Experienced Chapter 7 Liquidation Bankruptcy Assistance

We provide the highest quality legal services to our clients in a timely and cost-effective manner. We pride ourselves on the significant amount of personal attention we give to each client. We represent individuals and small businesses throughout Southern California, including Los Angeles and Orange County.

In the current economic climate, so many individuals have fallen behind on their financial obligations, including credit card bills, mortgage payments and medical bills. Whether it's due to job loss, the inability to work due to an injury, or simply the result of poor financial decisions, Chapter 7 bankruptcy may be a viable option for ending the burden of overwhelming debt, stopping the harassment of creditors and providing you with the opportunity for a fresh start.

Representation Tailored to Your Specific Situation

At the Law Offices of John Rubenstein, we understand that deciding whether to file for bankruptcy is a serious decision. We make a point of meeting personally with each client to understand their financial situation and make recommendations for them with their best interest in mind. We welcome the opportunity to meet with you to discuss your financial options.

We understand that no two financial situations are alike, and we make ourselves available to our clients to be sure we fully understand their specific needs before offering experienced advice on debt relief options.

To schedule a free initial consultation to discuss your financial concerns and options with a lawyer, Contact our office online or call 888-603-7202.

Chapter 7 Bankruptcy Assistance

Chapter 7 is designed for debtors in financial difficulty who do not have the ability to pay their existing debts. Debtors whose debts are primarily consumer debts are subject to a "means test" designed to determine whether the case should be permitted to proceed under chapter 7. If your income is greater than the median income for your state of residence and family size, in some cases, creditors have the right to file a motion requesting that the court dismiss your case. It is up to the court to decide whether the case should be dismissed.

Under chapter 7, you may claim certain of your property as exempt under governing law. A trustee may have the right to take possession of and sell the remaining property that is not exempt and use the sale proceeds to pay your creditors.

The purpose of filing a chapter 7 case is to obtain a discharge of your existing debts. If, however, you are found to have committed certain kinds of improper conduct described in the Bankruptcy Code, the court may deny your discharge and, if it does, the purpose for which you filed the bankruptcy petition will be defeated.

Even if you receive a general discharge, some particular debts are not discharged under the law. Therefore, you may still be responsible for most taxes and student loans; debts incurred to pay nondischargeable taxes; domestic support and property settlement obligations; most fines, penalties, forfeitures, and criminal restitution obligations; certain debts which are not properly listed in your bankruptcy papers; and debts for death or personal injury caused by operating a motor vehicle, vessel, or aircraft while intoxicated from alcohol or drugs. Also, if a creditor can prove that a debt arose from fraud, breach of fiduciary duty, or theft, or from a willful and malicious injury, the bankruptcy court may determine that the debt is not discharged. 

Additional Information

For more information about Chapter 7 bankruptcy click here. 

Contact our office online or call 888-603-7202 to schedule a free initial consultation with an attorney to discuss your specific needs. Our Los Angeles office is conveniently located on Wilshire Boulevard and our Orange County office is conveniently located off highway 55 in Costa Mesa.