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Find a Sonoma County Bankruptcy Lawyer
There is an area of law known as bankruptcy law, which encapsulates a broad range of legal matters, most of which deal, in some manner, with laws that involve bankruptcy issues in Sonoma County. Bankruptcy law addresses topics like foreclosure defense and all of the legal issues that accompany these matters.
Issues involving bankruptcy law are often emotionally charged and difficult. An attorney will be able to provide assistance during what may be difficult times. Bankruptcy law issues may also be complex and can involve many different subcategories of law. For example, bankruptcy cases can include other issues such as foreclosure and garnishments.
A bankruptcy lawyer often specializes in an subcategory of bankruptcy law, that can include business bankruptcies, personal bankruptcies, or foreclosure defense. Even if attorneys specialize in an area of bankruptcy law, they are trained to handle any issues that are related to the claim.
Locating The Right Bankruptcy Law Attorneys Within Sonoma County
There are several subcategories within bankruptcy law. The categories include issues related to debt, issues related to foreclosure, and other issues that are related to the bankruptcy. In certain cases, issues from more than one subcategory of bankruptcy law are involved.
There are many legal issues which may come up in connection with filing for bankruptcy. First, it is essential for a person to decide whether or not bankruptcy is the right choice for them. Once an individual determines bankruptcy is the best choice, they must decide what chapter to file. Chapter 7, Chapter 13, and Chapter 11 are the three most common chapters. An individual can be able to come to agreements with creditors instead of having to file for bankruptcy.
Bankruptcies can be very complex and often involve multiple subcategories of bankruptcy law. A bankruptcy lawyer can help to protect their client’s rights during their bankruptcy proceedings. A bankruptcy law attorney is also able to assist the individual in drafting a resolution which includes those matters which the parties are able to agree.
Chapter 7 bankruptcies and Chapter 13 bankruptcies are for a debtor who cannot afford their debts. Chapter 7 bankruptcies are called liquidation bankruptcies and will require the individual to give up their property, although there are some exceptions. Chapter 13 bankruptcies are for debtors who desire to retain their property, or for debtors who have too much property or income for Chapter 7. This chapter also requires the individual to repay their debts using a repayment plan.
Chapter 11 bankruptcy, also called reorganization bankruptcy, is usually filed for a business. It may also be used by an individual. A Chapter 11 bankruptcy allows the business to reorganize so that it can pay off its debt and continue operating. Although the business does not have to give up property, it is still required to repay its debt, with certain exceptions.
A common legal issue which arises during a bankruptcy proceeding is harassment from creditors. After an individual files for bankruptcy, a creditor cannot attempt to collect on the debt. Federal laws exist which protect individuals from creditor harassment. If an individual is experiencing harassment from a creditor, they should consult with a bankruptcy attorney to determine their options.
Do I Need to Get in Touch With Sonoma County Bankruptcy Law Attorneys for My Case?
Having a bankruptcy attorney assisting with your bankruptcy law issue is extremely helpful. Your attorney can ensure that your rights are protected during what can be a difficult time. LegalMatch provides you with a matching service that is free. It allows you to share your legal issue with bankruptcy lawyers and choose which one best suits your needs.