Murrieta, CA (PRWEB) August 29, 2012
Murrieta residents that are in need of legal assistance and have trouble with finances just got a little break. The bankruptcy attorneys of Zhou and Chini announced they will accept payment plans for those who cannot pay the entire amount up front. The law firm states $100 will stop creditors and retain one of Southern California’s best bankruptcy law firms.
Filing for Chapter 7 bankruptcy in Murrieta has no minimum or maximum amount of debt one can file bankruptcy for. A Murrieta attorney will be better able to assess the client’s qualification after that person takes a "means test", as well as informing if all of what debts are dischargeable. The information that one needs if they qualify for Chapter 7 bankruptcy is, various documents, consisting of: A list of assets and liabilities (typically pulling a credit report helps) income and expenses as well as other important documentation (W2's and tax returns are required).
Some Murrieta property owners face foreclosure and might not qualify for the HARP Refinance program. If that’s the situation, there are methods to stop a foreclosure; By working with a Murrieta bankruptcy attorney, the filing individual can utilize this powerful tool to have advantage if a property is facing foreclosure by possibly filing Chapter 13. The bankruptcy attorneys Zhou and Chini are very well versed in dealing with foreclosure defense by way of bankruptcy. The bankruptcy attorneys have the experience and the resources necessary to help.
A Murrieta homeowner may also attempt to negotiate a loan modification with the lender. Sometimes it is possible to work out payments that are more acceptable to the property owner, and allows them to occupy the home. There have been many programs created to help homeowners keep living in the homes due to the current mortgage crisis. The U.S. Department of Housing and Urban Development provides information on the government’s programs to help homeowners negotiate a mortgage modification. A Murrieta attorney can help with negotiate with a lender to obtain some sort of a loan modification. The Fees associated with the negotiation process may limit the benefits of the modification received. The use of an experienced bankruptcy attorney in Murrieta to assist someone in debt is being used more and more as individuals continue to suffer from a weak job market and housing issues. The bankruptcy attorneys of Zhou and Chini, have worked many hours to provide free information on the firm’s website and use a internet marketing professionals help distribute the message. The bankruptcy firm believes by providing as much information possible to the public, it will allow consumers to make intelligent decisions on financial choices, or whether or not the individual may qualify for bankruptcy in Murrieta.
Promoting the message of accepting payment plans from the bankruptcy attorneys are done by SEO professionals. If someone is thinking of filing bankruptcy in Murrieta, consulting an experienced bankruptcy firm is highly recommended. The bankruptcy firm continues its internet presence by offering free information on the bankruptcy firm’s blog and social media pages. Payment plan options, along with free consultations the firm hopes to attract more Murrieta residents looking for financial relief. To read more on the bankruptcy firm’s bankruptcy attorney Murrieta Facebook page visit http://www.facebook.com/BankruptcyAttorneyMurrieta
About the Firm: The Law Office of Zhou & Chini servicing the cities and counties of California. He is a graduate of UCLA and has been practicing law since 1999. Mr. Zhou has a wealth of experience in bankruptcy, civil litigation, family law, criminal law and unlawful detainers. Zhou and Chini Law Offices provide bankruptcy assistance to Orange County, Los Angeles, Murrieta and San Diego residents. If you live in San Diego or Orange County and believe you may qualify for a reverse mortgage to help manage debts speak with one of our specialists. For more information about the bankruptcy law firm please call the toll free, 888-901-3440 or visit http://www.bankruptcyattorneyinmurrieta.com