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Law Office Of Curtis R. Aijala, APLC
Law Office Of Curtis R. Aijala, APLC
909-983-0877
Simplifying The Law To Make Your Experience As Stress-Free As Possible

Efficient Bankruptcy Attorney In Ontario, California

Sometimes bad things happen to good people.  They get laid off; get medical bills that are not covered by insurance; or they get overwhelmed with credit card debt.  Bankruptcy is often thought of as scary; however, it does not need to be. In California, it can offer many people hope.  It is a way to erase debt and start over financially.  It is a legal process that allows people facing debt to seek relief. It can help debtors by discharging and erasing certain debts and providing an organized way to deal with creditors. The Law Office of Curtis R. Aijala, APLC, can assist with the bankruptcy process by offering client-focused support and personalized solutions.

  • People consider filing bankruptcy for many different reasons, but the most common are:
  • Debt relief – Bankruptcy can erase or discharge certain debts and provide people with a financial fresh start.
  • The automatic stay – This temporarily stops most creditors from pursuing collection actions such as lawsuits and harassing phone calls.
  • Asset protection – Bankruptcy can exempt certain types of assets, such as the equity in your home or car, from creditors.

These are just a few of the possible positive outcomes of filing for bankruptcy; however, everyone’s individual circumstances are different. Determining whether bankruptcy is right for you can be a tough decision. You must carefully consider your financial situation and weigh all your options. A free assessment with The Law Office of Curtis R. Aijala, APLC, can help you determine if Bankruptcy is right for you.

There are generally two different types of bankruptcies for individual filers. Chapter 7 bankruptcy, sometimes known as “liquidation bankruptcy,” erases or discharges debts and allows you to keep exempt assets. The other type is Chapter 13 bankruptcy.  This is sometimes known as “a wage earner’s plan.” It lets individuals with sufficient regular income create a plan to repay their debts over a period of time.

The Bankruptcy Process In California

After you have weighed your options and decided what to file bankruptcy, what happens next? Filing for bankruptcy follows a general process in California. After deciding which type of bankruptcy to file, you will need to take a bankruptcy credit counseling course.

The next step is to file for bankruptcy under the best Chapter for your situation. This involves filling out forms and providing documents to verify your income, assets, debts, and other information. This part of the process stops creditors from calling and harassing you. You will also need to pay a filing fee. Next, you meet with a bankruptcy Trustee to discuss your bankruptcy paperwork and decide if you are eligible to discharge or eliminate your debts.

Finally, if your case is approved, you will take a second course on financial management. A certificate of completion will need to be filed with the bankruptcy court.

Next, you must decide if you qualify to use a California exemption to protect your assets. If you do, then you must determine the equity in your assets to see if they can be exempted. There are two important exemptions to consider in California: homestead, which deals with the equity in your home, and non-homestead, which deals with the equity in items other than your home. The exemption you chose when filing for bankruptcy are very important. The Law Office of Curtis R. Aijala, APLC can give you more information about exemptions at the assessment.

Get More Information About Bankruptcy

If you are facing a large amount of debt and think that bankruptcy would be a good fit for you, please call The Law Office of Curtis R. Aijala, APLC to get more information. They can walk you through the process and help determine whether filing for bankruptcy is a good solution for you. Payment plans are available if you decide that bankruptcy is best for your situation. The staff at The Law Office of Curtis R. Aijala, APLC speaks Spanish and can explain the process and the paperwork in Spanish. Please call 909-983-0877 or use the online contact form to get in touch. Free case assessments are available.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.