Irvine, California (PRWEB) June 24, 2012
The bankruptcy lawyers at the Law Offices of Zhou & Chini personally oversee every bankruptcy file and file bankruptcy themselves. Even a simple chapter 7 bankruptcy can overwhelming to someone filing bankruptcy on their own. A lawyer from fthe firm was quoted “typically, when someone has to file bankruptcy they are not in a good state of mind. Dealing with creditor harassment and filing bankruptcy at the same time isn’t easy for most consumers without bankruptcy filing experience.” Most bankruptcy lawyers are happy to discuss their fees for filing bankruptcy, and a chapter 7 bankruptcy in California runs between $1,500.00 and $2,500.00 with a good Irvine bankruptcy attorney.
If an individual is facing financial hardships in Irvine and are looking to protect a home from foreclosure or a vehicle from repossession, filing a Chapter 13 bankruptcy will protect a home or car. It will stop foreclosure or repossession actions. Residents in Irvine can stop foreclosure process by filing bankruptcy in Irvine. By filing a Chapter 13 bankruptcy case an individual can catch up on back payments on real estate through the payment plan worked out with the bankruptcy trustee. The individual must continue to make timely payments on the home during the bankruptcy case, or the lender petition the court to proceed with the foreclosure sale. Foreclosure is the legal process by which a lender reclaims a home or property to recoup the outstanding balance on a mortgage or loan. The property is sold, usually at auction, and the proceeds of the sale are used to settle the debt. The foreclosure process differs from state to state, and can happen as quickly as 30 days from the time that a notice is received. In some cases, the lender can also come after the person for the remainder of the loan if the sale price doesn’t satisfy the debt.
A chapter 13 bankruptcy filed by an attorney in Irvine can cost between $3,500 to $5,000 or more depending on the amount of debt to restructure. Financial problems can be trying, but there is help available. If an individual is considering filing for Chapter 13 bankruptcy in Orange County CA, it might be a good idea to speak with an experienced bankruptcy attorney.
New bankruptcy laws in California have also been updated to require bankruptcy filers to reside in their state at least 2 years before they can file for Chapter 7 or Chapter 13 bankruptcy. The residency provision was added to stop individuals from moving to states that had more consumer friendly bankruptcy laws. Consult with a Irvine bankruptcy attorney about all the requirements to file for bankruptcy. Filing bankruptcy can bring a relief from creditor phone calls and debt collection efforts. It will allow the individual filing to restructure your debt and begin building a brighter future.
The firm plans expanding their marketing efforts through all Orange County in order to keep expanding the firm. The law office uses Facebook and other social media platforms to help deliver the message about bankruptcy laws. A senior partner from the firm was quoted “We know these are tough times, that’s is why we try to provide as much free information about filing bankruptcy, Irvine residents can then decide for themselves if it is the right financial decision for them. We would be glad to offer a free consultation to see if filing Chapter 7 or Chapter 13 will benefit them.” To schedule a free and confidential consultations call the Law Offices of Zhou & Chini today and speak with a California Bankruptcy Attorney at (888) 901-3440 or visit them at http://bankruptcyattorneyirvine.bankruptcyattorneyorangecounty.org/
About the Firm: Zhou and Chini Law Offices provide bankruptcy assistance to Irvine, Los Angeles, Riverside and San Diego residents. If you would like more information about the company please call the toll free, 888-901-3440 or visit http://bankruptcyattorneyorangecounty.org