Filing chapter 7 bankruptcy in Sonoma County is the beginning of a fresh start. As soon as our bankruptcy attorney files your petition creditors cannot make collection calls, send letters or otherwise continue with collection efforts. Once you receive a discharge order you will have no legal obligation to repay discharged debts and associated creditors are likewise prohibited from making collection demands. To receive your fresh start through chapter 7 bankruptcy call a Sonoma County bankruptcy attorney at (707) 200-6688 for a free consultation.
Stop Creditor Harassment
Some creditors can be relentless with their collection demands. Fortunately, phone calls, threatening letters and lawsuits can all be stopped by filing chapter 7 bankruptcy. Federal Law requires collection efforts to cease once a bankruptcy petition is filed with the court. This prohibition against continued collection efforts is known as the automatic stay in consumer bankruptcy law, named because collection efforts are automatically stayed upon filing the bankruptcy petition. In short, if you need to stop creditor harassment chapter 7 bankruptcy is the answer.
Chapter 7 bankruptcy is the most popular form of bankruptcy in California. In chapter 7 bankruptcy many forms of unsecured debt can be eliminated. For instance, credit cards, medical bills, payday loans, and personal loans can all be erased in chapter 7 bankruptcy. Furthermore, debt from past repossessions or foreclosures can also be eliminated. If you have significant unsecured debt, chapter 7 bankruptcy can be the most cost-effective solution.
Chapter 7 bankruptcy is usually the most affordable form of bankruptcy. Whereas chapter 13 bankruptcy involves a 3 to 5 year repayment plan, chapter 7 bankruptcy only requires payment at the time of filing. Likewise, many bankruptcy attorneys in Sonoma County charge between $4,000 to $6,000 to represent clients in chapter 13 bankruptcy, but only $2,000 to $3,000 for chapter 7 bankruptcy. Accordingly, chapter 7 bankruptcy can be the most cost-effective form of debt relief.
To file chapter 7 bankruptcy call our attorney at (707) 583-9688.