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Chapter 7

Ventura Chapter 7 Bankrupcty Attorney

Supportive Bankruptcy Firm in Ventura

Falling behind on payments can seem overwhelming – especially when you are being hounded by collectors and banks to quickly and efficiently repay the debts. If you are one of the millions of Americans that are feeling the strain of financial complications, it may be time to consider speaking with an attorney about bankruptcy.

At our of firm, the Law Offices of Janet L. Mertes, Attorney Mertes dedicates personal time to each client that we take on, and you can be confident that your future is in good hands. When you work with our Ventura Chapter 7 bankruptcy lawyer, we will discuss all options for overcoming debt and determine if Chapter 7 bankruptcy may be right for you.

In Chapter 7 bankruptcy, you may be able to:

  • Discharge all unsecured debts
  • Save your home from foreclosure
  • Stop wage garnishments
  • Stop repossession
  • Regain control of your credit
  • Regain control of your financial situation
  • Stop harassing creditor calls and collection attempts

Ready for your free case evaluation? Call us today!

Bankruptcy Means Test

Chapter 7 bankruptcy is different from Chapter 13, in that Chapter 7 is reserved for individuals that can no longer afford to make even minimal payments against their debts. Sometimes referred to as liquidation bankruptcy, Chapter 7 allows debtors to regain financial control through discharge of all unsecured debts; however, in order to be considered eligible for Chapter 7, you must first complete a means test. This test will prove that you are not financially sound. If you are not eligible for Chapter 7, you may still benefit from bankruptcy through filing for Chapter 13.

Contact the Law Offices of Janet L. Mertes!

Are you ready to learn more about your financial situation and how working with a Ventura bankruptcy lawyer may help you? If so, contact the Law Offices of Janet L. Mertes today and speak with a dedicated legal professional from our staff.

To get started, contact our Ventura Chapter 7 bankruptcy firm today and schedule a free consultation with our team.

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