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Finishing Your Chapter 13 Bankruptcy Case

By Rounds & Sutter LLP |

Chapter 13 bankruptcy takes several years to complete and can require some sacrifice on behalf of petitioners, but for those who manage to stick with their payment plans, it can bring numerous benefits without the same long-term credit consequences of a Chapter 7 bankruptcy filing. Learn about how a bankruptcy is completed, and some of… Read More »

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Lien Stripping during a Chapter 13 Bankruptcy

By Rounds & Sutter LLP |

If you’re a homeowner and your expenses are starting to become more than you can handle, you may be most concerned about what you can do to prevent losing your home through a foreclosure. Filing for bankruptcy under Chapter 13 can offer multiple benefits to homeowners that could allow them to keep their home when… Read More »

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How Divorce Settlements are Affected by Bankruptcy

By Rounds & Sutter LLP |

Determining what property is part of your estate, and determining which of that property is exempt or non-exempt, can be one of the most complex aspects of a bankruptcy filing. While your estate is normally limited to the property you own when you file, there are certain cases where property you acquire after filing might… Read More »

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How Does an Asset Chapter 7 Bankruptcy Work?

By Rounds & Sutter LLP |

Chapter 7 bankruptcy is sometimes referred to as liquidation bankruptcy, since this type of filing gives the bankruptcy trustee the authority to make the debtor’s assets liquid and to use the resulting cash to compensate creditors. Many potential Chapter 7 filers are scared that they’ll be forced into selling personal treasures or necessities during their… Read More »

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New Law Would Help Injured Vets Discharge Student Loans

By Rounds & Sutter LLP |

Nearly all unsecured forms of debt can be discharged when filing for bankruptcy, with the glaring exception of student loans. Attending college and graduate school has never been as necessary to building a successful career as it is now–nor has it ever been as expensive. Rare is the student who can complete a bachelor’s or… Read More »

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The Roles of the Bankruptcy Trustee and U.S. Trustee

By Rounds & Sutter LLP |

After filing for bankruptcy, the US Bankruptcy Court assigns a trustee to your case. The bankruptcy trustee can have a major influence on how your case progresses. Read on to learn more about the bankruptcy trustee’s role, and speak with a Ventura bankruptcy attorney if you have any additional questions. The Bankruptcy Trustee The bankruptcy… Read More »

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Bankruptcy Can Help You Recover Garnished Wages

By Rounds & Sutter LLP |

Bankruptcy can be a confusing, byzantine process, and without prior knowledge of the system, it’s easy to get overwhelmed and to feel as though the game is rigged against you. With legal help on your side from attorneys who understand this maze of laws and rules, however, bankruptcy can provide you with numerous money-saving benefits… Read More »

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Surrendering Collateral in a Chapter 13 Bankruptcy

By Rounds & Sutter LLP |

There are numerous reasons why debtors choose to file for bankruptcy under Chapter 13 rather than Chapter 7. You may have done so because you do not meet the income limits to file for Chapter 7, because you own property you wish to keep that would not be covered by a Chapter 7 exemption, or… Read More »

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What Happens to My Apartment Lease if I File for Bankruptcy?

By Rounds & Sutter LLP |

There are many important questions to answer before deciding to file for bankruptcy. If you will be filing for bankruptcy under Chapter 7, you’ll need to make decisions about how bankruptcy could affect your ability to keep assets that are important to you. These assets include any leases you’ve signed, whether for personal property like… Read More »

Judgment Liens

Avoiding a Judgment Lien through Bankruptcy

By Rounds & Sutter LLP |

Among the many reasons to consider filing for bankruptcy sooner rather than later is to avoid letting your unsecured consumer debts become secured. Once unsecured debt becomes secured by a lien, your creditor will become a partial owner of that property, with the potential power to require that your property be sold to satisfy the… Read More »