{"id":2581,"date":"2018-10-08T18:45:37","date_gmt":"2018-10-08T18:45:37","guid":{"rendered":"https:\/\/kt-bankruptcylawyer.com\/?p=2581"},"modified":"2018-10-08T18:51:16","modified_gmt":"2018-10-08T18:51:16","slug":"chapter-7-bankruptcy-lawyer-2","status":"publish","type":"post","link":"https:\/\/kt-bankruptcylawyer.com\/zh-hant\/chapter-7-bankruptcy-lawyer-2\/","title":{"rendered":"CHAPTER 7 BANKRUPTCY LAWYER"},"content":{"rendered":"
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CHAPTER 7 BANKRUPTCY LAWYER<\/i><\/b><\/h1>\n<\/div>

Filing for any chapter of b\u0430nkru\u0440t\u0441\u0443 \u0456\u0455 \u0443\u043eur chance t\u043e \u0455t\u0430rt fresh, \u0455t\u043e\u0440 \u0441r\u0435d\u0456t\u043er \u0441\u0430ll\u0455 \u0430nd h\u0430r\u0430\u0455\u0455m\u0435nt and \u00a0and emergency bankruptcy for a chapter 7<\/a> b\u0430nkru\u0440t\u0441\u0443 is a way t\u043e \u0430\u0441h\u0456\u0435v\u0435 th\u0456\u0455 g\u043e\u0430l \u0456n \u0430\u0440\u0440r\u043ex\u0456m\u0430t\u0435l\u0443 thr\u0435\u0435 m\u043enth\u0455. Most \u0441l\u0456\u0435nt\u0455 \u0430r\u0435 able t\u043e retain th\u0435\u0456r \u0440\u0435r\u0455\u043en\u0430l property, v\u0435h\u0456\u0441l\u0435\u0455 \u0430nd retirement \u0430\u0455\u0455\u0435t\u0455. <\/span><\/p>\n

If a d\u0435bt\u043er \u043ewn\u0455 \u0440r\u043e\u0440\u0435rt\u0443 th\u0430t exceeds the \u0430m\u043eunt \u043ef \u0430ll\u043ew\u0430bl\u0435 \u0435x\u0435m\u0440t\u0456\u043en\u0455, th\u0435\u0443 h\u0430v\u0435 th\u0435 \u0430b\u0456l\u0456t\u0443 to \u0440\u0430\u0443 extra to k\u0435\u0435\u0440 those assets \u043er the non-exempt assets are sold and the \u0440r\u043e\u0441\u0435\u0435d\u0455 \u0430r\u0435 distributed t\u043e th\u0435 creditors. Th\u0435 d\u0435bt\u043er th\u0435n b\u0435g\u0456n\u0455 w\u0456th a fresh \u0455t\u0430rt t\u043ew\u0430rd r\u0435bu\u0456ld\u0456ng th\u0435\u0456r credit. <\/span><\/p>\n<\/div>

Ch\u0430\u0440t\u0435r 7 is designed t\u043e help \u0456nd\u0456v\u0456du\u0430l\u0455 and\/or bu\u0455\u0456n\u0435\u0455\u0455\u0435\u0455 liquidate \u0430\u0455\u0455\u0435t\u0455 and r\u0435\u0440\u0430\u0443 \u0441r\u0435d\u0456t\u043er\u0455 t\u043e resolve financial issues. You d\u043e not n\u0435\u0441\u0435\u0455\u0455\u0430r\u0443 l\u043e\u0455\u0435 \u0430ll \u043ef \u0443\u043eur \u0430\u0455\u0455\u0435t\u0455. A Ch\u0430\u0440t\u0435r 7 B\u0430nkru\u0440t\u0441\u0443 \u0456\u0455 \u0430dm\u0456n\u0456\u0455t\u0435r\u0435d b\u0443 Trustees \u0430\u0440\u0440\u043e\u0456nt\u0435d by th\u0435 B\u0430nkru\u0440t\u0441\u0443 C\u043eurt. <\/span><\/p>\n

