San Jose Bankruptcy Services

Life is unpredictable. Maybe you were recently laid off and now cannot make ends meet. Maybe an emergency required you to dip into your savings, and now your bills are stacking up. Many feel the drowning pressure of debt and financial hardship and often wonder if there is any relief to the stress. If this scenario sounds familiar to you, you can rest assured that you are not the only one suffering. At The Fuller Law Firm, PC, we have seen thousands of cases come through our San Jose offices and have represented clients in bankruptcy cases for more than 20 years. If you are considering bankruptcy, it is essential to know what is needed to begin the process. A San Jose bankruptcy attorney from The Fuller Law Firm, PC can help you better understand your current circumstances.

How Do I File for Bankruptcy?

To start filing for bankruptcy, you must first understand the components of your financial standing. The court will require gathering records of your employment history and income if you decide to file for bankruptcy after reviewing your financial circumstances with a San Jose bankruptcy lawyer from our firm.

You may be asked to provide additional documentation, which could include any of the following:

• Real estate debt
• Credit card debt
• Car payment expenses
• Tax return receipts
• Outstanding student loans
• Debt from a lawsuit
• Debt from a failed business venture

In preparation for your bankruptcy petition, you must provide detailed information on the above—also referred to as bankruptcy schedules—and consider your options with an attorney. Our firm understands each client is different, and bankruptcy may not be ideal for each individual. By speaking with an experienced bankruptcy lawyer from our firm, you can determine if or when you should consider filing. If bankruptcy is a legal possibility for you, we can help you determine the costs of court filing fees and the type of bankruptcy you should file. We can also help prepare you for Official Review and meet with creditors if need be.

Understanding Bankruptcy Chapters

Bankruptcy is a legal process that allows individuals and businesses to eliminate or reduce their debts and get a fresh financial start. At The Fuller Law Firm, we understand that bankruptcy can be a complex and overwhelming process. That's why we're here to help you navigate through the process and determine which bankruptcy chapter is right for you.

There are two common types of bankruptcy chapters:

• Chapter 7 Bankruptcy: Also known as "liquidation bankruptcy," allows individuals to discharge most unsecured debts and start anew. Eligibility for chapter 7 bankruptcy is based on a means test that considers your income and assets.
• Chapter 13 Bankruptcy: Also known as "reorganization bankruptcy," allows individuals to keep their assets and pay off their debts over a period of three to five years. Eligibility for chapter 13 bankruptcy is based on your income, debts, and assets.

Our San Jose bankruptcy lawyers will evaluate your unique financial situation and guide you through the bankruptcy process. We're committed to helping you achieve financial freedom and a fresh start. Contact us today to schedule a free consultation!

Our San Jose Bankruptcy Lawyers Do Things Differently!

At The Fuller Law Firm, PC, we don't try to hard-sell our clients, so you won't have to worry about us pressuring you to sign up with our firm. Our main goal is to help you understand your options. If we do not feel bankruptcy would be best for you after a thorough assessment of your financial situation, we will let you know. Every attorney on our team and every member of our staff genuinely cares about the well-being of the clients we represent. From your first consultation with a bankruptcy lawyer at our office to completing your case, you can rely on The Fuller Law Firm, PC for professional support and guidance.

We are committed to spending time with our clients to ensure they fully understand their case details. We provide each client with a detailed, customized list of the items we will need to prepare their petition. We then meet with them to explain the document in detail once they are ready to sign the bankruptcy petition.

Our support staff is also here to help, assisting with matters such as:

• Providing the case number to a client who requests it
• Updating the client of the time and date of their next meeting
• Faxing a copy of a petition to a client who needs it
• Preparing an authorization for the client to negotiate a mortgage modification

From Chapter 7 bankruptcy cases to foreclosure defense cases, The Fuller Law Firm, PC is ready to help you. We have been practicing bankruptcy law for more than two decades and we are prepared to put our experience to work for you. We proudly serve Oakland, San Jose, Salinas with first-rated bankruptcy services. 

Contact us today at (408) 465-4472 to schedule a free consultation with an Oakland bankruptcy attorney!