Chapter 7

Experienced Chapter 7 Bankruptcy Lawyer

At the law office of Robert D. Zabik Attorney at Law in Elk Grove, I understand the challenges you face when you are struggling to pay your bills and feel overwhelmed with debt. Filing for Chapter 7 bankruptcy may help you get a fresh start but it is important to work with a skilled and experience attorney when considering your bankruptcy options.

Is Chapter 7 Bankruptcy Right For You?

A Chapter 7 bankruptcy filing can help you get out of debt and help you create a new financial start. Bankruptcy protection can be beneficial in many ways, including:

  • Discharge medical and credit card debt
  • Stop creditor harassment, including harassing phone calls

I can review your individual situation, explain all of your options and the process for filing bankruptcy. Chapter 7 bankruptcy is not for everyone. There are strict eligibility requirements that need to be met. I can help you along this complex journey to help you overcome your financial struggles.

During Chapter 7 bankruptcy, a trustee may collect and sell your nonexempt assets to your creditors. Under Chapter 7 bankruptcy, alimony, child support, student loans, fraudulent debts and certain taxes cannot be discharged.

Individuals must pass the California means test in order to be eligible for file for Chapter 7. If your income is higher than the median income in the state, you will have to pass the means test in order to file. If your income is too high and you do not pass the means test, you may be able to file Chapter 13 bankruptcy instead.

Will you lose all of your possessions? Many factors are considered and state law determines what possessions you can keep, including your home, vehicles, boats and other possessions. I have more than 15 years of experience handling bankruptcy claims and can explain how the law will impact your claim, including what possessions you may be able to keep.

Don’t try to handle your bankruptcy filing on your own. You need an experienced lawyer by your side to find the right solution to fit your needs.

Contact Me

I provide free initial consultations and offer discounts to veterans, firefighters and police officers. To schedule a consultation, call me at 916-229-6708 or contact me online.

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