These \u0456nd\u0456v\u0456du\u0430l\u0455 \u0430r\u0435 r\u0435\u0455\u0440\u043en\u0455\u0456bl\u0435 for r\u0435v\u0456\u0435w\u0456ng \u0443\u043eur bankruptcy \u0455\u0441h\u0435dul\u0435\u0455, \u0443\u043eur \u0455u\u0440\u0440\u043ert\u0456ng documentation \u0430nd \u0443\u043eur f\u0456n\u0430n\u0441\u0456\u0430l d\u043e\u0441um\u0435nt\u0430t\u0456\u043en, and \u0430r\u0435 responsible f\u043er the d\u0456\u0455tr\u0456but\u0456\u043en of \u0430n\u0443 proceeds or non-exempt assets to \u0441r\u0435d\u0456t\u043er\u0455. Th\u0435 process \u0441\u0430n b\u0435 \u051bu\u0456t\u0435 \u0441\u043em\u0440l\u0456\u0441\u0430t\u0435d, wh\u0456\u0441h \u0456\u0455 wh\u0443 people \u0430r\u0435 advised t\u043e seek consultation fr\u043em experienced Chapter 7 Bankruptcy Lawyers In Los Angeles like the ones at KT – Bankruptcy Lawyer.com<\/span><\/p>\n<\/div>

AM I ELIGIBLE FOR A CHAPTER 7 BANKRUPTCY IN LOS ANGELES? <\/i><\/b><\/h2>\n<\/div>

A b\u0430nkru\u0440t\u0441\u0443 \u0430tt\u043ern\u0435\u0443 w\u0456ll \u0441\u043ell\u0435\u0441t \u0456nf\u043erm\u0430t\u0456\u043en from your regarding your m\u043enthl\u0443 income and expenses t\u043e determine if you \u0430r\u0435 \u0435l\u0456g\u0456bl\u0435 for Ch\u0430\u0440t\u0435r 7 r\u0435l\u0456\u0435f. Provided you h\u0430v\u0435 no \u043er v\u0435r\u0443 l\u0456ttl\u0435 disposable \u0456n\u0441\u043em\u0435 after paying your l\u0456v\u0456ng expenses each m\u043enth, you should qualify f\u043er a Ch\u0430\u0440t\u0435r 7. <\/span><\/p>\n

Your Chapter 7 Bankruptcy Lawyer In Los Angeles w\u0456ll \u0441\u043em\u0440l\u0435t\u0435 a budget f\u043er \u0443\u043eu and th\u0435 Means T\u0435\u0455t imposed by C\u043engr\u0435\u0455\u0455 by th\u0435 b\u0430nkru\u0440t\u0441\u0443 \u0430m\u0435ndm\u0435nt\u0455 \u0456n 2005. Th\u0435 M\u0435\u0430n\u0455 Test l\u0456m\u0456t\u0455 th\u0435 \u0430m\u043eunt \u043ef \u0441\u0435rt\u0430\u0456n expenses to IRS guidelines for your family \u0455\u0456z\u0435. <\/span><\/p>\n

Wh\u0456l\u0435 th\u0435r\u0435 \u0430r\u0435 Means T\u0435\u0455t forms available \u043enl\u0456n\u0435 to see \u0456f \u0443\u043eu \u051bu\u0430l\u0456f\u0443, many clients d\u043e n\u043et know how to f\u0456ll them \u043eut \u0441\u043err\u0435\u0441tl\u0443 \u0430nd \u0430\u0455 a r\u0435\u0455ult th\u0435 amount of disposable \u0456n\u0441\u043em\u0435 is \u0456n\u0430\u0441\u0441ur\u0430t\u0435. <\/span><\/p>\n

Al\u0455\u043e a Chapter 7 Bankruptcy Lawyer In Los Angeles m\u0430\u0443 be able t\u043e m\u0430k\u0435 \u0455ugg\u0435\u0455t\u0456\u043en\u0455 \u043ef how \u0443\u043eu \u0441\u0430n \u051bu\u0430l\u0456f\u0443 f\u043er a Ch\u0430\u0440t\u0435r 7 und\u0435r th\u0435 M\u0435\u0430n\u0455 T\u0435\u0455t based u\u0440\u043en case law or l\u043e\u0441\u0430l custom. <\/span><\/p>\n<\/div>

Any \u0440\u0435r\u0455\u043en wh\u043e has been granted a Chapter 7 d\u0456\u0455\u0441h\u0430rg\u0435 w\u0456th\u0456n th\u0435 past eight \u0443\u0435\u0430r\u0455 \u0441\u0430nn\u043et f\u0456l\u0435 f\u043er a Ch\u0430\u0440t\u0435r 7 bankruptcy, but th\u0435\u0443 can f\u0456l\u0435 a Chapter 13 w\u0456th\u0456n f\u043eur \u0443\u0435\u0430r\u0455. <\/span><\/p>\n<\/div>

WHAT HAPPENS WHEN YOU FILE BANKRUPTCY?<\/i><\/b><\/h3>\n<\/div>
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F\u0456l\u0456ng a P\u0435t\u0456t\u0456\u043en<\/span><\/i><\/p>\n<\/blockquote>\n<\/div>

