Debt Relief Through Bankruptcy
Bankruptcy Attorney Leonard J. Ackerman in San Diego, California
In the State of California, the number of people filing for consumer bankruptcy protection has steadily increased over the past several years, according to the American Bankruptcy Institute. Rising amounts of consumer debt, such as credit card debt and medical bills, combined with the poor shape of the housing market and the U.S. economy, have pushed many individuals and families to a point where making house and car payments and paying for everyday necessities is increasingly difficult.
Fortunately, filing for consumer bankruptcy protection is a responsible way for individuals and families to climb out from under the burden of debt. Chapter 7 and Chapter 13 bankruptcy may be able to help people who feel that they have reached a dead end and have no where to turn for help. Many people can begin rebuilding their credit almost immediately after filing and can be eligible for loans and other lines of credit within a couple of years.
At American Debt Relief, bankruptcy attorney Leonard J. Ackerman assists clients through the process of filing for bankruptcy and debt consolidation. He is one of the few bankruptcy attorneys in San Diego who have represented Chapter 13 trustees, Chapter 7 trustees, debtors and creditors. For over a decade, lawyer Len Ackerman has built a reputation among his peers in the legal community and among his former clients for representing debtors with integrity, advocacy and understanding.
Consumer Bankruptcy Protection and the Means Test
In October of 2005, new bankruptcy laws were passed that put in place new requirements for those individuals who wished to file for consumer bankruptcy protection. One of the most notable of these requirements is a means test that people are required to qualify through before they can file for Chapter 7 Bankruptcy. Many of our prospective clients worry that these laws will prevent them from filing for bankruptcy. In many cases, however, our clients do not have to take the means test because of their annual income is less than the threshold level.
American Debt Relief can help you understand the means test, and if you do have to qualify for bankruptcy, we will guide you through the process quickly and painlessly. Contact our firm to find out how bankruptcy can work for you.
Contact American Debt Relief today and Start Living Your Life Again
If you are facing rising amounts of debt and are worried about making house and car payments, bankruptcy may be the right decision for you. Contact us today and schedule an appointment for a free initial consultation where we will discuss your situation and the options available to help you get out of debt.
Our office is located across the street from Horton Plaza near Nordstrom's. Clients can get validated parking for up to three hours in the Horton Plaza lot. Call us at 619.573.6056 or toll free at 877.711.7084.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
