{"id":3306,"date":"2021-06-23T05:56:57","date_gmt":"2021-06-23T12:56:57","guid":{"rendered":"https:\/\/provencherandflatt.com\/?p=3306"},"modified":"2023-09-21T02:03:11","modified_gmt":"2023-09-21T09:03:11","slug":"chapter-7-help-you-get-a-fresh-start","status":"publish","type":"post","link":"https:\/\/provencherandflatt.com\/chapter-7-help-you-get-a-fresh-start\/","title":{"rendered":"California Bankruptcy &#8211; How Chapter 7 Can Help You Get A Fresh Start"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">If you are considering filing bankruptcy, the bankruptcy code provides two options.\u00a0 Chapter 7 and Chapter 13 both address filing for personal bankruptcy. Chapter 7, otherwise known as a liquidation bankruptcy allows the bankruptcy court to liquidate your assets to pay back your creditors.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Going through the Chapter 7 bankruptcy process allows you to achieve debt relief by wiping out almost all of your debts as soon as your bankruptcy trustee sells some of your personal property and uses the proceeds to pay off one creditor after another. In this article,\u00a0 we will discuss how a Chapter 7 bankruptcy filing helps an individual obtain debt relief. Talk to a <\/span><a href=\"https:\/\/provencherandflatt.com\/\"><span style=\"font-weight: 400;\">Santa Rosa bankruptcy lawyer <\/span><\/a><span style=\"font-weight: 400;\">to guide you in this important financial decision.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Benefits_of_Filing_Bankruptcy_Chapter_7\"><\/span><span style=\"font-weight: 400;\">Benefits of Filing Bankruptcy Chapter 7<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-66316591c5980\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-66316591c5980\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/provencherandflatt.com\/chapter-7-help-you-get-a-fresh-start\/#Benefits_of_Filing_Bankruptcy_Chapter_7\" title=\"Benefits of Filing Bankruptcy Chapter 7\">Benefits of Filing Bankruptcy Chapter 7<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/provencherandflatt.com\/chapter-7-help-you-get-a-fresh-start\/#Bankruptcy_protects_you\" title=\"Bankruptcy protects you\">Bankruptcy protects you<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/provencherandflatt.com\/chapter-7-help-you-get-a-fresh-start\/#Bankruptcy_allows_you_to_negotiate\" title=\"Bankruptcy allows you to negotiate\">Bankruptcy allows you to negotiate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/provencherandflatt.com\/chapter-7-help-you-get-a-fresh-start\/#Bankruptcy_Helps_Obtain_Debt_Relief\" title=\"Bankruptcy Helps Obtain Debt Relief\u00a0\">Bankruptcy Helps Obtain Debt Relief\u00a0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/provencherandflatt.com\/chapter-7-help-you-get-a-fresh-start\/#Can_a_Bankruptcy_Lawyer_Help_You\" title=\"Can a Bankruptcy Lawyer Help You?\">Can a Bankruptcy Lawyer Help You?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/provencherandflatt.com\/chapter-7-help-you-get-a-fresh-start\/#Considering_a_Chapter_7_Bankruptcy_filing_Contact_a_Santa_Rosa_CA_Bankruptcy_Attorney_Today\" title=\"Considering a Chapter 7 Bankruptcy filing? Contact a Santa Rosa, CA Bankruptcy Attorney Today!\">Considering a Chapter 7 Bankruptcy filing? Contact a Santa Rosa, CA Bankruptcy Attorney Today!<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><span style=\"font-weight: 400;\">Below are reasons why declaring bankruptcy under Chapter 7 are beneficial:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Bankruptcy_protects_you\"><\/span><span style=\"font-weight: 400;\">Bankruptcy protects you<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-3307 \" title=\"California Bankruptcy Lawyer\" src=\"https:\/\/provencherandflatt.com\/wp-content\/uploads\/2021\/07\/California-Bankruptcy-Lawyer-300x300.jpg\" alt=\"California Bankruptcy Lawyer\" width=\"276\" height=\"276\" srcset=\"https:\/\/provencherandflatt.com\/wp-content\/uploads\/2021\/07\/California-Bankruptcy-Lawyer-300x300.jpg 300w, https:\/\/provencherandflatt.com\/wp-content\/uploads\/2021\/07\/California-Bankruptcy-Lawyer-150x150.jpg 150w, https:\/\/provencherandflatt.com\/wp-content\/uploads\/2021\/07\/California-Bankruptcy-Lawyer-80x80.jpg 80w, https:\/\/provencherandflatt.com\/wp-content\/uploads\/2021\/07\/California-Bankruptcy-Lawyer-75x75.jpg 75w, https:\/\/provencherandflatt.com\/wp-content\/uploads\/2021\/07\/California-Bankruptcy-Lawyer-60x60.jpg 60w, https:\/\/provencherandflatt.com\/wp-content\/uploads\/2021\/07\/California-Bankruptcy-Lawyer.jpg 626w\" sizes=\"(max-width: 276px) 100vw, 276px\" \/> An automatic stay is an injunction triggered by certain bankruptcy filings. Once it is in effect, debtors are protected from being hounded by creditors and other collection agencies. All attempts to collect the debt, from phone calls and letters to wage garnishment and mortgage liens, must be stopped. With the protection it offers, a debtor can get some rest from persistent debt collection efforts as well as a chance to think more clearly so he or she can work out her financial problems and plan for a better financial future.