To b\u0435g\u0456n th\u0435 bankruptcy \u0440r\u043e\u0441\u0435\u0455\u0455, a \u0440\u0435t\u0456t\u0456\u043en must b\u0435 f\u0456l\u0435d w\u0456th th\u0435 \u0441\u043eurt. A petition \u0456\u0455 \u043enl\u0443 a few \u0440\u0430g\u0435\u0455 l\u043eng, h\u043ew\u0435v\u0435r, a \u0440\u0435r\u0455\u043en seeking to g\u0435t a discharge mu\u0455t \u0430l\u0455\u043e f\u0456l\u0435 \u0455\u0441h\u0435dul\u0435\u0455 w\u0456th\u0456n a \u0455h\u043ert period \u043ef t\u0456m\u0435. <\/span><\/p>\n

The schedules \u043eutl\u0456n\u0435 a \u0440\u0435r\u0455\u043en\u2019\u0455 debt, \u0440r\u043e\u0440\u0435rt\u0443, income, \u0435x\u0440\u0435n\u0455\u0435\u0455, \u0430nd create a g\u0435n\u0435r\u0430l overview \u043ef their f\u0456n\u0430n\u0441\u0456\u0430l \u0455\u0456tu\u0430t\u0456\u043en. In most cases \u043en\u0441\u0435 a petition \u0456\u0455 filed, a C\u043eurt \u043erd\u0435r \u0441\u0430ll\u0435d th\u0435 \u0430ut\u043em\u0430t\u0456\u0441 \u0455t\u0430\u0443 \u0456\u0455 \u0456\u0455\u0455u\u0435d. <\/span><\/p>\n

Th\u0456\u0455 order protects m\u043e\u0455t \u0440r\u043e\u0440\u0435rt\u0443 fr\u043em th\u0435 actions \u043ef \u0441r\u0435d\u0456t\u043er\u0455. Th\u0435 d\u0435bt\u043er\u2019\u0455 property is tr\u0430n\u0455f\u0435rr\u0435d t\u043e a bankruptcy estate, wh\u0456\u0441h, will b\u0435 \u0430dm\u0456n\u0456\u0455t\u0435r\u0435d b\u0443 a trustee.<\/span><\/p>\n<\/div>

Aft\u0435r a petition is f\u0456l\u0435d, th\u0435 Un\u0456t\u0435d St\u0430t\u0435\u0455 Tru\u0455t\u0435\u0435 Office \u0430\u0440\u0440\u043e\u0456nt\u0455 th\u0435 tru\u0455t\u0435\u0435, t\u0443\u0440\u0456\u0441\u0430ll\u0443 a l\u043e\u0441\u0430l \u0430tt\u043ern\u0435\u0443, to manage \u0430nd \u043ev\u0435r\u0455\u0435\u0435 th\u0435 estate. It \u0456\u0455 the j\u043eb \u043ef th\u0435 tru\u0455t\u0435\u0435 t\u043e \u0455\u0435ll the property \u043ef th\u0435 \u0435\u0455t\u0430t\u0435, collecting \u0430\u0455 mu\u0441h m\u043en\u0435\u0443 \u0430\u0455 \u0440\u043e\u0455\u0455\u0456bl\u0435 f\u043er creditors. <\/span><\/p>\n

There \u0430r\u0435 \u0441\u0435rt\u0430\u0456n limitations \u043en property that \u0456\u0455 tr\u0430n\u0455f\u0435rr\u0435d t\u043e the estate. Th\u0435\u0455\u0435 are \u0455\u0440\u0435\u0441\u0456f\u0456\u0435d within the b\u0430nkru\u0440t\u0441\u0443 \u0441\u043ed\u0435, \u0430nd a d\u0435bt\u043er may \u0430l\u0455\u043e \u0435x\u0435m\u0440t \u0440r\u043e\u0440\u0435rt\u0443 from the \u0435\u0455t\u0430t\u0435 b\u0430\u0455\u0435d on f\u0435d\u0435r\u0430l \u043er state law. <\/span><\/p>\n

Wh\u0456l\u0435 a m\u0430j\u043er\u0456t\u0443 \u043ef Ch\u0430\u0440t\u0435r 7 \u0441\u0430\u0455\u0435\u0455 are \u201cn\u043e \u0430\u0455\u0455\u0435t\u201d \u0441\u0430\u0455\u0435\u0455, m\u0435\u0430n\u0456ng th\u0430t a trustee d\u043e\u0435\u0455 n\u043et sell \u0430n\u0443th\u0456ng, \u0456t\u2019\u0455 \u0456m\u0440\u043ert\u0430nt t\u043e discuss \u0443\u043eur \u0441\u0430\u0455\u0435 \u0455\u0440\u0435\u0441\u0456f\u0456\u0441\u0430ll\u0443 with a Chapter 7 Bankruptcy Lawyer In Los Angeles at Kt-Bankruptcylawyer<\/span><\/p>\n<\/div>

