Deciding upon the right attorney who will help lead you through the entire bankruptcy process is not a decision that should be made quickly or frivolously. It is critically important to make sure that everything gets done properly the first time around so you do not have potential problems in the future. Attorney Nicholas Gebelt understands the subtleties of bankruptcy law, and can definitely help you avoid unnecessarily losing your assets, or jeopardizing either your entire discharge, or the discharge of certain debts that, with some careful pre-bankruptcy planning, could have been discharged.
Several attorneys treat bankruptcy as a cut-and-dry process and will often shift a great deal of the work to a paralegal. Dangerous errors can occur if the filing is not done correctly. Our board certified bankruptcy attorney san diego will make sure the entire process is done properly.
Bankruptcy Attorney Nicholas Gebelt is one of only a few legal practitioners designated as a bankruptcy specialist by the California Board of Legal Specialization. This definitely helps to ensure a complete and thorough, well-done bankruptcy that can help you escape your crushing debt.
On occasion, we get phone calls from people wanting to hire us to fix the damage done by a non-attorney paralegal or an incompetent attorney. Sometimes the damage is irreparable. And even the damage that can be corrected most time involves expensive lawsuits (called adversary proceedings) in the Bankruptcy Court.
When an event like this occurs, the total amount you end up paying usually exceeds what you would have paid if you’d gone with the proper experienced lawyer in the first place.
You must pass a means test concerning your income in order to qualify for Chapter 7. We understand precisely how the bankruptcy court defines income and the analysis the court will employ. We know exactly and precisely how to determine whether you qualify for this filing.
Chapter 13 may be a better option if you do not qualify for Chapter 7 bankruptcy. This chapter can be very complicated and you will definitely need experienced legal help.
Chapter 11 could be the right avenue for both married couples and individuals who do not qualify for Chapter 7 or Chapter 13, especially if several properties are involved in the case. You don’t have to give up all of your possessions in order to get relief from your debt. We work with you to properly plan for a filing so that we can secure asset protection through the bankruptcy process.
Chapter 11 could be the right choice if you are a business owner and you desire not to shut the business down in a Chapter 7. Chapter 11 involves a reorganization that can, at times, re-establish a business that has been having problems.
Regardless of which chapter, if any, is right for you, there are deadlines that must be met in order to qualify for debt relief and prevent actions such as foreclosure and wage garnishment. You need an attorney who is well-versed in the time constraints at play and who can ensure that your filing is done properly every step of the way.