How long will a Chapter 7 Bankruptcy stay on my credit report?

If you file a Chapter 7 Bankruptcy in California, the Chapter 7 Bankruptcy will appear on your credit report for ten years.  This does not mean that you will begin to obtain credit after the ten years have passed.  On the contrary, once your bankruptcy is discharged (which typically takes approximately four to five months from the date […]

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Chapter 7 Bankruptcy Process in California

The following is the process of filing a Chapter 7 Bankruptcy in California: Step 1:  Complete your credit counseling course and obtain your credit counseling certificate Step 2:  File your Chapter 7 Bankruptcy.  Make sure you include your credit counseling certificate with your bankruptcy petition and schedules Step 3:  Mail your most recent filed tax returns to your assigned Chapter 7 Trustee […]

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What you should do if you are injured in an auto accident?

Obtain the other driver’s name, address, date of birth, driver’s license number, telephone number, and the name of their insurance company. Obtain the year, make, model, and license plate number of the other driver’s vehicle. Obtain the registered owner’s name, address, telephone number, and insurance company information if the driver of the vehicle is not […]

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What is Debt Settlement?

Debt-settlement is an option for a person who does not qualify for a Chapter 7 bankruptcy, does not want to file Chapter 13 bankruptcy, or does not want to pay the full amount owed to their creditors. The Girgis Law Firm offers the option of debt-settlement to clients who have lump sum of cash available […]

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Should I file Chapter 7 or Chapter 13 Bankruptcy?

Debt relief under the Bankruptcy Code may be an option for you if: buying cigarettes online 1. Your house is being foreclosed upon. Filing a Chapter 7 bankruptcy may provide you with an additional amount of time you may need in order to pack up your belongings to prepare for your transition from mortgage payments to […]

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What is Chapter 13 Bankruptcy?

There are many reasons why you would decide to file a Chapter 13 bankruptcy instead of a Chapter 7 bankruptcy. Some of those reasons may be: You do not qualify for a Chapter 7 bankruptcy due to your high income You want to save your house from foreclosure You want to save your car from […]

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Four things you need to file Chapter 7 Bankruptcy in California.

Before Girgis Law Firm can begin moving forward with filing a Chapter 7 Bankruptcy in California, here is the list of four things you will need to have ready to review: Your pay stubs for the last six months (if applicable). Your most recent creditor statements (i.e. credit card bills, medical bills, loan statements, etc.). […]

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What is California Chapter 7 Bankruptcy?

The main purpose of a Chapter 7 bankruptcy is to provide you with a “fresh start” from most of your debts. Some of the types of debts that may be eliminated in a Chapter 7 bankruptcy are: Credit Card Debts Medical Bills Personal Loans Deficiency Balance Owed on a Repossessed Vehicle A prime candidate for […]

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