Chapter 7 Bankruptcy Attorney - Chapter 7 Debt Relief Information

David Casey, Attorney

365 Broadway, Suite 203

El Cajon, California

(619) 447-6780

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

The Law Office of David A. Casey provides personal service to clients who need debt relief using Chapter 7, with professional legal representation for Chapter 7 bankruptcy at reasonable rates. Filing for Bankruptcy is a major and important decision that will affect you financially. Attorney Casey is an experienced Family Law attorney which includes bankruptcy, divorce, support issues, living trusts and debt relief. My office will provide you with the time necessary to ensure that the bankruptcy process is done properly.

Attorney Casey's goal is to treat every client with respect as we would expect to be treated if there was a major change of events that affected our lives. If you are going through divorce that will affect your finances, then bankruptcy may be your only option. The purpose of bankruptcy is to seek relief from your financial hardship, stop foreclosures, and put a stop to unreasonable harassing creditors pursuant to the bankruptcy laws.

For Chapter 7 Bankruptcy fees please call my office.

In most Chapter 13 Bankruptcies you only have to pay the filing fees upfront. Attorney fees are set at the court presumed rate unless otherwise indicated. The attorney fees are paid out of the Chapter 13 plan. We are here to make this as easy as possible.

In the last year, bankruptcy filings have increased 30%. The primary reason for filing personal bankruptcy is an unforeseen financial down turn, loss of savings and unable to borrow funds at a reasonable rate. Many have over time had medical expenses, excessive credit card debt, loss of employment, death of a family member and divorce. It is NOT uncommon for individuals to have to file for a Chapter 7 or Chapter 13 after a contested divorce.

• Stop harassing calls from creditors.
• Eliminate credit card debt.
• Start fresh!

• Eliminate unsecured debts and more.

• Many debts due to divorce can be completely discharged.

See if you are qualified under Chapter 7. See Means Test for more information.

If you cannot pay your monthly obligations and having difficulty meeting your living expenses because of high unsecured debt, contact an experienced bankruptcy lawyer at (619) 447-6780. Call Attorney David A. Casey to discuss Chapter 7, personal bankruptcy. Let my law office help you get a fresh start.

My law office has helped hundreds of individuals with their legal problems. If you are one of many who has had a difficult divorce and need some financial relief, bankruptcy might be the fastest way to get you back into a positive financial position. In California, you get your bankruptcy started today. I have two decades of helping others like you. I have the legal experience you need. My office does not take a Chapter 7 retainer until it is determined that you qualify under the means test and your needs are reviewed.

Chapter 7 Bankruptcy

Under Chapter 7 personal bankruptcy, also called consumer bankruptcy, most unsecured debts (credit cards, charge cards, phone bills, medical bills, cable bill) are discharged completely. Most of the time the unsecured debts that have been awarded to you can be discharged in a Chapter 7 Bankruptcy even after divorce. Filing for bankruptcy also stops harassment. This also applies to leased vehicles or other obligations in which you no longer have the funds to keep paying due to the divorce.

Not having the unsecured debts after the discharge will free you to pay your mortgage, student loans, support payments on time and other secured payments on time in the future. For many, filing Chapter 7 bankruptcy after a contested divorce, will help rebuild your credit rating. If you qualify for Chapter 7, you may be able to keep your home, car, and most possessions.

Eligibility requirement for Individual Bankruptcy — To qualify for Chapter 7, your income from all sources, for the six months prior to filing must fall below the median California income. I will help evaluate your income and see first if you already meet the income test and next to see if you don't. I can tell you what you need to do to qualify for a Chapter 7 bankruptcy filing. NOTE: new credit card charges or cash advances after the first time you seek bankruptcy advice cannot be discharged, but in most cases the entire prior balance can be eliminated.
Exemptions — Attorney David A. Casey can counsel you on taking the federal vs. state bankruptcy exemptions for personal property and expenses that apply to Chapter 7. I will advise what exemptions are best for you so you can best decide based on my knowledge of the bankruptcy law. I want the the bankruptcy laws to work for you.

No-Obligation -| Free Consultation. Get your Free Bankruptcy Consultation today.

Under the federal law before we start you are required to sign release forms prior to commencing any work on your personal bankruptcy case. However, there will not be a fee for a consultation. A retainer is not required until I have reviewed your entire situation to see if you qualify for Chapter 7. If you don't qualify for Chapter 7, it does not mean Bankruptcy can not work for you. The alternative of Chapter 13 can also give you great results. Your case will be examined such as your assets, debts, expenditures, and exemptions in order to put you in the best legal and financial position after bankruptcy.