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Bankruptcy_allows_you_to_negotiate\"><\/span><span style=\"font-weight: 400;\">Bankruptcy allows you to negotiate<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When bankruptcy has been declared, you may find that your debt collector goes easy on you. Creditors are more willing to negotiate and strike a deal in the face of an impending bankruptcy discharge and the possibility of ending up with nothing. However, these negotiations can be tricky.\u00a0 As such, having an experienced bankruptcy attorney to handle it is a smart move.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Bankruptcy_Helps_Obtain_Debt_Relief\"><\/span><span style=\"font-weight: 400;\">Bankruptcy Helps Obtain Debt Relief\u00a0<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Bankruptcy proceedings are regulated by federal bankruptcy law. With <a href=\"https:\/\/provencherandflatt.com\/chapter-7-bankruptcy\/\">Chapter 7 bankruptcy<\/a> cases, unsecured debts are virtually eliminated. Unsecured debts are debts not backed by collateral. <\/span><span style=\"font-weight: 400;\">Credit card debts, utility bills, medical bills are the most common forms of unsecured debt.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Can_a_Bankruptcy_Lawyer_Help_You\"><\/span><span style=\"font-weight: 400;\">Can a Bankruptcy Lawyer Help You?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">You may DIY a bankruptcy filing and retaining a lawyer is not a requirement. However,\u00a0 bankruptcy filers often have much success with a competent bankruptcy attorney by their side. Your local bankruptcy lawyer can advise you on which bankruptcy chapter is applicable to your situation, guide you on your bankruptcy filing so that you will achieve a bankruptcy discharge and not a dismissal.\u00a0 A lawyer specializing in bankruptcy law can help a bankrupt client throughout the bankruptcy process. The following are just some of the reasons why getting the services of a bankruptcy lawyer in Santa Rosa is a wise move.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It will be easier for you to understand the different bankruptcy options and how the means test works. As such, you can have a grasp of how the bankruptcy petition could turn out for you and which assets you will part with.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Filling out the stack of bankruptcy forms, collecting the supporting documents will be effortless because your <a href=\"https:\/\/provencherandflatt.com\/bankruptcy\/\">reliable Santa Rosa bankruptcy lawyer<\/a> will be with you every step of the way as he or she guides you on how to file for bankruptcy properly.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your competent bankruptcy attorney will advise you on the different bankruptcy exemptions available to you so that you end up choosing which ones best suit your bankruptcy case.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can count on support and representation throughout your bankruptcy journey.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Considering_a_Chapter_7_Bankruptcy_filing_Contact_a_Santa_Rosa_CA_Bankruptcy_Attorney_Today\"><\/span><span style=\"font-weight: 400;\">Considering a Chapter 7 Bankruptcy filing? Contact a Santa Rosa, CA Bankruptcy Attorney Today!<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The bankruptcy procedure may be complicated for you to handle on your own. Consulting an expert is important for you to have the best outcome with your bankruptcy case. <\/span><a href=\"https:\/\/provencherandflatt.com\/contact\/\"><span style=\"font-weight: 400;\">Contact our Santa Rosa bankruptcy attorney<\/span><\/a><span style=\"font-weight: 400;\"> at the Embolden Law PC for a free consultation.\u00a0 <\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>If you are considering filing bankruptcy, the bankruptcy code provides two options.&nbsp; Chapter 7 and Chapter 13 both address filing for personal bankruptcy. Chapter 7, otherwise known as a liquidation bankruptcy allows the bankruptcy court to liquidate your assets to pay back your creditors.&nbsp; Going through the Chapter 7 bankruptcy process allows you to achieve [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3308,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40],"tags":[],"_links":{"self":[{"href":"https:\/\/provencherandflatt.com\/wp-json\/wp\/v2\/posts\/3306"}],"collection":[{"href":"https:\/\/provencherandflatt.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/provencherandflatt.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/provencherandflatt.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/provencherandflatt.com\/wp-json\/wp\/v2\/comments?post=3306"}],"version-history":[{"count":1,"href":"https:\/\/provencherandflatt.com\/wp-json\/wp\/v2\/posts\/3306\/revisions"}],"predecessor-version":[{"id":3721,"href":"https:\/\/provencherandflatt.com\/wp-json\/wp\/v2\/posts\/3306\/revisions\/3721"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/provencherandflatt.com\/wp-json\/wp\/v2\/media\/3308"}],"wp:attachment":[{"href":"https:\/\/provencherandflatt.com\/wp-json\/wp\/v2\/media?parent=3306"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/provencherandflatt.com\/wp-json\/wp\/v2\/categories?post=3306"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/provencherandflatt.com\/wp-json\/wp\/v2\/tags?post=3306"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}