Irvine Bankruptcy Lawyer – Irvine Chapter 13 Attorney – Irvine Chapter 7 Lawyer
As Irvine bankruptcy lawyers we see quite a bit of bad information on the internet about Chapter 7, Chapter 13 and debt relief. We would like to discuss some of the most common questions and falsehoods we see on a daily basis.
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At The Law Office Of Harold D. Thompson Our Experienced Irvine Bankruptcy Lawyers Can File Your Chapter 7 Or Chapter 13 Debt Relief Plan. Call Our Office Today At 888.665.8330 Or Email Us For A Free Case Evaluation.
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Myth: Bankruptcy Will Not Stop An Irvine Foreclosure
One of the most powerful aspects of an Irvine bankruptcy filing is that it will immediately stop a foreclosure. Whether it be a Chapter 7 or Chapter 13 bankruptcy your lender will not be able to continue with the foreclosure proceedings. If it does, your lender may face penalties and fines from the bankruptcy court. Your experienced Irvine bankruptcy lawyer will tell you what bankruptcy chapters are right for you.
Myth: I Will Never Get Credit After An Irvine Bankruptcy
This is a very common myth we see from clients. In fact, you will most likely have MORE offers of credit. We understand that the terms might not be as favorable as before but if you are making your payments on time and keeping your balances low, it won’t really matter. Credit cards companies will think you are a BETTER credit risk because they know you won’t be able to file bankruptcy in Irvine again for 7 years.
Myth: If My Boss Finds Out About My Irvine Bankruptcy I Might Get Fired
If you file bankruptcy in Irvine you cannot be fired by your employer because Federal Law prohibits its. Generally your employer won’t even know that you filed for Chapter 7 or Chapter 13 bankruptcy.
Myth: I Cannot Afford To File Chapter 7 Or Chapter 13 In Irvine
Hiring an Irvine bankruptcy lawyer doesn’t have to break the bank. We understand that you are in financial distress and it is not our job to make it worse. Be very weary of law firms that are charging exorbitant fees. Generally these are big advertisers that are passing their huge advertising budgets on to you. Don’t fall for the trap. Depending on the complexity of your case our bankruptcy fees start at $800.00.
Myth: My Creditors Won’t Stop Harassing Me
After filing for an Irvine bankruptcy your creditors must stop harassing you. As soon as you file your Chapter 7 or Chapter 13 bankruptcy an order called the automatic stay comes into effect. The automatic stay prevents ALL your creditors from taking further collection action against you. It further prevents any form of harassment from your creditors.
Myth: I Am A Bad Person If I File Bankruptcy In Irvine
There is absolutely no reason to feel bad about filing bankruptcy in Irvine. Chapter 7 and Chapter 13 is your constitutional right. Further, it is actually one of the most responsible decisions you can make for you and your family. Sometimes life just takes a wrong turn but you can take the first step to regaining your financial freedom.
Myth: Everyone Will Know About My Irvine Bankruptcy
Unless people that you know like to go down to the bankruptcy court and search the files there will be very few people that will know about your Irvine bankruptcy. You, your lawyer, the bankruptcy trustee and the bankruptcy judge will know. Unless you decide to tell other people, those should be the only be that will be aware.
Myth: All Irvine Bankruptcy Lawyers Are The Same
You want to take into account a number of factors when choosing your Irvine bankruptcy lawyer because not all are the same. First, you want an experienced bankruptcy lawyer. Don’t trust you financial future to someone that doesn’t have the experience to handle your case. Second, look at the price. Don’t trust big advertisers that are passing the cost of that advertising off to you. Third, make sure that you are actually getting a lawyer. At the Law Office of Harold D. Thompson you will ALWAYS talk to a lawyer. You will never speak to a paralegal or secretary.
As Orange County foreclosure attorneys helping people with Chapter 7 & Chapter 13 debt relief we are proud to serve the following areas: Aliso Viejo, Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana Point, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, La Palma, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Forest, Los Alamitos, Mission Viejo, Newport Beach, Orange, Placentia, Rancho Santa Margarita, San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin, Villa Park, Westminster, Yorba Linda
If you need further information please visit our other websites at San Diego Bankruptcy Lawyers or San Diego Mold Lawyer Blog or Riverside Bankruptcy Lawyer.