The Law Offices of Linda S. McAleer is a multi-jurisdictional Chapter 7 Bankruptcy firm with experience in San Diego, Riverside, Orange County, and Los Angeles. We listen to what you have to say, examine the facts and provide the best options. We offer alternatives to bankruptcy and an unbiased opinion on what is best for your specific needs. We have been serving Southern California Bankruptcy needs for over ten years and continue to provide support and assistance to both past and present clients. At the Law Offices of Linda S. McAleer we offer debt settlement assistance, debt defense, foreclosure avoidance, and Chapter 7 Bankruptcy. Linda S. McAleer listens to what you have to say, examines the facts and provides the best options. She offers alternatives to bankruptcy and an unbiased opinion on what is best for your specific needs.
Chapter 7 Bankruptcy
University of California (Berkeley)
California Western School of Law
California State Bar
U.S. Bankruptcy Court for the Southern District of California
U.S. Bankruptcy Court for the Central District of California
Member National Association of Consumer Bankruptcy Attorneys
Bankruptcy is a proceeding that occurs in federal court. Based on your unique personal situation, you may either have all unsecured debts, such as credit cards, discharged. Or you may participate in a payment plan to provide all, or part, of the payment due.
Experience – We are a team of multi-jurisdictional Chapter 7 Bankruptcy and Chapter 13 Bankruptcy attorneys with experience in front of virtually every trustee in the district.
Simplicity – We will listen to what you have to say, examine the facts and provide the best options. We offer alternatives to bankruptcyand an unbiased opinion on what is best for your specific needs.
Price – Some firms offer one low price for bankruptcy, only to hit you with extra fees for motions, continuances, credit reports, etc. At the Law Offices of Linda S. McAleer we will tailor an affordable bankruptcy solution for your situation and tell you all fees up front, before you start the process.
In order to qualify for a Chapter 7 Bankruptcy you must meet certain financial requirements. Under the new law, people must fall below the median income for their geographic area. If you do not immediately fall under the median income, then are certain expenses that may be taken into account which would allow you to qualify for a Chapter 7. Don’t try to figure out all of the limits and exemptions yourself. Experienced San Diego Bankruptcy Lawyers and trustees argue the limits on a daily basis and it is recommended that someone with intimate knowledge of the San Diego Bankruptcy courts help you decide what to include.A Chapter 13 Bankruptcy is sometimes an option for an individual who does not qualify for a Chapter 7.
The answer is maybe, there are certain debts that cannot be discharged. Some of those include: government guaranteed studentloans*, taxes, secured debts, debts procured by fraud or misrepresentation and family support. You will be required to continue regular payments on these debts. Again, an experienced San Diego Bankruptcy Attorney should be utilized to get the maximum relief.
Although the bankruptcy will be noted on your credit report, it is not the end of the world. Once your bankruptcy is discharged, you can typically get credit cards again, buy automobiles, and over time, obtain a home loan. Bankruptcy wipes your financial slate clean and provides you with a new start. Many people begin rebuilding their credit immediately after discharge.