BANKRUPTCY SERVICES
The Law Offices of Richard Loa provide Chapter 7 and Chapter 13 bankruptcy services for individuals who are currently facing financial difficulties. An attorney can help you during these difficult times to remediate the debts that are overwhelming you and your family.
Evaluating Your Financial Situation:
With the current economy, there are many legitimate reasons why you and your family might be struggling to make ends meet. Whether a loss of employment, a serious injury, or other major life changes or circumstances, an attorney can help you avoid common pitfalls in the application process and can introduce you to alternatives to bankruptcy that you would not have known were available.
During your initial consultation, Mr. Loa will analyze your financial situation, and render advice in determining whether to file a petition in bankruptcy.
Call now for a consultation
Evaluating Your Financial Situation:
With the current economy, there are many legitimate reasons why you and your family might be struggling to make ends meet. Whether a loss of employment, a serious injury, or other major life changes or circumstances, an attorney can help you avoid common pitfalls in the application process and can introduce you to alternatives to bankruptcy that you would not have known were available.
During your initial consultation, Mr. Loa will analyze your financial situation, and render advice in determining whether to file a petition in bankruptcy.
Call now for a consultation
Filing for Bankruptcy:
Once you’ve retained the Attorney, you will be provided the following legal services:
• Preparation and filing of any petition, schedules, statement of affairs and plan which may be required;
• Representation of the debtor at the meeting of creditors and confirmation hearing, and any adjourned hearing thereof;
• Representation of the debtor in adversary proceedings and other contested bankruptcy matters;
• [Other provisions as needed].
Pre-and Post-Requirements of Debtor When Filing a Petition for Bankruptcy:
• Debtor will need to complete a pre-petition online credit counseling course before filing
• Debtor will need to complete a post-petition online counseling course after the bankruptcy petition is filed and within the time frame allowed by statute. Debtor acknowledges that the bankruptcy cannot be filed without the certificate of completion of the pre-bankruptcy credit counseling. Debtor understands that no discharge of debts will be issued if the post-bankruptcy credit counseling is not completed within the statutory time frame.
Both pre-petition and post-petition credit counseling courses can be found on the Abacus Credit Counseling website: www.abacuscc.org.
• Written authority to obtain Debtor’s credit report from a major credit reporting entity such as: Experian, Transunion, or Equifax.
Services Not Included:
Certain debts cannot be discharged in bankruptcy. Debtor is still liable to repay any debt not discharged in Debtors bankruptcy. The debts listed below are common examples of the types of debts that cannot be discharged in bankruptcy.
The list of non-dischargeable debts may be expanded by legislation or court decisions and Attorney has no control over the type of debts that may be or become non-dischargeable.
a. Certain types of taxes, custom duties, or debts to pay taxes or custom duties.
b. Student loans.
c. Debts owed for spousal or child support.
d. Debts owed to the spouse, former spouse, or child in a domestic relations proceeding.
e. Debts arising from a previous bankruptcy wherein discharge of that particular debt was waived.
f. Debts owed for money, property, services, extension-or-removal, or refinancing of credit, if obtained by false pretenses, or false representations, or actual fraud.
g. Consumer debts for luxury goods obtained within ninety (90) days of the date of filing of the bankruptcy petition.
h. Cash advances obtained within seventy (70) days of the date of the filing of the bankruptcy petition.
i. Debts owed for fraud or defalcation while acting in a fiduciary capacity, or embezzlement or larceny.
j. Debts owed for fines, penalties, or forfeitures payable to and for the benefit of governmental entity.
k. Debts owed for death or personal injury arising from the operation of a motor vehicle, boat, or aircraft while intoxicated by drugs or alcohol.