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Chapter 7 Lawyer in Ventura

Filing for bankruptcy? We can help.

Due to a harsh economic environment, more and more consumers, homeowners, business owners, and other individuals are seeing financial hardships unlike anything before. If you are currently suffering with the burden of debt, do not think that you are alone.

Millions of Americans are filing for bankruptcy annually, but even more people are suffering financially without seeking the professional help they need. Our Ventura bankruptcy attorney has personally helped hundreds of clients in the community reach debt-free living through bankruptcy protection.

Our firm can handle:

About Chapter 7 Bankruptcy

Chapter 7 bankruptcy refers to the process of liquidating your assets and using the proceeds to eliminate your debt. Many consumers assume that Chapter 7 will mean they will lose their home or car, but certain property can be kept under California's exemption laws.

Filing for bankruptcy protection can help eliminate:

  • Credit card debt
  • Other secured debts

Our Ventura Chapter 7 bankruptcy attorney has handled hundreds of cases throughout the state of California, including appearances in all levels of State and Federal Courts. We are ready to stand at your side as you seek long-term financial stability and relief from debt.

Passing the Means Test

In order to qualify for Chapter 7, the courts will require that you pass what is called a "Means Test." Essentially, this test assesses your gross income and expenditures to determine your amount of leftover finances. Depending on your disposable income, you may or may not be eligible to file for Chapter 7.

There is light at the end of the tunnel. Contact the Law Offices of Janet L. Mertes and request a free case consultation to learn more.

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