Bankruptcy in Banning

Thank you for visiting the Banning Bankruptcy Law Offices of “insert attorney name”.

Is bankruptcy the right choice for you?

Do you have several unanswered questions and don’t know who to turn to?

Our attorneys are experienced and knowledgeable in the California Bankruptcy laws. Please take a moment and visit our “Why hire us” page to see what makes us exceptional from the other Bankruptcy attorneys in and around Banning.

Banning Bankruptcy Overview

• Filing for bankruptcy provides you with a fresh start – not an end.
• Once you file for bankruptcy, your creditors must stop contacting you.
• Bankruptcy remains on your credit report for 10 years.

It could be time to file for bankruptcy when:

• You are being harassed by collection agencies all the time
• Your paycheck seems so small compared to all the debt you have
• The only mail you receive is collection letters.
• You are being sued.

Local Courthouse

• Banning Civil Court
  • 155 East Hayes Street
  • Banning, CA 92220
  • 951-922-7155
  • 7:30 a.m. to 4:00 p.m.

United States Bankruptcy Court

• Central District of California
  • 3420 Twelfth Street
  • Riverside, CA 92501
  • 951-774-1000
  • 9:00 a.m. to 4:00 p.m.

California Homestead Act

• Protects you from losing your home to creditors when you file for bankruptcy.
• Protects your equity – cannot be taken to pay judgment against you.
• The amount varies – every homeowner has a minimum of $50,000 protection.
• Over 65 years old – receive $150,000 protection.
• You can also record a Homestead Declaration in the county where you live.

Secured / Unsecured Debt

• Secured Debt - Allows a creditor to make a claim on your home or car.
• Unsecured Debt - Held by creditors - no claim to your assets (credit cards).

Conclusion If you are faced with a financial challenge, you can wish it away or you can explore your options and see it legally go away. We will provide you with all the answers to the questions you had. Call the Bankruptcy Law Offices of “insert attorney name” in Banning.

 

 

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