Among all the states in America, California ranks at the top for the greatest
number of bankruptcies filed each year. On average, over 200,000 bankruptcy
cases are filed each year in California, most filings being made by consumers.
Our bankruptcy lawyers in Lancaster, CA, and our other offices have seen
many different reasons for filing bankruptcy, such as unexpected medical
expenses, job loss, and poor handling of credit.
Deciding to file for bankruptcy can be a difficult decision, but it can
be the right choice for some people given that it is handled correctly.
Once bankruptcy is discharged, individuals are free to start anew financially.
The first step of filing for bankruptcy is to find a lawyer with experience
in dealing with bankruptcy cases. It is critical that you have a lawyer
throughout the bankruptcy process: unrepresented households or individuals
are often manipulated by creditors, who would not attempt to do so otherwise
in the presence of licensed bankruptcy lawyers. In Encino and our other
offices, our bankruptcy lawyers will then give you information on credit
counseling courses, which are mandatory for the filing process.
Throughout our representation, our attorneys will take measures to protect
you from creditors. Most cases are discharged approximately four months
after filing your petition. Between filing and discharge, our clients
will need to take a financial management course and attend the meeting
of the creditors (341a hearing). In the vast majority of Chapter 7 consumer
cases, creditors do not show up. It will generally consist of the bankruptcy
trustee asking our clients questions under penalty of perjury. Such questions
can involve existence of assets, debts, and reasons for filing for bankruptcy.
We provide preparatory information for our clients before such a hearing,
and have an attorney with our clients at the hearing.
Although taking that first step towards filing for bankruptcy is difficult,
a qualified bankruptcy lawyer will help you through the process. The Werner
Law Firm provides legal bankruptcy support in Encino, Lancaster, Bakersfield,
Santa Clarita, Pasadena, and Simi Valley.