Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How bad is it to file bankruptcy twice?

<p dir="ltr" style="line-height:1.2;margin-top:9pt;margin-bottom:9pt;">Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.</p><p dir="ltr" style="line-height:1.2;margin-top:9pt;margin-bottom:9pt;">Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.</p>

Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

7 Best Rialto Bankruptcy Attorneys

Bankruptcy Professionals

3890 11th Street, Riverside, CA 92501

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Chapter 7 Bankruptcy
Chapter 13 Bankruptcy

Bankruptcy Professionals is a bankruptcy law firm servicing Rialto and the surrounding communities. The bankruptcy lawyers of the firm help clients file for insolvency and meet financial goals that fit their current situation. They help clients liquidate their assets to satisfy the conditions of chapter 7 bankruptcy if the client qualifies. The firm also aids clients who do not qualify for chapter 7 to file for chapter 13 bankruptcy and reorganize their finances to pay for existing debt.

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Dolen, Tucker, Tierney & Abraham

1710 Plum Ln Suite A, Redlands, CA 92374

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Chapter 7 Bankruptcy
Chapter 13 Bankruptcy

Dolen, Tucker, Tierney, & Abraham, A Professional Law Corporation, is a civil litigation law firm serving the residents of Rialto. One of the firm's primary areas of practice is bankruptcy, and it helps businesses and individuals file for Chapters 7 and 13 bankruptcy. The team performs the means test, works to dismiss some of the client's debts, and helps them reorganize their loans. Additional practice areas include personal injury law and estate planning.

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Hedtke Law Group

8350 Archibald Ave #200, Rancho Cucamonga, CA 91730

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Chapter 7 Bankruptcy
Chapter 13 Bankruptcy

Hedtke Law Group is a bankruptcy law firm serving the residents of Rialto and the nearby areas. The firm has two additional locations in the state, and its team helps individuals who are overwhelmed by their debts file for Chapters 7 and 13 bankruptcy. The team also offers legal counsel to creditors who are looking to collect on their investments. Additionally, the firm takes cases involving estate planning and administration.

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Lloyd Legal

255 North D Street, San Bernardino, CA 92401

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Chapter 7 Bankruptcy
Chapter 13 Bankruptcy

Lloyd Legal is a bankruptcy law firm serving the people of Rialto and the surrounding communities. The firm offers legal advice to those who are filing for Chapters 7 and 13 bankruptcy. Its team helps clients get eligible loans dismissed, such as medical bills. It also works with the client to liquidate their assets and create a payment plan for their remaining loans. The team aims to protect clients from creditor harassment, foreclosures, and wage garnishments.

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The Attorney Group

225 West Hospitality Lane, San Bernardino, CA 92408

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Chapter 7 Bankruptcy
Chapter 13 Bankruptcy

The Attorney Group is a bankruptcy law firm in Rialto that has dozens of additional locations throughout the state. The firm's attorneys have experience working with clients who are filing for Chapters 7 and 13 bankruptcy. They help the client make their loans more manageable through liquidated assets and payment plans. The attorneys also handle business bankruptcy services. Founding attorney Daniel King has been practicing law for over 20 years.

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The Law Offices of Edgar P. Lombera

1916 Orange Tree Lane, Redlands, CA 92374

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Chapter 7 Bankruptcy
Chapter 13 Bankruptcy

The Law Offices of Edgar P. Lombera is a bankruptcy law firm working with the people of Rialto and Palm Springs. Founding attorney Edgar Lombera has been practicing law for over a decade, and he guides his clients through each stage of the bankruptcy process. He helps the client file, performs the means test, works to dismiss applicable loans, and creates a payment plan. Lombera is a member of the National Association of Consumer Bankruptcy Attorneys.

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The Turoci Bankruptcy Firm

3845 Tenth Street, Riverside, CA 92501

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Chapter 7 Bankruptcy
Chapter 13 Bankruptcy

The Turoci Bankruptcy Firm employs a team of professional bankruptcy attorneys near Rialto with decades of experience handling debt-related matters. Its attorneys decide which type of bankruptcy is best for clients based on their current financial situation. The firm helps individuals get medical bills, personal loans, credit card debts, and other debts discharged as soon as possible. Plus, The Turoci Bankruptcy Firm offers alternatives to filing for bankruptcy that includes credit counseling, financial assistance programs, and debt refinancing services.

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Best Bankruptcy Attorneys in Rialto

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Bankruptcy Attorneys FAQs

Bankruptcy Professionals

Dolen, Tucker, Tierney & Abraham

Hedtke Law Group

Lloyd Legal

The Attorney Group

The Law Offices of Edgar P. Lombera

The Turoci Bankruptcy Firm

Frequently Asked Questions

Q: Can anyone file bankruptcy?

Q: How bad is it to file bankruptcy twice?

Q: Can they take my car in Chapter 7 bankruptcy?

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