Experienced And Compassionate Bankruptcy Help
You may feel that bankruptcy is the end. And for many people it is the end of sleepless nights, harassing phone calls and constant worry.
At Gumm & Green, LLP, in Thousand Oaks we have helped hundreds of people end their mounting debt and start a new financial life. Our two attorneys have over 45 years combined legal experience helping people obtain financial relief through the bankruptcy code.
We offer an aggressive, skilled and experienced approach to bankruptcy law. This lets you get a fresh start as soon as possible. Find out how we can help you:
- We can help to end wage garnishment.
- Filing for bankruptcy will almost immediately halt lawsuits and judgments active against you.
- Foreclosure and repossession are also often stopped with a bankruptcy filing.
- If you are looking to eliminate your consumer debt
- End creditor harassment
We are dedicated to representing your needs in Thousand Oaks and throughout Southern California.
Will You Qualify for Chapter 7?
While the bankruptcy laws have changed over the years it may be somewhat difficult but not impossible to file for Chapter 7 bankruptcy , also called debt liquidation.
People within some economic groups may not qualify for Chapter 7, but the majority of those who apply should be able to obtain financial relief.
For clear answers about how bankruptcy laws affect you when facing a financial crisis, contact Gumm & Green, LLP , in Southern California. Call 818-707-4233 OR 855-707-4233. We have a successful history of helping our clients attain favorable outcomes.
The Means Test Determines Eligibility
The most common question we hear from clients is whether they are eligible for Chapter 7 or if they should file under Chapter 13 .
- Eligibility is determined through the means test. This test requires that you meet a median family income. It examines family size and scrutinizes your debt to income ratio — how much money you make in comparison to your expenses and debts.
The bankruptcy attorneys of Gumm & Green, LLP, will work with you. We will walk through the process step-by-step. We will go through all your expenses (food, clothing, household supplies, utilities, etc.) and help you complete the means test. We will assess the exemptions and liabilities that may make the difference in the type of bankruptcy you can apply for. We have a history of stalwart advocacy and successful verdicts for our clients.
Life After Bankruptcy
Rebuilding your credit after a bankruptcy filing is an important step in taking back control of your financial future. We will advise you on the various strategies for doing so, and help you develop a plan for a fresh start.
Get Help Now
Chapter 7, or liquidation bankruptcy, results in the discharge of most unsecured debt. If you do not qualify for Chapter 7, you can usually file for Chapter 13. Call us to discuss the components and ramifications of this type of bankruptcy and whether filing is in your best interest. Contact Gumm & Green, LLP , today and schedule a free consultation to discuss your finding debt relief through personal bankruptcy. Call 818-707-4233 OR 855-707-4233.