN are not notified of your bankruptcy discharge, you will stay in their system for up to 5 years.

If you are tired of the bill collectors harassing you and are interested in filing for bankruptcy, then contact our bankruptcy office – The Law Office of Chirnese L. Liverpool at (818) 714-2200 to see how we can help you to get debt relief.

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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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Filing bankruptcy can help you improve your credit score.

What? Am I crazy? How can filing bankruptcy help you to improve your credit score? Keep reading!

Mounting medical bills not covered by health insurance, high credit card debt, job loss, divorce, these are all reasons that may cause a person to file for Chapter 7 bankruptcy.

Depending on your ability to obtain new credit, being back in the 600 credit score range in a short period of time after filing chapter 7 bankruptcy is possible.  Here are some ways that Chapter 7 Bankruptcy may help increase your credit score and help you get your financial life back on track:
• You can apply for credit immediately after you receive your bankruptcy discharge.
• You can get a new vehicle loan as soon as one month after receiving your bankruptcy discharge (however you may have a higher interest rate).
• If you have the income, you may qualify for a government backed mortgage 2 years after your bankruptcy discharge is entered.
• By buying a new home, vehicle, or getting new credit cards and making your monthly payments on or before your due date – your credit score may rise in a short period of time.
Remember that filing a Chapter 7 Bankruptcy can help get you debt free and let you start again with a clean slate. For legal assistance and more information please contact our bankruptcy attorneys at the Law office of Chirnese L Liverpool at (818) 714-2200 for your free bankruptcy consultation.

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Possible dangers of filing your bankruptcy with a BPP paralegal.

The bankruptcy rules do not require that you have a bankruptcy attorney in order to file for Chapter 7 or Chapter 13 bankruptcy.  In fact, the bankruptcy rules allow you to have a Bankruptcy Petition Preparer (BPP) fill out your bankruptcy forms for you.  So why should you pay an attorney, when you can pay a BPP to fill them out for you.

First of all, under the rules, the BPP’s are not attorneys.  So they cannot give you legal advice regarding your situation.  Only attorneys can assess your situation and give you legal advice under the law.  BPP’s are supposed to simply type up your documents under your direction.  If you could direct someone to do it, then you could possibly do it yourself.

BPP’s are not required to take any bankruptcy courses or have any formal experience with bankruptcy petitions.  You could be their very first client.  Or, they may mess up your case causing you to lose your home, vehicle, 401k, and/or other assets.

BPP’s are not permitted to assist you at your 341a meeting of the creditors.  Your bankruptcy attorney will prepare you for what to expect at the meeting of creditors and go with you to the 341a meeting of the creditors.

If you are thinking of filing bankruptcy either on your own or through a petition preparer, it may be beneficial to seek a free consultation with a bankruptcy attorney.

The law office of Chirnese L. Liverpool helps people just like you everyday, contact us to schedule your free phone consultation at (818) 714-2200 or visit our website at http://www.liverpoollegal.com

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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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What is an Emergency Bankruptcy Petition?

In California, we are permitted to file an Emergency Bankruptcy Petition.  An emergency bankruptcy petition, is simply a skeleton bankruptcy petition.  It only includes the very bare information needed in order to file a bankruptcy and get a bankruptcy case number.

Whats included in the bankruptcy Emergency Petition?

When we file an Emergency bankruptcy petition in California, we must include the following documents:

1) Voluntary Petition

2) Exhibit D along with Certificate of Credit Counseling

3) Creditor Matrix

Why would I file an Emergency Bankruptcy Petition?

Most people that file an emergency bankruptcy petition, are trying to get a bankruptcy case number and get automatic stay protection that comes along with filing a bankruptcy in order to stop a home foreclosure, wage garnishment, bank levy, or lawsuit.

When is the rest of the petition filed?

The rest of the petition – the meat of the petition – must be filed within 14 days, otherwise, the bankruptcy case will be dismissed.

If you are thinking of filing a chapter 7 bankruptcy, contact the Law Office of Chirnese L. Liverpool at (818) 714-2200 for your free phone consultation.

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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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The bankruptcy code and rules require a California Chapter 7 bankruptcy debtor to send a copy of his or her most recent federal income tax return (or transcript) within the last seven years to their bankruptcy trustee.  This must be done at least 7 days before the 341a meeting of the creditors.  However, the tax return should be sent over to the trustee as soon as the case is filed.  Why?  The bankruptcy code also allows a bankruptcy filer to provide a copy of his or her tax return to a creditor, upon request.  But, the creditor’s request only needs to be honored if it is made before the bankruptcy filer provides a copy of the tax return to the trustee.  In other words, once you provide a copy of your tax return to the bankruptcy trustee the creditor has no right under the law to require you to turn over your tax return.  If you wait to provide your tax return until the deadline of seven days before the 341a meeting you run the risk that a creditor will make a request for a copy of your tax return.  Tax returns contain a lot of private and personal information and frankly, the fewer persons who have a copy the better.

