Van Nuys Bankruptcy Lawyer
Chapter 7 & Chapter 13 Debt Relief
in the San Fernando Valley
Bankruptcy Help For
Van Nuys Residents
Financial challenges can happen to anyone. Bankruptcy may be an option if you are dealing with overwhelming debt, falling behind on payments, or facing collection actions. Attorney Chirnese L. Liverpool helps Van Nuys residents understand their options and determine whether Chapter 7 or Chapter 13 bankruptcy may be appropriate for their situation.
Credit Card & Personal Loan Debt
Struggling to keep up with unsecured debt.
Foreclosure & Mortgage Arrears
Behind on mortgage payments or facing foreclosure.
Wage Garnishments & Lawsuits
Facing collection actions, judgments, or wage garnishment.
Overwhelming Monthly Payments
When your monthly obligations no longer fit your income.
Chapter 7 and Chapter 13 Bankruptcy in Van Nuys
Chapter 7 Bankruptcy
A Fresh Start Through Debt Discharge
Chapter 7 may allow qualifying individuals to discharge many unsecured debts, including credit cards, medical bills, and personal loans.
✓ May eliminate many unsecured debts
✓ May stop certain collection actions after filing
✓ Exemptions may allow you to protect certain property
✓ Many Chapter 7 cases reach discharge within a few months
Chapter 13 Bankruptcy
A Court-Supervised Repayment Plan
Chapter 13 allows qualifying individuals with regular income to repay some or all debts through a court-approved plan, generally lasting three to five years.
✓ May help address mortgage arrears and foreclosure
✓ May allow you to keep property while repaying debt
✓ Repayment plans generally last 3–5 years
✓ May stop certain collection actions after filing
A Bankruptcy Lawyer With a Van Nuys Office
The Law Office of Chirnese L. Liverpool maintains a physical office at 6315 Van Nuys Blvd., Suite B-2, Van Nuys, CA 91401. For your convenience, however, the bankruptcy process is handled virtually, including consultations, document collection, petition preparation, and case communication.
VIRTUAL CONSULTATIONS
Meet with Attorney Liverpool by phone or Zoom.
VIRTUAL PROCESS
Upload documents and complete your case from home.
VAN NUYS OFFICE
6315 Van Nuys Blvd., Suite B-2 | Van Nuys, CA 91401
How the Bankruptcy Process Works
Complete the Bankruptcy Questionnaire
Tell us about your income, debts, assets, and expenses.
Review Your Options With Attorney Liverpool
Discuss Chapter 7, Chapter 13, and your available options.
Provide Your Documents
Upload the financial documents needed to prepare your case.
Prepare & Review Your Petition
We prepare your petition and you review it carefully before filing.
File Your Bankruptcy Case
Your bankruptcy petition is filed with the court.
Attend Your Bankruptcy Hearing
Attend your required 341 meeting and work toward discharge.
Why Van Nuys Clients Choose
The Law Office of Chirnese L. Liverpool
PRACTICING SINCE 2008
Experienced bankruptcy representation
PERSONAL ATTORNEY ATTENTION
Work directly with Attorney Liverpool
CHAPTER 7 & CHAPTER 13
Bankruptcy representation tailored to your situation
CONVENIENT VIRTUAL PROCESS
Handle your case from the comfort of home
VAN NUYS OFFICE
Local office serving the San Fernando Valley
89+ GOOGLE REVIEWS
Our clients love us
Van Nuys Bankruptcy FAQs
How do I know if I qualify for Chapter 7 bankruptcy?
Chapter 7 eligibility depends on several factors, including your income, household size, expenses, assets, and financial history. Many individuals qualify based on the bankruptcy means test, which compares household income to applicable income standards. Attorney Liverpool can review your financial circumstances and help determine whether Chapter 7 bankruptcy may be an appropriate option for you.
What is the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 bankruptcy generally allows qualifying individuals to discharge many unsecured debts, such as credit cards, medical bills, and personal loans. Chapter 13 bankruptcy uses a court-approved repayment plan that typically lasts three to five years and may help individuals catch up on mortgage payments, protect property, or reorganize other debts. The best option depends on your income, assets, debts, and financial goals.
Can bankruptcy stop a wage garnishment?
Filing bankruptcy generally triggers the automatic stay, which requires most creditors to stop collection activity, including many wage garnishments. However, some types of garnishments and debts may not be affected. Attorney Liverpool can review your situation and explain how filing Chapter 7 or Chapter 13 bankruptcy may affect an existing wage garnishment.
Can bankruptcy help me stop a foreclosure?
Filing bankruptcy generally triggers the automatic stay, which may temporarily stop or delay foreclosure proceedings. Chapter 13 bankruptcy may also allow eligible homeowners to catch up on past-due mortgage payments through a repayment plan. The options available depend on the timing of the foreclosure and your individual financial circumstances.
Can I keep my house or car if I file bankruptcy?
Many people who file bankruptcy are able to keep their home, vehicle, and other property. Whether property can be protected depends on factors such as its value, the amount owed, available bankruptcy exemptions, and the type of bankruptcy filed. Attorney Liverpool can review your assets before filing and explain how California bankruptcy exemptions may apply.
How much does it cost to file bankruptcy in Van Nuys?
Bankruptcy costs vary depending on the type and complexity of the case. In addition to attorney’s fees, there are court filing fees and required bankruptcy courses. After reviewing your situation, Attorney Liverpool can explain the anticipated costs for your case.
Where are Van Nuys bankruptcy cases filed?
Bankruptcy cases for Van Nuys residents are generally filed in the United States Bankruptcy Court for the Central District of California. The appropriate division depends on where you live.
Do I have to come into the office to file bankruptcy?
No. Although The Law Office of Chirnese L. Liverpool maintains a physical office in Van Nuys, the bankruptcy process is handled virtually. Consultations, document collection, petition preparation, and case communication can be completed remotely.
How long does a Chapter 7 bankruptcy take?
A typical Chapter 7 case may be completed in approximately four to six months from filing to discharge, although the timing can vary depending on the circumstances of the case.
Will I have to go to court?
Most Chapter 7 and Chapter 13 debtors attend a required meeting of creditors, commonly called the 341 meeting. Many bankruptcy cases do not require a traditional courtroom appearance, although additional hearings may be necessary depending on the case.
Ready for a Financial Fresh Start?
If debt is becoming impossible to manage, you do not have to guess about your options. Complete our bankruptcy questionnaire so Attorney Liverpool can review your financial situation and discuss whether Chapter 7, Chapter 13, or another option may be appropriate.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Bankruptcy Help in Van Nuys & the San Fernando Valley
The Law Office of Chirnese L. Liverpool serves bankruptcy clients in Van Nuys and throughout the San Fernando Valley, including Sherman Oaks, Encino, Reseda, North Hollywood, Panorama City, Lake Balboa, Northridge, and surrounding communities.
Our Van Nuys office is located at 6315 Van Nuys Blvd., Suite B-2. For your convenience, our bankruptcy process can be handled virtually from start to finish.
What Our Bankruptcy Clients Say
89+ Google reviews from clients who trusted us to help them navigate difficult financial situations.