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Bounce Back with a Bankruptcy


You know how that old horror story goes -- it's 2020.  Job prospects are at zero but credit card balances are far from that.  Electric bills are through the roof because of a never-ending heat wave.  Landlords are patiently waiting for eviction moratoriums to expire because people just aren't paying rent.

For some, unemployment provides brief but necessary respite from creditors.  But what happens when jobs come back, and unemployment benefits disappear without taking all of those bills with them?

It is time to bury bankruptcy taboo, for good.  Long, long gone are the days of "debtor's prisons" and "poorhouses" -- mechanisms for shaming people who could not pay their bills. United States bankruptcy laws were enacted to eliminate those methods and protect those who are earning, and spending, but had a run of bad luck -- a medical issue; a divorce; a business venture that did not work out; a pandemic.  

We, as Californians, have had little control over what happened to us, and our state, this year.  The COVID-19 pandemic laughed at our collective efforts to work hard and earn income, and the recent fires (among other culprits) have destroyed homes and businesses across our beautiful state.  

None of this was your fault.  You worked hard, you filled out the paperwork, you hunkered down and tried to figure out what to do next.  What you can do now, though, is think about seeking federal bankruptcy protections, which the United States Constitution instructs Congress to enact for this very reason.


It is time to realize that a bankruptcy discharge -- not stringing yourself along on unemployment benefits -- is the way out of this nightmare.

For when it comes to bankruptcy, "F" does not mean failure.  In bankruptcy, "F" means Fresh Start. 


In a typical Chapter 7 bankruptcy, unsecured debts -- such as credit card debt -- are discharged. In other words, personal obligations to repay those unsecured debts are removed. If relocation (due to non-payment of rent or mortgage) is required, bankruptcy protections may include a homestead exemption that may be applied to a new home for you and your family. In this way, a fresh start in bankruptcy feels like fresh sheets -- a clean break from last week, last month, or even last year

My office provides free half hour, virtual consultations, during which we consider a potential client's assets and liabilities to see if bankruptcy is a viable option. If it is, a bankruptcy attorney will work to assist in every step of the bankruptcy process -- which typically lasts for just a few months. That means, by early 2021, you could wake up from this nightmare with something unemployment benefits are hard-pressed to provide -- a "reset" button on your finances.  

Start the next decade with no debt. We can only go up from here.  

Leah Michele Kaufman, Esq. is a Bankruptcy and business litigation attorney at Kaufman & Kaufman in Santa Ana, California. She practices with her father and mentor, Leslie Keith Kaufman, Esq.

Disclaimer. The content of this article is not legal advice, nor legal opinion, and should not be relied upon for individual situations. Legal counsel should be consulted for legal planning and advice. No lawyer-client relationship with Kaufman & Kaufman will be formed, and no information you want to keep confidential should be disclosed - through e-mail links or otherwise - to Kaufman & Kaufman, until the firm has conducted a "conflicts check" and you and the firm have signed a retainer agreement or an engagement letter.

Kaufman & Kaufman is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code, in the Central District of California. Kaufman & Kaufman does not practice or offer legal services in jurisdictions where firm lawyers are not licensed.

Questions about this article should be directed to Kaufman & Kaufman in writing. 

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Best Bankruptcy Attorney Irvine, Ca

7 Reasons to retain Law Offices of Kaufman & Kaufman


1.   FIRST WE LISTEN - We offer a FREE CONSULTATION where you can meet confidentially with your attorney to discuss your individual situation.  You will receive personalized attention to discuss both  non-bankruptcy and bankruptcy procedures to address your particular needs.

2.   NO PARALEGALS.  You will be represented by an experienced attorney -- over 28 years of BankruptcyExperience.  WE DO NOT USE PARALEGALS!

3.   FLAT FEE.  We charge one reasonable fee - start to finish.  NO HIDDEN FEES -- ALL CHARGES UP FRONT.

4.   NO CONTRACT LAWYERS.  You will be represented by one experienced attorney through your entire case. WE DO NOT USE CONTRACT LAWYERS FOR YOUR HEARING!

5.   CONVENIENT OFFICE LOCATION -- We are centrally located in the Orange County Civic Center, across from the Bankruptcy Court.  Easy access from anywhere in OC.
6.   FAMILY FIRM-  We have been a family practice for over 30 years.  We are not a faceless firm to you, and you are not "just another file" to us.

  7.   START TO FINISH REPRESENTATION -- We monitor your case from start to finish, so important deadlines are all met on time.


We assist with Bankruptcy services for clients throughout Orange County in all of the following cities:
Aliso Viejo, Anaheim, Brea, Buena Park, Costa Mesa, Cypress, Dana Point, Fountain Valley, Fullerton, Garden Grove, Huntington Beach, Irvine, La Habra, La Palma, Laguna Beach, Laguna Hills, Laguna Niguel, Laguna Woods, Lake Forest, Los Alamitos, Mission Viejo, Newport Beach, Orange, Placentia, Rancho Santa Margarita, San Clemente, San Juan Capistrano, Santa Ana, Seal Beach, Stanton, Tustin, Villa Park, Westminster, and Yorba Linda

 

Please call the Law Offices of Kaufman & Kaufman today at (714) 550-9305 to schedule your free consultation

 


 

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Best Bankruptcy Attorney Newport Beach
"We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code."
 Kaufman & Kaufman Orange County Bankruptcy Lawyers
FREE CONSULTATION: (714) 550-9305
 
 
FREE CALL:  800-9-KAUFMAN
Our address is: 1001 North Ross Street Santa Ana, CA 92701-3315
 
Ten Common Reasons People File Bankruptcy


1.  Fresh Start from declined business

2.  Fresh Start from too much credit card debt

3.  Stop Foreclosure on home or business property.

4.  Stop Repossession of car or other property

5.  Freedom from high medical bills.

6.  Discharge debts from lost job or unemployment

7.  Stop Creditor Harassment:  calls, threats, lawsuits

8.   Divorce:  While the old adage "two can live as
     cheaply as one" is often true, so is the opposite,
     when a couple splits up, the combined cost of
  living can often double.

9.  Stop Wage Garnishment; other enforcement of judgments

10.  Thwart Creditor Fraud or Identity Theft

  http://www.kaufman-kaufman.com/
 
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