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FIND OUT WHAT DEBTS ARE DISCHARGEABLE

El Cajon Bankruptcy Attorneys: 92019, El Cajon 92020, El Cajon 92021, El Cajon 92022, El Cajon 92090

Chapter 7, Chapter 13 Bankruptcy

Bankruptcy Law Office Located Minutes from you. There are 17 cities within 15 miles of my bankruptcy law office. You will spend less time traveling to my office than finding parking and then walking to your appointment in San Diego. Plus you will not be treated like a bankruptcy number.

Call Bankruptcy Attorney, David Casey,

Office Location: 365 Broadway, Suite 203

El Cajon, California

(619) 447-6780

Map to Bankruptcy Law office Click here

When you come into my office you will not be treated like a number. For over 20 years I have given personal service to my clients in El Cajon and the entire County of San Diego. My law office is not a bankruptcy mill. We just don't just file and hope for the best. We do a pre-bankruptcy review at no extra cost. We are honest and upfront about bankruptcy fees and costs.

Not All Debts Are Dischargeable In Bankruptcy. See List of Discharge Debts

Welcome to: "Bankruptcy Debts Can Discharge & Debts Not Dischargeable"

Chapter 13, Chapter 7 Bankruptcy

Some Debts Are Non-Dischargeable.

There are debts that are dischargeable in bankruptcy. Below is a list of Non- Dischargeable debts. As with anything on the internet, but sure to check with your attorney for the latest update. Not enough money to pay your bills! Get a fresh start bankruptcy.

Debts which are not discharged include the following debts:

1. Alimony and child support. Support obligations that are past due can not be discharged.

2. Certain taxes. (Most taxes can NOT be discharged: Federal, state and municipal taxes that became due within the last three years. Soon taxes over three years old can be under some circumstances.

Can’t discharge taxes if you have not filed the return either.

3. Debts for certain educational benefit (Student Loans);

There is an exception to this rule. Although there is a general policy not to discharge student loan debt, for hardship or particular circumstances it may be dischargeable. Most of the time the court does not discharge the student loan debts.

4. Overpayments or loans made or guaranteed by a governmental unit;

5. Debts for willful and malicious injury by the debtor to another entity;

6. or to the property of another entity;

7. Debts for death or personal injury caused by the debtor's operation of a motor vehicle while the debtor was intoxicated from alcohol or other substances;

8. Debts for certain criminal restitution orders, 11 U.S.C. § 523(a); (These debts includes all court fees and court-ordered judgments related to any criminal activity cannot be discharged -- neither are any judgments or debts incurred as a result of personal injury or death to others caused by your own negligence or criminal activity). In other words if you commit a crime you can not discharge the fines or the debt relating to it.;

9. The debtor will continue to be liable for these types of debts to the extent that they are not paid in the chapter 7 case;

10. Debts for money or property obtained by false pretenses; this includes Fraudulent debts -- Any debt that the court finds was obtained fraudulently or illegally will not be discharged.

For example, if you ran up debt on a credit card shortly before filing bankruptcy (within 60 to 90 days of filing), the court will refuse to discharge that debt. In addition, if you have lied on a loan application to obtain funds the debt will not be dischargeable. -- that related debt will not be forgiven in bankruptcy. The good news more credit card company does not investigate the debts and if you been paying on the debt for a period of time prior to bankruptcy then the court would take that into consideration. Mistaking the information does not necessary means you were trying to be fraudulent.

11. Debts for fraud or defalcation while acting in a fiduciary capacity;

12. Debts for willful and malicious injury by the debtor to another entity or to the property of another entity will be discharged unless a creditor timely files and prevails in an action to have such debts declared non-dischargeable.

13. You can not incur Dischargeable debt to pay off non-dischargeable debt – An example of this would be to take a cash advance on a credit card to pay off last year's taxes or student loans, just so you can write it off in bankruptcy.

14. Alimony and child support payments (court-ordered) are not dischargeable. Also property settlements from a divorce are not dischargeable unless the other party agrees to it.. But your attorney fees from the divorce would be, but the attorney fees to the opposing attorney as for support would not.

