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Frequently asked Q&A is NOT legal advice.

  • What is bankruptcy, and how can it help me in California?
    Bankruptcy is a legal process that can provide relief from overwhelming debt. It can help you eliminate or restructure debt, stop creditor harassment, and regain control of your financial future in California.
  • What are the different types of bankruptcy in California?
    The two primary types for individuals are Chapter 7 (liquidation) and Chapter 13 (restructuring). Chapter 7 can discharge unsecured debt, while Chapter 13 creates a repayment plan.
  • Will filing for bankruptcy in California stop creditors from contacting me?
    Yes, once you file for bankruptcy, an automatic stay is issued, which prohibits creditors from contacting you, garnishing your wages, or pursuing legal actions against you.
  • Can I keep my assets, like my home or car, if I file for bankruptcy in California?
    In many cases, you can keep your home and car while filing for bankruptcy in California, depending on the value and equity in those assets.
  • Will bankruptcy affect my credit score in California?
    Yes, bankruptcy will impact your credit score, but it's often a step towards rebuilding your credit over time. Many clients see improved credit within a few years after filing.
  • How long does the bankruptcy process take in California?
    The timeline varies, but Chapter 7 typically takes around three to six months, while Chapter 13 repayment plans last three to five years.
  • What debts can be discharged in bankruptcy in California?
    Bankruptcy can discharge unsecured debts such as credit card debt, medical bills, and personal loans. Certain taxes, student loans, and child support payments are usually non-dischargeable.
  • Do I need an attorney for bankruptcy in California?
    It's highly recommended to work with an experienced bankruptcy attorney in California. They can ensure you navigate the process correctly, protecting your rights and assets.
  • Can I file for bankruptcy more than once in California?
    You can file for bankruptcy multiple times, but specific waiting periods apply between filings.
  • How can I get started with Ramos Law Firm for bankruptcy assistance in California?
    Contact us today for a free consultation. Our dedicated team of bankruptcy experts is here to guide you through the process, answer your questions, and help you regain your financial freedom.
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