Bankruptcy Law

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Bankruptcy Law

California Bankruptcy Lawyers

Struggling With Debt? We Can help!

Financial challenges can happen to anyone, and the stress of debt can quickly feel overwhelming. At JTN Law, we help individuals and businesses understand their options and take control of their financial future through bankruptcy relief.

We handle the most common types of personal bankruptcy:

Chapter 7 Bankruptcy – Often called “liquidation bankruptcy,” this process can eliminate qualifying debts and give you a fresh start.
Chapter 13 Bankruptcy – A structured repayment plan that allows you to keep your assets while paying back debts over time.

Every situation is unique. We take the time to review your finances, explain your legal options, and recommend the path that best fits your circumstances. Our goal is to protect your rights, help you keep as much as possible, and set you up for long-term stability.

What You Can Expect from JTN Law

Clear, Practical Advice – We explain your options in plain language so you can make confident decisions about your future.
Support Every Step of the Way – From your first consultation through filing and resolution, we handle the details and guide you through each stage of the process.
Respect and Compassion – We understand how stressful this process can be. You can count on us to treat you with understanding and respond quickly to your questions.

Start Taking Control Today

If you are considering bankruptcy, speaking with an experienced attorney can make all the difference. Contact JTN Law today to schedule a consultation and learn how we can help you find relief and move forward with confidence.

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Chapter 7 Bankruptcy

Chapter 7 bankruptcy can discharge many unsecured debts such as credit cards, medical bills, and personal loans, giving you a clean slate to rebuild your finances. We guide you through the eligibility process, protect your rights, and help you keep as much as possible while moving toward financial freedom.

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Chapter 13 Bankruptcy

Chapter 13 bankruptcy allows you to reorganize your debts into a structured repayment plan, often reducing what you owe and stopping foreclosure or repossession. We work with you to design a plan you can afford while protecting your assets and setting you up for long-term stability.

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Frequently Asked Questions

Can all debts be discharged through bankruptcy?

Not all debts can be discharged through bankruptcy. Debts such as child support, alimony, most student loans, and certain tax obligations are generally not dischargeable.

How do I know if I qualify for bankruptcy?

Qualifying for bankruptcy depends on various factors, including your income, expenses, and the type of debts you have.

Should I hire a bankruptcy attorney?

While not required, hiring a bankruptcy attorney can help guide you through the complex bankruptcy process, ensure your rights are protected, and increase your chances of a successful outcome.

Remember, these answers are general in nature and should not be considered legal advice. It’s crucial to consult with a qualified bankruptcy attorney to discuss your specific situation.

What are the different types of bankruptcy?

The most common types of bankruptcy for individuals are Chapter 7 and Chapter 13. Chapter 7 allows for the discharge of certain debts, while Chapter 13 involves creating a repayment plan to pay off debts over time.

What is bankruptcy?

Bankruptcy is a legal process that helps individuals or businesses who cannot pay their debts to get a fresh financial start by eliminating or repaying their debts under the protection of the bankruptcy court.

Will I lose all my possessions if I file for bankruptcy?

The type of bankruptcy you file will determine whether you may need to liquidate assets to pay off debts. In Chapter 7, non-exempt assets may be sold, while Chapter 13 allows you to keep your property and repay debts over time.

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