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Chapter 7 or Chapter 13–Part 2 (Hint: West Covina bankruptcy attorney David Lozano is here to provide advice!)

I said in my last post that Chapter 7 bankruptcy is harder to qualify for than Chapter 13. But what if you qualify for both? Which should you choose?

This is why West Covina bankruptcy attorney David Lozano is here–to help you make the right choice!

The key to deciding which bankruptcy claim is right for you comes down to the specifics of your unique circumstances. Chapter 7 and Chapter 13 were designed to be compatible with the common circumstances seen in bankruptcy, so it’s simply a matter of selecting the best fit if you qualify for both. It’s kind of like choosing which pair of jeans to wear. Sure, they both get the job done, but only one of them makes the cut when you want to look your best–or get your finances and life in order!

Some things to take into consideration when choosing the best bankruptcy plan for you include what kind of assets, mortgage loan or car payments you have. Are you responsible for any dependent children? Is there a divorce involved? Another important question to ask yourself is whether you are simply behind on your bills and need a little bit of leeway in order to catch up. The factors are numerous, but together we will figure it all out.

Depending on these and many other circumstances, Chapter 7 or Chapter 13 may be just the solution you’re looking for! You’ve probably been financially responsible all your life and just got hit with medical bills or got laid off unexpectedly. Whatever the reason, filing bankruptcy provides the means to get back on track with a fresh start!

David Lozano, Attorney at Law
Contact me today for a free consultation
800-974-5680/Se habla español

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