Legal Counsel for

Chapter 7 Bankruptcy

Free  Consultations 

Certified Bankruptcy Law Specialist

Over 30 Years of Experience

Let Us Discharge You of Your Debt

Sometimes situations beyond your control can profoundly impact your earning potential, and lead to overwhelming debt. If you find yourself unable to pay your bills, you may want to consider filing for bankruptcy. Designed to give debtors a fresh start, Chapter 7 bankruptcy gives you and your spouse relief from debts through liquidation of your assets. 

 
With more than 30 years of experience, we at Law Offices of Ronald E. Stadtmueller can help you file for Chapter 7 quickly and efficiently. Once you have filed for bankruptcy, creditors must immediately stop collection efforts, including harassing letters and phone calls. Contact us today to for a FREE one-hour consultation.

Means Test for Qualifying Debtors

To qualify for Chapter 7 bankruptcy relief, you must satisfy the court’s means test, which calculates your income and expenses compared to the median income in California. If you are not eligible for Chapter 7 bankruptcy, Chapter 13 may be available. Law Offices of Ronald E. Stadtmueller can help you determine whether you are eligible for Chapter 7 bankruptcy and if it is your best solution for dealing with your debts.

Liquidation of Assets and Quick Discharge of Some Debts

Liquidation means selling assets to satisfy as much of your debt as possible, before the court orders a discharge for the rest of your qualifying debt. However, the law includes many exemptions that allow you to preserve assets, such as your car, clothing, and tools of your trade.
We can help you determine which of your assets are eligible for exemption, so you can get the maximum protection under law. Upon conclusion of the bankruptcy proceedings, the court grants a discharge of your remaining debt, with some notable exceptions.
These include child support and alimony payments, student loans, recent back taxes, and court judgments, based on personal injury claims. We advise you about how much of your debt is dischargeable, so you can make an informed decision about whether to pursue Chapter 7 bankruptcy or not.

Preparing for Your Appointment With Our Attorney

To immediately begin analyzing your case, it is necessary that you provide us with certain information on your appointment with Law Offices of Ronald E. Stadtmueller. You need to bring the following:

  • A list of your creditors’ names, amount of each claim, and nature of the debt
  • Your employer’s name, your gross, and net income
  • Other sources of income, and amounts
  • A list of what you own, and estimates of the value of each item
  • A list of your monthly bills, and details of each expense
This information can help Law Offices of Ronald E. Stadtmueller provide an accurate assessment of whether Chapter 7 bankruptcy is appropriate for you or not.

Reach out to Us Today

Don’t continue to live under a cloud of unmanageable debt. Chapter 7 bankruptcy can quickly discharge your qualifying debt and give you a fresh start. Call us today or contact us online to schedule your bankruptcy consultation at any of our offices, at Rancho Bernardo, Mission Valley, San Marcos or La Jolla.

WHY YOU SHOULD CHOOSE

The Law Offices of Ronald E. Stadtmueller

 

  1. Fast Resolution & Real Debt Relief
  2. Free Consultation (Virtual and Phone)
  3. Certified Bankruptcy Law Specialist
  4. Current Chapter 7 Bankruptcy Trustee
  5. Former Chapter 13 Bankruptcy Trustee
  6. 30 Years of Legal Experience
  7. Responsive, Thorough, Understanding
  8. A+ Rating with the Better Business Bureau
  9. Military & Senior Discounts & Payment Plans
  10. Same Day Appointments Available

Learn More About

Law Offices of Ronald E. Stadtmueller