5137 Golden Foothill Parkway, Ste. 110
El Dorado Hills, CA 95762
(916) 789-9810
drmorris@morrislawgrp.com

8880 Cal Center Dr., Ste 400
Sacramento, CA 95826
(916) 789-9810
drmorris@morrislawgrp.com

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Chapter 7 Bankruptcy Attorney

Discharge Your Debts and Get a Fresh Start with an Experienced Bankruptcy Lawyer

• Are you facing an imminent foreclosure on your home?
  
  
• Are creditors harassing you with phone calls and letters?
  
  
• Would you like to rebuild your life and have a fresh start?
  
  

Help may be just a phone call away. Our bankruptcy attorneys have years of experience helping people take care of their debt problems. To find out if you qualify for Chapter 7 bankruptcy, please call us today or fill out this simple contact form to speak with an experienced bankruptcy lawyer for a no cost consultation.

Call Us Today at (916) 789-9810

Get Debt Relief with an Experienced Chapter 7 Bankruptcy Attorney

Chapter 7 bankruptcy is designed for debtors who are having financial difficulties and are not able to re-pay their debts. Most people that have debt problems can find relief by filing a Chapter 7 bankruptcy. A Chapter 7 bankruptcy results in the "discharge" of your debts.

Once a discharge has been granted, you do not owe the debt and the creditor can never try to collect it from you. Working with an experienced bankruptcy lawyer to help you navigate this process will help ensure a favorable outcome for you in this complicated process.

Work with an Experienced Bankruptcy Lawyer to Guide you Through the Process

New bankruptcy laws require careful consideration and analysis of your financial situation to avoid the possible dismissal of a Chapter 7 bankruptcy case. An attorney from Morris Law Group can help you through this process. Your lawyer can work with you to determine if your current monthly income is above the state median income, and whether you will be required to perform a means test to determine if you are eligible for this type of bankruptcy relief.

If you do not meet the requirements of the means test then you may be precluded from filing a Chapter 7 bankruptcy but still have the option of filing for a Chapter 13 bankruptcy. At Morris Law Group, your attorney will be experienced in both Chapter 7 and Chapter 13 bankruptcy laws, and will advise you on the best path considering your unique circumstances. When Chapter 7 is your best option, we work hard to ensure that you will qualify and obtain the relief you deserve.

Understanding the Chapter 7 Bankruptcy Law

Under Chapter 7 bankruptcy laws, an individual that files bankruptcy does NOT lose all of his or her property and possessions. In most cases, you will be able to keep your house, your car and all of your personal possessions. Your bankruptcy lawyer can educate you on the specifics and answer all your questions.

People with substantial non-exempt assets may have to turn over some of their property to the Trustee. A Trustee takes possession of any non-exempt property and pays creditors by liquidating those non-exempt assets. But most people have no or little non-exempt assets. We will help you claim the correct property exemptions under State or Federal law that will help protect your assets and we will advise you if we see issues with assets that cannot be protected.

The Importance of Working with an Experienced Chapter 7 Bankruptcy Lawyer

Although the purpose of filing a Chapter 7 is to obtain a discharge of your existing debts, if you are found to have committed certain kinds of improper conduct described in the Bankruptcy Code, your discharge may be denied by the Court, and the purpose for which you filed the bankruptcy petition will be defeated. This is another reason why working with an experienced Chapter 7 bankruptcy attorney is so important.

In addition, there are some debts that are not discharged under the bankruptcy law. Therefore, you may still be responsible for such debts as certain taxes and student loans, alimony and support payments, criminal restitution, and debts for death or personal injury caused by driving while intoxicated with alcohol or drugs. Your lawyer at Morris Law Group can advise you on the specifics and work with you to develop a plan to meet your needs.

Experienced Chapter 7 Bankruptcy Attorneys Are Ready to Assist You

Having an experienced and knowledgeable attorney is especially important when these difficult issues arise, and to help in avoiding them when possible. We are here to advise you about your particular situation and to guide you through the process of Chapter 7.

To get a fresh start and to find out if you meet the new standards for filing a Chapter 7 bankruptcy, our experienced bankruptcy department can help. Contact us by calling us at (916) 789-9810 or by filling out our contact form with a free and confidential debt analysis.

Morris Law Group serves people overwhelmed by debt in Sacramento, Placer, El Dorado, and Yolo Counties, including the communities of Sacramento, El Dorado Hills, Folsom, Granite Bay, Roseville, Cameron Park, Shingle Springs, Rescue, Rancho Cordova, Placerville, Orangevale, Fair Oaks, Carmichael, Citrus Heights, West Sacramento, Davis, Rancho Cordova, Elk Grove, Antelope, Rio Linda, McClellan, Elverta, North Highlands, Woodland, Loomis, Penryn, Newcastle, Auburn, Rio Linda, Rancho Murieta, & Sloughhouse.

Chapter 7 Bankruptcy Lawyer | Chapter 13 Bankruptcy Attorney