Santa Ana, CA (PRWEB) August 23, 2012
The residents of Southern California know all to well about bankruptcy and Santa Ana is no exception. There have been many that have fought through these hard economic times, but are still unable to get a hold on finances. Some can seek the advice of a Santa Ana bankruptcy attorney to ease the tension and harassment from debt collectors and threats of wage garnishments. Santa Ana bankruptcy attorneys Zhou and Chini have already been offering help to those individuals in Santa Ana that have caught up in the housing market or job loss. A law firm representative was quoted, “We are strongly advertising our $100 down stops harassing creditor calls, by promoting the slogan with free consultations for bankruptcy in Santa Ana; our goal is to help those in need of financial relief.”
Speaking to a bankruptcy attorney in Santa Ana for free is the first step in finding out what type of bankruptcy an individual qualifies for, Chapter 7, Chapter 13 etc. Before someone can file a Chapter 7 bankruptcy in Santa Ana, the individual must take a means test which takes income, expenses, assets, and liabilities into account. As a general rule, when the filer’s income is below that of the state’s median income, a Chapter 7 bankruptcy in Santa Ana will be permitted. For either a Chapter 7 or a Chapter 13 bankruptcy in Santa Ana, filers can go straight to the court but it is highly advised to have an experienced Santa Ana bankruptcy attorney do the bankruptcy court filing. When a consumer files a Chapter 7 Bankruptcy in Santa Ana, there’s no minimum or maximum amount of debt one can eliminate. A Santa Ana bankruptcy attorney will be able to tell that individual if you qualify to file for Chapter 7 bankruptcy by running a "means test", as well as informing if all of your debts are dischargeable. What kind of information will a bankruptcy attorney need prior to a person files for a Chapter 7 bankruptcy? The individual will need to get together various documents, including: A list of assets and liabilities (typically pulling a credit report helps) income and expenses as well as other pertinent documentation (W2's and tax returns are required).
HARP Refinance program or the HARP 2 program came out a few months back , but unfortunately many will not qualify. When that’s the situation, there are certain methods one can use to stop a foreclosure; an individual can stop foreclosure process by filing bankruptcy. By filing a Chapter 13 bankruptcy case an individual can catch up on back payments on the house and bills through a payment plan worked out with the bankruptcy trustee. The person must also continue to make timely payments on the property during the bankruptcy case, or the lender petition the court to proceed with the foreclosure sale. The bankruptcy attorneys Zhou and Chini can guide you filing for bankruptcy in Santa Ana.
Some Santa Ana homeowners can attempt to negotiate with the lender to receive a loan modification. This can permit them to occupy the house and make the payments on the debt more manageable. Many programs have been created to help homeowners stay in the properties because 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 qualified Santa Ana attorney can help with negotiate with a lender to obtain a loan modification. Fees associated with the negotiation process may limit the benefits of the modification received.
The use of a bankruptcy attorney in Santa Ana to assist someone in debt is being used more and more as consumers find out the bankruptcy is not something to be embarrassed of. The bankruptcy law office of Zhou and Chini, have devoted numerous hours to provide free information on the firm’s website and also through social media. The firm believes by providing as much information possible to the public, it will allow consumers to make smart choices on financial decisions, or whether or not they qualify for bankruptcy. For more information visit
The Santa Ana bankruptcy attorneys utilize SEO professional services to assist in law firm marketing to promote the message about the importance of speaking with a bankruptcy lawyer in Santa Ana CA. if someone is considering filing. The firm continues its online presence by offering zero cost bankruptcy information on bankruptcy firm’s blog and social media pages. This information along with free consultations the firm hopes to attract more Santa Ana residents looking for financial relief. To read more on the bankruptcy attorney Santa Ana Facebook page visit, http://www.facebook.com/BankruptcyAttornySantaAna
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, Santa Ana and San Diego residents. If you live in San Diego or Orange County and believe you may qualify for a reverse mortgage in Orange County 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://bankruptcyattorneyorangecounty.org/