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PETER RASLA & ASSOCIATES, P.L.C. Proudly Serving Santa Ana and Surrounding Areas

Bankruptcy Attorney in Santa Ana

Too much debt?

When you have too many bills, life can be a daily struggle and extremely stressful. Bankruptcy may be one of your best options when it comes to eliminating your debts, especially if you are experiencing creditor harassment or are facing wage garnishment, repossession or foreclosure. A Santa Ana bankruptcy lawyer at Peter Rasla & Associates, P.L.C. can review your finances and explain bankruptcy benefits as well as alternatives to bankruptcy. You can find out if this is the best way to approach your situation so that you can make an informed decision regarding your financial future. The firm has many years of experience representing clients in bankruptcy cases, and can provide you with skilled and trusted legal counsel.

Most people that file for bankruptcy will file under Chapter 7 or Chapter 13 of the U.S. Bankruptcy Code. In a Chapter 7, you will be able to discharge your unsecured debt, such as credit card debt and medical bills. A Chapter 13 bankruptcy will allow for the reorganization of your finances and restructuring of your creditor payment plans. Qualifying for bankruptcy will require taking the means test, which establishes whether or not you have disposable income.

The firm can administer the test, and provide you with information on bankruptcy exemptions and the bankruptcy timeline. People that choose bankruptcy protection are surprised to find out that they will be able to keep many of their assets. The firm can also discuss bankruptcy myths and life after bankruptcy, including how to rebuild your credit.

Why You Need Peter Rasla & Associates, P.L.C.

The bankruptcy process includes taking a creditor counseling class before your petition is filed and a financial management class after your case has been heard in bankruptcy court. These classes are conducted by phone or online. You must complete the class before your bankruptcy petition can be submitted to the court. If you are filing for Chapter 7, a bankruptcy trustee will be appointed to your case. Once your repayment plan has been worked out, a hearing will be held with your creditors.

The firm can answer any questions you have regarding the bankruptcy process and how filing a petition will change your current situation. They also provide foreclosure defense, to help prevent the loss of your home.

Contact a Santa Ana bankruptcy attorney for knowledgeable legal advice and skilled representation if you have too many debts.

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