If you have one or more of the items listed above you are not a good candidate for Chapter 7 bankruptcy. However you still could be for a Chapter 13 bankruptcy as long as you meet the requirement. Majority of the people do meet them as long as they have an earn income. To qualify for Chapter 13 bankruptcy, you must have an income that allows you to pay back your debts over a 3-5 year period.

What Debts Are Not Dischargeable in Bankruptcy. Not All Debts are Dischargeable.
When you come into my office you will not be treated like a number. For over 20 years I have given personal service to my clients in El Cajon and the entire County of San Diego. My law office is not a bankruptcy mill. We are honest and upfront about bankruptcy fees and costs.
Not All Debts Are Dischargeable In Bankruptcy. See List of Discharge Debts.

Office Location: 365 Broadway, Suite 203

El Cajon, California, 92021

(619) 447-6780

Call (619) 447-6780 for all of your options including bankruptcy.

See dischargeable debts list.

If you live in San Diego County please don't hesitate to give me a call to get your bankruptcy started.

Your money problems are not going to go away on their own. We will stop the creditor calls and harassment. Even if you have a judgment against you or wage garnishment we can stop most of them. Filing for Bankruptcy is a major and important decision that in many cases improves your credit rating and ability to get credit. When you come into my office, you will notice we are not a bankruptcy mill but a professional law office that provides individual debt relief services. Services available from bankruptcy and even living trust preparation. Attorney Casey provides you with the time necessary to ensure that the bankruptcy process is managed in an effective manner. You will be advised and provided guidance when needed at every step in the bankruptcy process.

El Cajon, Let the Bankruptcy Laws Work For You!

Attorney Casey's philosophy is to treat every client with respect as we would expect to be treated if there was a change of events that affected our lives. The purpose of bankruptcy is to seek relief from your financial hardship, stop foreclosures, and put a stop to unreasonable creditors pursuant to the bankruptcy laws.

Common Questions and Answers About Bankruptcy - Click here

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.

Serving El Cajon, California and the Entire Diego East County in Consumer Debts Bankruptcy

In the last year, bankruptcy filings have increased 30% and in many areas of California it is much higher. The primary reason for filing personal bankruptcy is an unforeseen financial down turn, loss of savings and unable to borrow funds at a reasonable rate. You may have suffered from a loss of income. Not only that, greedy credit card companies raised their rates and minimum payments that pushed you way over the amount you have to pay on your debts. Many have had to incur unforeseen medical expenses, loss of employment, and even a death of a family member. It just hasn't been working out for you. So why keep burdening yourself, call today to check out your options!

David Casey, Attorney

Office Location: 365 Broadway, Suite 203

El Cajon, California

(619) 447-6780

(Note: This web site is for general information on bankruptcy - there is no inference that the Law Office of David Casey represents you in any way until a retainer and fee agreement is signed by you and attorney). Any documents drafted without coming into the law office or via the internet is considered in "Pro Per" and is solely based on your representation of the information you provide. Attorney Casey has been practicing Family Law since 1989 and has assisted individuals, couples and businesses with their bankruptcy needs.

Let the Bankruptcy Laws Work For You.

Stop Creditors! Call immediately!

El Cajon 92019, El Cajon 92020, El Cajon 92021, El Cajon 92022, El Cajon 92090

Call For Debt Relief Today!

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.

El Cajon Bankruptcy Attorneys: 92019, El Cajon 92020, El Cajon 92021, El Cajon 92022, El Cajon 92090

Welcome to: "Bankruptcy Debts Can Discharge & Debts Not Dischargeable"

Let the Bankruptcy laws work for you!

Stop Creditor's calls immediately through Bankruptcy!

Stop or Delay Foreclosures With a Chapter 13 and Chapter 7

Bankruptcy can get you a fresh start and relieve the stress of your financial problems.

Call today for a Free Phone Consultation! 619 447-6780