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BANKRUPTCY
Do you have too much debt? Do your expenses exceed your income, and you see no way out? Put your problems in our hands. We will resolve them.
We have the experience to apply the law in a manner that will provide to you the most benefits possible, as quickly as possible.
Contact
S. E. Cowen Law
(619) 232-1268
Working together:
- We can find the best solution and put you on a path to financial freedom where you have little or no debt, more income than expenses and a renewed sense of personal and financial well-being.
- You need not speak any longer with your creditors; we will do it for you.
- We will complete your bankruptcy as quickly as the law allows, and for the same price that you approve when you hire us, so long as the delays are not outside of our control.
We will apply the law immediately to your situation:
- Your IRA and 401K plans.
- Your furniture, furnishings and clothing.
- Your salary.
- Your jewelry and family heirlooms.
- Your tools of the trade.
- Your car.
DIFFERENT TYPES OF BANKRUPTCY
CHAPTER 7 BANKRUPTCY
Chapter 7 eliminates your debts. In most cases, a Chapter 7 is referred to as a liquidation. This is because the Bankruptcy Trustee has the option of liquidating or selling property of yours that is not exempt from your creditors. In most cases, all, or almost all, of your property is exempt from. In a Chapter 7 bankruptcy you avoid your debts, and keep your property, as permitted by the law.
In a Chapter 7 bankruptcy, you decide what debts you want to keep and which you want to avoid. You can keep your car payment and your house, but eliminate your credit card and department store debts, as well as medical debts and, judgments and other types of debts.
ALTERNATIVES TO CHAPTER 7 THAT WE OFFER
Chapter 7 is not right for everybody. Where appropriate, we can represent you in a Chapter 13 bankruptcy, or we can negotiate directly with your creditors.
CHAPTER 13 BANKRUPTCY
Sometimes an individual or a family simply needs time to catch up on their debts. In this case, a Chapter 13 bankruptcy could be your best possible solution. Others simply earn too much and do not qualify for a Chapter 7 bankruptcy, and must file under Chapter 13. If so, we will assist you in putting together a plan that eliminates as much of your debts as possible, and allows you keep as much of your property as possible.
WHO IS ELIGBILE FOR CHAPTER 13 BANKRUPTCY?
Not everybody qualifies. In order to be eligible, a person must:
- Have a consistent source of income.
- Have sufficient disposable income available to pay unsecured creditors after providing for all living necessities.
If you do not qualify for Chapter 13, you may still qualify to file for bankruptcy protection under Chapter 7.
WHICH TYPE OF BANKRUPTCY IS BEST FOR YOU?
Too many people wait until the last minute to contact a bankruptcy attorney. Many wait until an automobile has been repossessed, or their home is far into the foreclosure process, or their wages have been garnished.
We will provide to you a full explanation of all options available to you.
DEBT SETTLEMENT
If you can’t make your payments, but do not want to file bankruptcy, or if you can’t file bankruptcy, we can negotiate directly with your creditors.
In this type of case, our office will contact your creditors in order to arrange a settlement that is less, or even much less than what is owed. In the majority of cases, creditors are eager to liquidate the debt and receive something on account of what is owed. Creditors, at times, accept a payment plan, and once the payment plan is completed, they may even charge off the rest without negatively affecting your credit, or affecting it as minimally as possible. The length of time of the payment plan depends on the amount of the debt and the particular creditor.
We offer one-on-one personal attention to each of our clients. With us, you are not simply a number. Count on our experience.
1. IMMEDIATE HELP AND PAYMENT PLANS AVAILABLE. Contact us today and get answers. In addition, we accept payment plans and you do not need to pay the entire fee up front before we file your case for you. The initial telephone conference is at no charge, so what except the sleepless nights do you have to lose?
2. YOU ARE NOT ALONE. We are a federally recognized debt relief agency. We help people file for relief under the bankruptcy code.
Blvd.Rodolfo Sanchez Taboada 10488 PH Ofic. 902 Zona Rio Tijuana B.C. 22010
(664) 621-55-81 Tijuana B.C.
1011 Camino del Rio South #531. San Diego CA 92108
(619)232-12-68 San Diego CA U.S.A