Experience the Difference With a Skilled Debt Liquidation Attorney

When most people think of common bankruptcy, they are usually referring to "Chapter 7" or liquidation bankruptcy. Chapter 7 bankruptcy is a legal, efficient way to eliminate your unsecured debt and help you get the fresh start you need to take control of your finances. At the Law Offices of James V. Sansone, we offer experienced advocacy and counsel to protect clients throughout Sonoma County, Mendocino County and Lake County, California who are facing unmanageable debt.

Do I Qualify For Chapter 7 Bankruptcy?

Under new bankruptcy laws, all filers who make more than the California median income must qualify by taking the "means test" before Chapter 7 bankruptcy is possible. The means test will consider your income, assets and debts. In the event that you do not qualify for Chapter 7, you will most likely qualify for Chapter 13 bankruptcy, an option that allows you to reorganize debts.

A Chapter 7 bankruptcy allows you complete liquidation of your debts, except:

  • Spousal support
  • Child support
  • Debts accrued by fraud
  • Student loans (in most, but not all circumstances)
  • Criminal penalties

What Property Will I Lose During Bankruptcy?

Contrary to most people's fears, most clients can keep all their property, including their homes. If you have significant property and cannot pay your debts, we may be able to work out a negotiated settlement with a U.S. Trustee.

End Creditor Harassment And Get The Debt Relief You Need

When you are overwhelmed by mounting bills and debts, creditor harassment, and the feeling that there is no way out, remember that Chapter 7 bankruptcy is a legal way to get rid of unwanted debts. Through bankruptcy you can stop foreclosure, stop creditor harassment, and reduce or eliminate medical expenses, credit card bills, and other unsecured debts.

If you need immediate debt relief, we can help you by providing legal counsel and professional guidance. To contact our lawyer, call us at 707-623-1875 to schedule a consultation. We offer flexible scheduling arrangements and accept all major credit cards.

We are a debt relief agency. We help people file for bankruptcy relief under the United States Bankruptcy Code.