Bankruptcy

A bankruptcy consultation with us means a personalized approach to a current Chapter 7 or Chapter 13 situation. We have more than twenty years of experience handling bankruptcy cases of all kinds. We know that your case is unique.

It is our duty to present you with all of your options, and our goal to get you back on your feet. At the Law Offices of John J. Brandlin, Jr. we can assist you with:

Chapter 7: Chapter 7 bankruptcy involves the complete and total liquidation of all assets. All monies gained from selling said assets are then divided amongst creditors. Typically, Chapter 7 is reserved for businesses.
Chapter 13: Chapter 13 includes the creation of a payment plan. Throughout a three to five year period, agreed upon payments will be made to owed creditors.

Bankruptcy is not the answer for everyone. When you meet with us, all of your debt relief options will be presented. We can help you make the decision to file for Chapter 7 or Chapter 13 can be confidently made. Contact us at 949-453-2100 or send us an email to learn more.

Learn More About Debt Relief Through Bankruptcy:

Bankruptcy is not for everyone who has debt, and it is not to be entered into lightly. But for many, it is the best way to get out of debt and get a jump start on a fresh financial future.

Chapter 7 Bankruptcy: Offers total debt relief in the form of "liquidation." In other words, your qualifying assets will be sold off to pay your creditors, and you will be completely relieved of those debts. Remember, however, most people who qualify for Chapter 7 bankruptcy have no qualifying assets to lose, so you may be able to keep all of your property, including your house and your car.
Chapter 13 Bankruptcy: Is a "wage earner's plan," in which people who earn a steady income pay off their debts over a three to five year period. Chapter 13 is an option for people who are behind on their mortgage payments and other large debts, allowing them to manage and reorganize their debt.

Filing either bankruptcy option triggers the "automatic stay," which forbids creditors from legally taking any further actions against you. The harassing phone calls and threatening letters will stop. If your wages are being garnished or you are facing a repossession or foreclosure, your creditors will be stopped from proceeding with those actions as well.

Chapter 7 Bankruptcy

People who file Chapter 7 bankruptcy typically have their debt discharged within four months. Chapter 7 bankruptcy can discharge credit card debt, medical bills and other unsecured debt. It cannot discharge child support, spousal support, student loans or certain tax debts.

If you qualify for Chapter 7 bankruptcy, you will probably only have to go to court once. Present at this meeting will be a bankruptcy trustee and any creditors who choose to appear (they rarely do). If you choose our firm to represent you, an attorney will attend this meeting with you and answer any questions you may have about the process.

If Chapter 7 bankruptcy is not right for you, we can help you explore Chapter 13 bankruptcy and other debt relief options.

Chapter 7 Bankruptcy & Your Property:

In a Chapter 7 bankruptcy, a debtor's assets are liquidated and the proceeds are used to pay off existing unsecured debt. However, most people who file for Chapter 7 do not have any qualifying assets to seize, and therefore do not end up losing any of their personal property.

If you do stand to lose assets, you can choose to give them up, or enter into a reaffirmation agreement. This agreement allows you to keep property by making arrangements with your creditors as to how you will pay your debts. We can help you understand what, if any, property you stand to lose by filing Chapter 7 bankruptcy, and help you establish a reaffirmation agreement if that is in your best interests.

Contact us at 949-453-2100 or send us an email to learn more about debt relief options and how we can help you file for bankruptcy.

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

Experience You Can Trust

Over 35 years Experience
'AV Rated' (highest rating) by Martindale-Hubbell Legal Directory

Areas of Practice

Call For A Consultation

949-453-2100

Member

State Bar of California
Orange County Bar Association
National Association of Consumer Bankruptcy Attorneys

Contact Information

Law Offices of John J. Brandlin, Jr.
15615 Alton Parkway
Suite 450 Irvine, CA 92618
Phone: 949-453-2100
Fax: 949-453-1616
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At the Law Offices of John J. Brandlin, Jr., we represent clients in Irvine, California, and the surrounding areas, including the cities of Newport Beach, Aliso Viejo, Laguna Niguel, Tustin, Santa Ana, Orange, Huntington Beach, Garden Grove, Fullerton, Costa Mesa, Anaheim, Corona del Mar, Westminster, Fountain Valley, San Juan Capistrano, San Clemente, Foothill Ranch and Lake Forest; Orange County and throughout Southern California.