Vista Bankruptcy Lawyer

Are you considering filing for bankruptcy? The help of a dependable bankruptcy attorney can make the process much easier, as well as provide you with an in-depth examination of your financial situation and any other options that may be available to you. To work with a professional bankruptcy lawyer in Vista, turn to The Law Offices of Marc Duxbury. Our team of attorneys will be there to provide legal expertise when it comes to the question of whether you should file for bankruptcy, and we will answer all other questions and inquiries you may have.

Why Work With A Local Vista Bankruptcy Attorney From Our Firm?

Finding a bankruptcy lawyer that can take on your case with the utmost professionalism and legal knowledge may not always be the easiest thing. The Law Offices of Marc Duxbury is the law firm you can turn to for a Vista bankruptcy attorney that will have your back. Why do Vista residents trust in us? We have handled thousands of bankruptcy cases, from start to finish. Our cost-effective expertise has helped thousands of clients, and you can get the big firm experience at a boutique price. We are also a corporate bankruptcy law firm, helping all types of businesses with filing for bankruptcy.

When you work with a bankruptcy attorney in Vista from The Law Offices of Marc Duxbury, you are working with an attentive legal professional who will focus on your case and always go the extra mile. Take the first step into debt relief and contact our bankruptcy law firm.

Filing For Bankruptcy and Bankruptcy Chapters

Do you need help filing for bankruptcy? Are you looking into business bankruptcy but not sure where to start? Here are the basic steps in bankruptcy filing when you work with our Vista law firm.

Schedule A Consultation

You won’t get anywhere without first scheduling a consultation with a dependable law firm. You can sit down with a Vista bankruptcy lawyer from our team to go over all the ins and outs of your case.

Discuss Your Financial Situation With An Expert

During consultation, it is crucial to discuss your financial situation. What debts have you acquired, why has repayment been difficult, and will you be able to repay those debts within a certain time frame? Do you have a steady stream of income? If you have faced creditor harassment or are being threatened with collections lawsuits for failure of payment, you can get representation from a Vista bankruptcy attorney belonging to our dedicated firm.

Review All Your Financial Options

The next key step is to review your financial options with one of our attorneys. This may even mean exploring non-bankruptcy options, such as debt negotiation or a settlement. A professional bankruptcy legal expert will always make sure to review all options, being realistic and giving you possible outcomes and further professional opinions along the way.

Create a Debt Relief Plan

The final step in your consultation with a bankruptcy attorney from The Law Offices of Marc Duxbury is discussing a debt relief plan. If the best choice for your situation is to file for bankruptcy, then one of our professional attorneys will assist you. If you are dealing with a number of conflicts from debt, such as wage garnishment, repossession, liens, and creditor harassment, our attorneys can help fight these petitions and allow you to gain back the money needed for living expenses, while we formulate your debt relief plan. If you are looking for a divorce bankruptcy attorney because you and your soon-to-be ex spouse are looking into options for filing jointly, we also have you covered. Filing for bankruptcy before divorce can be less expensive than filing individually.

Chapters of Bankruptcy

If after going over your financial situation with one of our attorneys, you decide going bankrupt is the best course of action, it’s important to know about the types of bankruptcy available, also known as chapters of bankruptcy. Here are the more common types of bankruptcy for individuals and businesses:

Chapter 7 Bankruptcy

Chapter 7 bankruptcy consists of an appointed trustee liquidating all of the debtor’s nonexempt property (which you as a debtor can file to have exempt: i.e. houses, cars, life insurance, etc.) and sending the funds acquired to the creditors. This is considered a low cost bankruptcy. This is a recommended bankruptcy chapter because you don’t have to lose all your assets, and any charges after assets are liquidated may possibly be discharged.

Chapter 11 Bankruptcy

Chapter 11 business bankruptcy (also known as corporate bankruptcy) is filed by businesses (or individuals) who want to keep their business in operation. The person or business must compile a payment plan that is court-approved and supervised by a court-appointed trustee. This business bankruptcy chapter can allow for businesses to stay open while reducing assets and other finances. The Law Offices of Marc Duxbury is a corporate bankruptcy law firm that can help provide the guidance you need to file for this chapter of bankruptcy.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy allows debtors to repay a large portion of their debt within 3-5 years. While in this chapter, collectors of debts are not allowed to attempt full collection, which can give many individuals a break from creditor harassment and other attempted lawsuits. What sets chapter 13 apart from chapter 7 the most is that individuals in debt who want to qualify for chapter 13 bankruptcy must show proof of a reasonable income.

Contact Us Today

Filing for bankruptcy can be an intimidating process for many people, but not when you are working with a legal professional who will aid you and make the action of filing a lot easier. Contact The Law Offices of Marc Duxbury to be connected to a legal professional today. Take the initial step into possible debt relief by sitting down with one of our knowledgeable and reliable bankruptcy attorneys in Vista to discuss your financial situation and learn more about bankruptcy.