 Rancho Bernardo Bankruptcy Attorney Law Firm is #1 in my book. They are great. If it weren't for them, we would have lost our home. I am glad that he's an honest attorney and will tell you the truth. We think about him a lot when we think about what he's done for us. - Charles Vitug, Rancho Bernardo, CA  Can Bankruptcy Only Be Applied to Credit Card Debt? Can you declare bankruptcy on just your credit card debt? The short answer yes. The long answer well, keep reading the rest of the article. Before 2005 you would be able to discharge on your credit cards without any consequence from your lenders... |
341 Meetings - 858-352-7382
Rancho Bernardo Bankruptcy Lawyer @ Rancho Bernardo Bankruptcy Attorney Law Firm - What to Expect at the 341 Meeting
At Rancho Bernardo Bankruptcy Attorney Law Firm, we talk with many people who have misconceptions about bankruptcy. They find it intimidating and frightening. They think that a judge is going to question every decision they have made. But bankruptcy does not have to be scary or humiliating. It is an orderly process designed to re-organize a person's debts as quickly and efficiently as possible.
Rancho Bernardo Bankruptcy Attorney Law Firm has guided thousands of clients through bankruptcy. These were people just like you — people who got in over their heads and needed a helping hand. That's what bankruptcy is for, to give people a new financial start.
What to Expect
Almost all of our work is done outside of bankruptcy court, before the required 341 Meeting takes place. In your case, we will explain the bankruptcy process in detail and answer every question you have. By the time we do get to the Meeting, you will have a thorough understanding of what will happen and why. You will have the confidence of knowing that you are being represented by an experienced and knowledgeable lawyer who has your best interests at heart.
A Meeting, Not an Inquisition
When we have prepared your case and identified all of the debts we can eliminate, a 341 Meeting will be scheduled in the 341 Meeting Room. Rancho Bernardo Bankruptcy Attorney Law Firm will attend the 341 Meeting with you. In many ways, the term "bankruptcy court" is not accurate. While technically speaking it is a court of law, it looks and feels like something much different.
The 341 Meeting will be held in a conference room, not a courtroom. You will be asked some routine questions by a bankruptcy trustee, not a judge. Rancho Bernardo Bankruptcy Attorney Law Firm will advise you what these routine questions are before the Meeting takes place. The proceeding will be orderly and businesslike, not frightening or accusatory. We will be there to respond to any legal questions the trustee may have. The trustee will ask you a few simple questions and all you have to do is answer them truthfully.
Your creditors have the legal right to attend this hearing but this almost never happens. In almost all personal bankruptcy cases, the debtor is required to make only one appearance.
Debt Relief and a Fresh Start
Whether your case involves a Chapter 13 or Chapter 7 bankruptcy, you will take steps to get debt relief and a chance to begin your financial life anew.
Call 858-352-7382 or send us an e-mail for a free consultation with a Rancho Bernardo bankruptcy lawyer at Rancho Bernardo Bankruptcy Attorney Law Firm.
