Bankruptcy Options in Santa Rosa, California
Dealing with the weight of large debt can cause severe strain on everyday life. Working with each client on a personal basis, the Law Offices of Julie S. Kurt offers relief from the pressure of credit card or other heavy debt.
Julie S. Kurt has served clients for more than 15 years as an attorney and paralegal. Her experience with Chapter 7 and Chapter 13 bankruptcy has leant her the knowledge needed to answer all of your questions regarding the process. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Contact Ms. Kurt by email to schedule a free consultation regarding your debt relief options. Clients can also call 707-523-1515 or toll-free at 888-279-2930 to set up an appointment.
Chapter 7 and Chapter 13
Chapter 7 and Chapter 13 bankruptcies have many differences.
During Chapter 7 filings, clients are able to liquidate assets to discharge their debt completely. However, what many people don't know is that certain assets, such as vehicles or primary homes, are exempt from liquidation in California. The first step in a Chapter 7 filing is a means test to determine whether the individual or couple qualifies for relief under chapter 7. If the individual or couple's combined income is in excess of certain thresholds, they may not be eligible for chapter 7 relief.
Chapter 13, on the other hand, offers restructuring of your debt, allowing for repayment at reduced rates over a 3-5 year term. Chapter 13 is often used by clients whose income is too high for Chapter 7, or who are looking to stop a foreclosure on their primary homes and want to pay back their arrears over time. Chapter 13 allows clients to negotiate with creditors to find satisfactory repayment terms and can provide the ability to pay down mortgages or back taxes during that time.
Each option can put an immediate end to harassing phone calls from creditors and bill collectors.
Frequently Asked Questions About Bankruptcy
How long does it take? Preparing for bankruptcy filings can take time. Much information is needed to get the job done right. Your court date will fall five weeks after the papers have been filed and your bankruptcy can be completed in as little as two to three months.
Will I lose my Property? Maintaining your assets truly depends on your individual circumstances. Many factors are taken into account including the type of bankruptcy to be filed, exemptions, if you own your home outright and if you have equity in your home.
How much will my bankruptcy cost? Fees vary on a case by case basis and depend on the intricacies of each case. Ms. Kurt will also work efficiently and diligently to keep lawyer fees from compounding your financial troubles.
What debts can I get relief from? Unsecured debts like credit cards, medical bills and deficiency mortgage balances can be relieved. Some debt, such as student loans and most tax debt, however, cannot be discharged.
What if I have more questions? Please feel free to contact Ms. Kurt's office. She is available to answer any questions you have and can schedule a complimentary consultation with you today.
The Law Offices of Julie S. Kurt
1400 North Dutton Avenue, Suite 19
Santa Rosa, CA 95401
Telephone: 707-523-1515 | Toll-Free: 888-279-2930
Fax: 707-523-3113
Map and Directions
The Law Offices of Julie S. Kurt represents bankruptcy clients in Santa Rosa, Petaluma, Cotati, Sebastopol, Windsor, Healdsburg, Cloverdale and Sonoma as well as residents of Sonoma County, Napa County, Lake County, Marin County, and Solano County. Julie also offers family law guidance in Sonoma and the surrounding counties.