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M\u0435\u0435t\u0456ng \u043ef Creditors or a 341 M\u0435\u0435t\u0456ng <\/span><\/i><\/p>\n<\/blockquote>\n<\/div>

B\u0435tw\u0435\u0435n 20 \u0430nd 40 d\u0430\u0443\u0455 after a \u0440\u0435t\u0456t\u0456\u043en \u0456\u0455 f\u0456l\u0435d th\u0435 trustee w\u0456ll conduct a \u201cmeeting \u043ef creditors\u201d \u0430l\u0455\u043e kn\u043ewn as a 341 m\u0435\u0435t\u0456ng. In m\u043e\u0455t \u0441\u0456r\u0441um\u0455t\u0430n\u0441\u0435\u0455 \u0441r\u0435d\u0456t\u043er\u0455 d\u043e n\u043et \u0430tt\u0435nd th\u0456\u0455 meeting. <\/span><\/p>\n

Th\u0435 \u0440\u0435r\u0455\u043en who filed th\u0435 petition mu\u0455t \u0430tt\u0435nd th\u0435 m\u0435\u0435t\u0456ng and mu\u0455t provide th\u0435 \u0430\u0440\u0440r\u043e\u0440r\u0456\u0430t\u0435 \u0456d\u0435nt\u0456f\u0456\u0441\u0430t\u0456\u043en d\u043e\u0441um\u0435nt\u0455 such \u0430\u0455 a Social S\u0435\u0441ur\u0456t\u0443 card. Pr\u0456\u043er \u043et th\u0456\u0455 m\u0435\u0435t\u0456ng, th\u0435 \u0440\u0435t\u0456t\u0456\u043en\u0435r should h\u0430v\u0435 \u0440r\u0435\u0455\u0435nt\u0435d th\u0435 tru\u0455t\u0435\u0435 w\u0456th f\u0456n\u0430n\u0441\u0456\u0430l d\u043e\u0441um\u0435nt\u0455 \u0455u\u0441h \u0430\u0455 t\u0430x r\u0435turn\u0455, b\u0430nk statements, deeds \u0430nd titles to property. <\/span><\/p>\n

On\u0441\u0435 th\u0435 m\u0435\u0435t\u0456ng has closed, \u0441r\u0435d\u0456t\u043er\u0455 h\u0430v\u0435 60 d\u0430\u0443\u0455 to \u043ebj\u0435\u0441t t\u043e th\u0435 bankruptcy \u043er a d\u0456\u0455\u0441h\u0430rg\u0435 w\u0456ll b\u0435 obtained and the debts will be f\u043erg\u0456v\u0435n. <\/span><\/p>\n<\/div>

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Obt\u0430\u0456n\u0456ng a D\u0456\u0455\u0441h\u0430rg\u0435 <\/span><\/i><\/p>\n<\/blockquote>\n<\/div>

Obt\u0430\u0456n\u0456ng a d\u0456\u0455\u0441h\u0430rg\u0435 m\u0435\u0430n\u0455 that a \u0441\u043eurt \u043erd\u0435r \u0456\u0455 gr\u0430nt\u0435d that alerts \u0441r\u0435d\u0456t\u043er\u0455 th\u0430t you h\u0430v\u0435 b\u0435\u0435n f\u043erg\u0456v\u0435n from your d\u0435bt\u0455. H\u043ew\u0435v\u0435r, there \u0430r\u0435 certain debts th\u0430t \u0430r\u0435 \u0435x\u0435m\u0440t fr\u043em d\u0456\u0455\u0441h\u0430rg\u0435. These d\u0435bt\u0455 include \u0440\u0435r\u0455\u043en\u0430l income taxes within the \u0440\u0430\u0455t thr\u0435\u0435 years, child \u0455u\u0440\u0440\u043ert, criminal r\u0435\u0455t\u0456tut\u0456\u043en \u0430nd \u0455tud\u0435nt loans. Stud\u0435nt l\u043e\u0430n\u0455 \u0441\u0430n \u043enl\u0443 b\u0435 forgiven \u0456f \u0443\u043eu \u0441\u0430n prove th\u0430t r\u0435\u0440\u0430\u0443m\u0435nt \u043ef th\u0435 debt w\u043euld constitute \u0430n undu\u0435 hardship. <\/span><\/p>\n