If you fail to give your bankruptcy trustee  a copy of your most recent tax return at least 7 days prior to your meeting, then your case can be dismissed.  If you don’t have a copy of your return you or your attorney can request a tax transcript.

California bankruptcy attorney Chirnese L. Liverpool can represent you in your Chapter 7 or Chapter 13 bankruptcy case and make sure your tax information is handled properly.  Fill out our online form or call 818-714-2200 to schedule your free initial consultation.  We help people all over California and Nevada get a fresh start through bankruptcy.  Consultations are available in office or by phone.

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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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For a chapter 7 bankruptcy, the simple answer is yes, child support is considered income for the bankruptcy means test.  Therefore, it is possible that this may make you fail the means test and not be eligible to file for bankruptcy, if your income is too high.

For a chapter 13 bankruptcy, the child support is considered income on one part of the means test, and then you turn around and deduct it on another part of the means test, so they can cancel each other out.

If you live in California, and have additional questions regarding child support and bankruptcy, please 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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If you are thinking about filing for bankruptcy, please call the Law Offices Of Chirnese L. Liverpool at (818) 714-2200 for a FREE consultation.

IF YOU:

Are paying only the minimum amount due on your credit cards;

• Can’t budget yourself out of debt within five years;
• Are getting notices that your mortgage or home loans are being foreclosed;
• Have had a severe financial setback, such as losing your job;

THEN YOU MIGHT WANT TO CONSIDER BANKRUPTCY. IN OUR CONSULTATIONS, WE EVALUATE YOUR ENTIRE FINANCIAL PICTURE TO HELP YOU DETERMINE IF THERE ARE ANY OTHER ALTERNATIVES.

Defining Debts

Secured debt is a debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien to satisfy the debt if you default.

Whereas, an unsecured debt is not tied to any item of property. A creditor has no right to grab property to satisfy the debt if you default. The creditor must sue you and obtain a judgment by the court.

A purchase money debt is a debt on which the creditor keeps a security interest in the property given to the debtor so that the debtor may acquire rights in or use the collateral.

 What is Bankruptcy and How Does It Work?

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy allows the Court to eliminate debts that you have no ability to pay. It applies when the monthly payment on all personal overhead such as rent, utilities, and groceries exceeds your take-home income. The debtor’s assets are liquidated and the proceeds are distributed to creditors. An individual’s home, care, and many other property items can be kept by the individual pursuant to the law.

Chapter 13 Bankruptcy

Chapter 13 provides a reorganization of your debt allowing you to pay off all or part of your debts over time. It applies when your income exceeds your monthly personal overhead to some extent such that you are able to repay some portion of the debt back. This forces creditors to negotiate with you subject to a bankruptcy trustee’s approval.

Please fill out the following questionnaire before your scheduled appointment:

DOWNLOAD: Client Questionnaire

You will also need to bring with you:

       Last 2 years of Tax Returns

• Last 3 months of Bank Statements
• Last 6 months of Pay Stubs/Verification

Copies of Certificates of Title to All Vehicles

• 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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If you are thinking about filing for bankruptcy, please call the Law Offices Of Chirnese L. Liverpool at (818) 714-2200 for a FREE consultation.

IF YOU:

• Are paying only the minimum amount due on your credit cards;
• Can’t budget yourself out of debt within five years;
• Are getting notices that your mortgage or home loans are being foreclosed;
• Have had a severe financial setback, such as losing your job;

THEN YOU MIGHT WANT TO CONSIDER BANKRUPTCY. IN OUR CONSULTATIONS, WE EVALUATE YOUR ENTIRE FINANCIAL PICTURE TO HELP YOU DETERMINE IF THERE ARE ANY OTHER ALTERNATIVES.

Defining Debts

Secured debt is a debt on which a creditor has a lien. The creditor can institute a foreclosure or repossession to take the property identified by the lien to satisfy the debt if you default.

Whereas, an unsecured debt is not tied to any item of property. A creditor has no right to grab property to satisfy the debt if you default. The creditor must sue you and obtain a judgment by the court.

A purchase money debt is a debt on which the creditor keeps a security interest in the property given to the debtor so that the debtor may acquire rights in or use the collateral.

What is Bankruptcy and How Does It Work?

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy allows the Court to eliminate debts that you have no ability to pay. It applies when the monthly payment on all personal overhead such as rent, utilities, and groceries exceeds your take-home income. The debtor’s assets are liquidated and the proceeds are distributed to creditors. An individual’s home, care, and many other property items can be kept by the individual pursuant to the law.

Chapter 13 Bankruptcy

Chapter 13 provides a reorganization of your debt allowing you to pay off all or part of your debts over time. It applies when your income exceeds your monthly personal overhead to some extent such that you are able to repay some portion of the debt back. This forces creditors to negotiate with you subject to a bankruptcy trustee’s approval.

Please fill out the following questionnaire before your scheduled appointment:

DOWNLOAD: Client Questionnaire

You will also need to bring with you:

• Last 2 years of Tax Returns
• Last 3 months of Bank Statements
• Last 6 months of Pay Stubs/Verification

• Copies of Certificates of Title to All Vehicles 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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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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