Contact David A. Casey today to discuss Chapter 7 bankruptcy. We promptly return all inquiries (phone or e-mail), I am here to help you now. Let my office help you to get a fresh start today.

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

(Note: This web site is for general information on bankruptcy - there is no inference that the Law Office of David Casey represents you in any way until a retainer and fee agreement is signed by you and attorney). Any documents drafted without coming into the law office or via the internet is considered in "Pro Per" and is solely based on your representation of of the information you provide. Attorney Casey has been practicing Family Law since 1989 and has assisted individuals, couples and businesses with their bankruptcy needs.

Consumer Bankruptcy Attorney, EL Cajon, California

Bankruptcy Attorney

David A. Casey- Attorney

Let the Bankruptcy Laws Work For You.

Stop Creditors! Call immediately!

Call For Debt Relief Today!

Over the past few years, bankruptcy filings in the United States have increased nearly thirty percent. Unfortunately, with the events of the down turn in the economy, there are more filings for relief every day. Despite changes to bankruptcy laws, bankruptcy still remains a useful tool for preserving assets while eliminating bad debts. Our Bankruptcy clients understand that just like trusts or other estate planning tools, bankruptcy is a legal right that is available to help you you. Bankruptcy may be the most powerful way to protect your family’s financial health and to STOP CREDITORS harassing you and your family. Too many lives and especially marriages are hurt due to unresolved financial matters. The Law Office of David A. Casey wants to help you and your family eliminate overwhelming financial stress and enable you to get the fresh start you need in order to flourish and to enjoy life again. Depending on your situation, a Chapter 7 or Chapter 13 bankruptcy filing may bring the relief you have been seeking.

Let the Bankruptcy laws work for you!

Stop Creditor's calls immediately through Bankruptcy!

Stop or Delay Foreclosures!

Chapter 13 and Chapter 7 Bankruptcy.

Need a fresh start after your divorce?

Bankruptcy can help relieve the stress of your financial problems after a divorce.

Call today for a Free Phone Consultation!

YOU ARE NOT ALONE IN FILING BANKRUPTCY AFTER A DIVORCE. Get a Fresh Start With Chapter 7 Bankruptcy.

More debtors had to file bankruptcy in the wake of unemployment, large medical bills and the overall problems with the economy.

►Consumer bankruptcy filings are on the rise. There were 266,767 bankruptcy filings in the second quarter of 2008 as compared to 236,891 filings in the first quarter of 2008. The 2009 the Bankruptcy rate will be much higher.

►It was estimated that in 2008 there were more than 1.1 million consumers who sought the protection of the Bankruptcy courts. Chapter 7 accounted for 64.37% percent. Chapter 7 and 13 will be even higher this year.

Consumer Bankruptcy Attorney, EL Cajon, California

Call Attorney, David A. Casey, Esq.

(619) 447-6780

Take The First Step to Getting

Your Debt Relief Started!

Call Today!

Common Questions and Answers About Bankruptcy - Click here

YOU MAY HAVE HEARD HORROR STORIES FROM CREDITORS if you file bankruptcy you will not be able to get credit or you will not be able to buy a home.

The credit card company or home lender must determine whether or not to lend to a person after filing bankruptcy. What the banks consider when determining your risk status is your current status. As for a home, the most important factor that they will consider is your current debt to income ratio, in other words, how much outstanding debt you have relative to your income coming in. If you are thinking about bankruptcy most likely you have a very high outstanding loans or high consumer accounts and probably would not qualify for a loan. They want to make sure your mortgage payment no greater than 30% of your gross monthly income. So let’s put this in perspective, right now, calculate how much income compared to your monthly debt payments.

After filing bankruptcy you have no outstanding debt and cannot file for another eight years. In fact, you look like a much better candidate for credit card companies after filing bankruptcy. You even have the money to pay the credit card amount each month without any interest charges.

Thinking about buying a home after Chapter 7 bankruptcy? Studies indicate that around 90% of individuals after filing bankruptcy receive solicitation from a lender actually indicating that they knew they had filed bankruptcy. So remember, credit is your ability to borrow money, and that may actually improve after filing bankruptcy. Certainly it will improve if you can put money aside to pay your bills, on time, after the bankruptcy and probably to put some money into a savings account. Bankruptcy is a right granted under the federal law to protect and to help people like you.