Orange County Bankruptcy Lawyer for Individual Debtors
Individual debtors contemplating bankruptcy in California have two options under the bankruptcy code: Chapter 7 bankruptcy and Chapter 13 bankruptcy. While both options can achieve specific debt relief objectives, it is important to know your rights and options while fully understanding the consequences of filing either Chapter 7 or Chapter 13. At The Law Office of Marc Zimmerman, you can trust that we will provide the counsel and advocacy you need to proceed in bankruptcy.
For a free consultation with an experienced bankruptcy and debt relief attorney, please call us at 1-714-881-2582 or toll free at 1-866-586-1033.
Trusted Counsel and Advocacy for Individual Debt Relief
- Are you looking to start a new life, debt free?
- Do you want to end creditor harassment, stop garnishment or foreclosure?
- Do you need counsel to alleviate personal debt? We can help!
Our primary attorney, Marc Zimmerman, will take the time to fully explain your rights and options, including alternatives to bankruptcy. If you decide that bankruptcy is the best approach, we can make sure you understand the process and the law. Understanding that taking steps towards bankruptcy can cause apprehension, we will provide personal, non-judgmental advice to help you get the second chance you deserve.
Chapter 7 Bankruptcy
Chapter 7 is an option that works best for individuals who have a significant amount of unsecured debt, including medical bills or credit card bills. Individuals must meet certain criteria for filing a Chapter 7 bankruptcy. This criterion includes a means test to determine if your annual income exceeds the median income for your geographic area. If your debt involves a mortgage or you do not meet the means test, you may be better qualified for Chapter 13 bankruptcy.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy is available to individuals who do not meet the criteria to file Chapter 7 because of income and rate of debt, or for families with significant secured debt and assets. It can be especially useful if you are behind on mortgage payments and want to stop a foreclosure. We will take the time to review your income, debts, assets and options to determine whether Chapter 13 bankruptcy is right for you and your family.
Past clients have commented about the commitment and dedication Mr. Zimmerman provided during his representation. Most of all, they expressed appreciation of his understanding of their situation and his assistance in providing them with a new beginning.
We handle many issues regarding personal bankruptcy for individuals, including:
- Post-bankruptcy representation
- Home foreclosure
- Vehicle or auto repossession
- Creditor and collection company harassment
- Credit card debt
For additional information about your bankruptcy options, including Chapter 7 or Chapter 13, or to discuss your particular situation with an Orange County attorney with more than 25 years of experience, please schedule a free confidential consultation by calling us at 1-714-881-2582 or toll free at 1-866-586-1033. If you prefer, you could fill out the intake form and Attorney Zimmerman will call you back.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
