Santa Ana Bankruptcy Attorney – Orange County Foreclosure Lawyer
The ultimate goal of any Santa Ana bankruptcy is a discharge of your debts. In different cases that can have different meanings but generally the discharge is when those debts included in your Chapter 7 or Chapter 13 filing are wiped out. Essentially the bankruptcy court steps in to eliminate your contractual obligations to your creditors and there is very little your creditors can do to stop it. But, you should consult with a Santa Ana bankruptcy attorney because there are some definite limits to your discharge.
As with seemingly everything in the bankruptcy code there are limits and your discharge is no exception.
First, your discharge does not deal will all of your debt. It can only eliminate those debts that were included in your Chapter 7 or Chapter 13 plan. Your plan cannot generally cannot include things like student loans, child support, spousal support or certain types of tax debt.
Second, even thought Santa Ana consumers may not have any personal liability for the discharged debt there is the chance that any pre-petition liens against your property may survive the discharge. Your Santa Ana bankruptcy attorney will have to make sure those liens are either modified or removed.
Third, you can’t just keep filing for Chapter 7 or Chapter 13 debt relief protection. The bankruptcy courts have to protect creditors somehow. So, it is very important that if your debts are discharged in a Chapter 7 you do not incur further debt because you will not be able to file for 8 years!
Fourth, not every individual in Santa Ana needs the discharge to wipe out debts. People consult a Santa Ana bankruptcy attorney because they want to stop a foreclosure or reorganize their debts or strip off a second mortgage, all through Chapter 13 debt relief.
Further, the bankruptcy discharge replaces the automatic stay preventing any of the creditors listed in your Santa Ana Chapter 7 or Chapter 13 from attempting to collect on those debts. Not only is the debt wiped out, but the creditor harassment and collection is done.
We at the Law Office of Harold D. Thompson are Orange County Bankruptcy Lawyers dedicated to helping you get out of financial distress with a comprehensive debt relief plan. If your debts are piling up and you are looking for a “fresh start” call a Santa Ana Bankruptcy Attorney that will fight for your financial freedom. Bankruptcy fees start as low as $800.00. Don’t be fooled by big advertisers charging thousands of dollars. Call us TODAY at 888.665.8330 or visit one of our other websites at San Diego Bankruptcy Lawyer or San Diego Bankruptcy Lawyer Blog or My San Diego Bankruptcy.
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