Posted On: July 28, 2011

Key Information on Bankruptcy


Bankruptcy is an option that should only be used when all other avenues have been explored. If there is no way to get out of debt then it can possibly help. If you can no longer pay minimum payments and have defaulted on some bills, exploring bankruptcy might not be a bad idea. There are two main types for individuals that can be utilized.

Chapter 7 filing is used by persons who cannot pay off their debts. Unsecured debt is completely done away with. With your secured debts, such as credit cards, assets are sold or a payment plan is come up with. If this fails, these debts are eliminated as well.

A Chapter 13 filing is a little bit different. The court looks at what you earn and the bills you pay each month. Whatever is left over is used to pay off debt based on a period of time, usually three to five years. If you cannot pay all the debt in this time period, this debt is eliminated.

Bankruptcy will affect your credit, but it can also give you a fresh start. If you believe these options can help you out, contact an attorney today.

If you have a question regarding Foreclosure in California please contact us at and we can connect you with one of our experienced California Bankruptcy Attorneys . Bankruptcy Law Firm can assist you with all aspects of your bankruptcy case. If you have questions about filing a Chapter 7 bankruptcy, a Chapter 11 bankruptcy, a Chapter 13 bankruptcy, lien stripping , a cram down, stopping a foreclosure or wage garnishment, asset protection, discharging debt, etc. we can help! We have bankruptcy attorneys located throughout California and Oregon who can assist in all of these important areas. Please complete our free bankruptcy evaluation and we can quickly determine if you are a qualified candidate for bankruptcy.

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100% Money-Back Guarantee from Sagaria Law

If the courts do not accept your bankruptcy filing because of an error on our part, we will refund 100% of your money, including the filing fee!

At Sagaria Law, PC we want to guide you on the path to financial freedom and realize this is not an easy task for most. We respect your devotion to better your circumstances even with financial hardship and thus are willing to guarantee that if you retain us, we will do everything we can, legally and ethically, to help you become debt-free.

The Fine Print

The Sagaria law guarantee covers everything that a bankruptcy law firm produces in order to successfully complete a bankruptcy filing. We guarantee that it will be done in a manner that is accepted for filing with the bankruptcy clerk's office.

There may be reasons beyond our control that may cause a case to be dismissed. Therefore, the 100% Money-Back Guarantee does not guarantee;

  1. That you will receive a discharge.
  2. That you will receive a discharge of all debts or of any particular debt.
  3. That your case won't be dismissed for reasons not related to the paperwork being accepted for filing.
  4. That you, our client, will successfully complete all of your obligations including accurate disclosure of debts, completing your forms on time and attending your 341 meeting as scheduled.
  5. That you will not lose assets in chapter 7, or that creditors won't successfully argue for the repossession of collateral in chapter 13.
  6. That you will not encounter challenges of any kind to your bankruptcy case.

Take advantage of this offer. Get started now by completing your FREE online bankruptcy evaluation, accessible from our home page.

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