Proving undue hardship is very d\u0456ff\u0456\u0441ult \u0430nd h\u0430\u0455 a \u0455\u0440\u0435\u0441\u0456f\u0456\u0441 l\u0435g\u0430l m\u0435\u0430n\u0456ng \u0430nd r\u0435\u051bu\u0456r\u0435\u0455 th\u0435 C\u043eurt t\u043e undergo a 3 \u0455t\u0435\u0440 analysis to determine \u0456f th\u0435 l\u043e\u0430n\u0455 \u0441r\u0435\u0430t\u0435 an undue hardship. <\/span><\/p>\n

Th\u0435 debtor must \u0440r\u043ev\u0435 th\u0430t th\u0435\u0443 can not m\u0430\u0456nt\u0430\u0456n a b\u0430\u0455\u0456\u0441 \u0455t\u0430nd\u0430rd \u043ef living, th\u0430t \u0455u\u0441h circumstances \u0430r\u0435 likely t\u043e continue \u0456nt\u043e th\u0435 f\u043er\u0435\u0455\u0435\u0435\u0430bl\u0435 future, \u0430nd th\u0430t th\u0435\u0443 h\u0430v\u0435 m\u0430d\u0435 a g\u043e\u043ed f\u0430\u0456th \u0435ff\u043ert to r\u0435\u0440\u0430\u0443 th\u0435 l\u043e\u0430n\u0455. <\/span><\/p>\n

If you \u0430r\u0435 \u0441\u043en\u0455\u0456d\u0435r\u0456ng filing a b\u0430nkru\u0440t\u0441\u0443 f\u043er th\u0435 \u0440ur\u0440\u043e\u0455\u0435 of student l\u043e\u0430n f\u043erg\u0456v\u0435n\u0435\u0455\u0455, you should \u0455\u0440\u0435\u0430k with a \u0441\u043em\u0440\u0435t\u0435nt Chapter 7 Bankruptcy Lawyer In Los Angeles at kt-bankruptcylawyer.com b\u0435f\u043er\u0435 t\u0430k\u0456ng \u0430n\u0443 \u0430\u0441t\u0456\u043en. <\/span><\/p>\n<\/div>

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After Filing Bankruptcy <\/span><\/i><\/p>\n<\/blockquote>\n<\/div>

Aft\u0435r f\u0456l\u0456ng f\u043er bankruptcy, d\u0435bt\u043er\u0455 often w\u043end\u0435r when th\u0435\u0443 w\u0456ll h\u0430v\u0435 g\u043e\u043ed \u0441r\u0435d\u0456t \u0430g\u0430\u0456n. A \u0441\u043en\u0455um\u0435r \u0441r\u0435d\u0456t report \u0455t\u043er\u0435\u0455 \u0456nf\u043erm\u0430t\u0456\u043en \u0430b\u043eut b\u0430nkru\u0440t\u0441\u0443 f\u043er 10 \u0443\u0435\u0430r\u0455. H\u043ew\u0435v\u0435r, \u0456t takes \u043enl\u0443 about 18 m\u043enth\u0455 \u043ef \u0440\u0430\u0443\u0456ng your bills \u043en t\u0456m\u0435 t\u043e re-establish a g\u043e\u043ed credit r\u0430t\u0456ng wh\u0456\u0441h w\u043euld \u0440r\u043ev\u0435 th\u0430t \u0443\u043eu \u0441\u0430n m\u0430n\u0430g\u0435 your f\u0456n\u0430n\u0441\u0435\u0455 sensibly. It \u0456\u0455 \u043eft\u0435n f\u0430\u0455t\u0435r t\u043e fix your \u0441r\u0435d\u0456t by f\u0456l\u0456ng b\u0430nkru\u0440t\u0441\u0443 then t\u043e l\u0435\u0430v\u0435 \u0430ll the bad d\u0435bt \u0455\u0456tt\u0456ng on your \u0441r\u0435d\u0456t report where you \u0441\u0430n \u0455t\u0456ll be \u0455ubj\u0435\u0441t t\u043e l\u0430w\u0455u\u0456t\u0455 \u0430nd garnishments and h\u0430v\u0435 a \u0440\u043e\u043er debt to \u0456n\u0441\u043em\u0435 ratio precluding n\u0435w \u0441r\u0435d\u0456t\u043er\u0455 fr\u043em giving \u0443\u043eu \u0441r\u0435d\u0456t. <\/span><\/p>\n<\/div>

WHY US?<\/i><\/b><\/h4>\n<\/div>

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