Are you considering filing bankruptcy? If you’re considering filing Chapter 7 or Chapter 13, give me a call. I am David T. Egli, and I am an experienced Riverside bankruptcy attorney from The Law Office Of David T. Egli. I can help. Are past due letters and collection notices causing you stress? Are creditors harassing you with endless phone calls? Are your wages being garnished? Contact me for a bankruptcy consultation and let my over 28 years of experience take the stress out of the legal process for you.

You must never think that by declaring bankruptcy you are irresponsible or are ignoring your obligation to honor your debts. Today, bankruptcy is not a social disgrace, as it once was long ago. You have the right to file for bankruptcy, and that right is secured under federal law.

You are not alone in seeking relief. I have over 28 years of experience as a bankruptcy attorney, and I can help you. The federal government reports that 1,071,932 individuals filed bankruptcy in court during in 2013. Honestly, bankruptcy is the responsible thing to do, because by doing so, you are saving your family from financial ruin and possible homelessness.

Bankruptcy will free you from the stress and pressure over how you will pay your bills, the arguments over finances, and the constant struggle just to survive. You will get some breathing room, a fresh start, and be able to provide an acceptable standard of living for your loved ones.

In the current economic crisis, many businesses and individuals have filed for relief through bankruptcy. In this financially trying age, managing your money and debt is ardent and challenging. As a bankruptcy attorney, I will guide and advise you in your personal or business finances.

I am experienced and knowledgeable in providing assistance in the bankruptcy process. This knowledge and expertise comes from 28 years of experience in assisting residents and businesses in Riverside, CA. Today’s common issues with all matters of debt, trustee sales, foreclosures, wage garnishments, bank account and levies can all be managed by filing for bankruptcy protection.

The most common chapters of bankruptcies filed are Chapters 7 and 13 which are explained below:

Chapter 7 Bankruptcy – Chapter 7 bankruptcy is the most common filing. It is when you have insufficient income to pay your debts. If you qualify for Chapter 7, common debts are discharged and you will not be required to repay them. You may not be required to sell your home, your car, or any of your assets. The process is fairly quick, and you will usually receive your discharge in as little as four to six months. Upon filing, you will receive immediate relief from loan foreclosure on your home, rude and harassing creditor calls, lawsuits, evictions, wage garnishments, levies, and other collection effort attempts.

Chapter 13 Bankruptcy – Chapter 13 allows you to keep your home and car if you are in arrears with your payments. It may be the best choice if you have regular and steady income. Usually you will only have to pay back a part of certain debts over a period of time. You may also be able to have your second mortgage/home equity line of credit removed from your home and discharged.

For more information about Chapter 7 and Chapter 13 bankruptcy, please contact me, David T. Egli, at the Law Office Of David T. Egli, in Riverside, CA.