{"id":1448,"date":"2019-05-20T11:44:10","date_gmt":"2019-05-20T11:44:10","guid":{"rendered":"https:\/\/recoverylawgroup.com\/?p=1448"},"modified":"2025-08-21T11:16:38","modified_gmt":"2025-08-21T11:16:38","slug":"why-do-you-need-legal-guidance-for-filing-chapter-7-bankruptcy-in-los-angeles","status":"publish","type":"post","link":"https:\/\/recoverylawgroup.com\/staging_D\/why-do-you-need-legal-guidance-for-filing-chapter-7-bankruptcy-in-los-angeles\/","title":{"rendered":"Why Do You Need Legal Guidance for Filing Chapter 7 Bankruptcy in Los Angeles?"},"content":{"rendered":"<p style=\"text-align: justify;\">Sometimes, debt reorganization, repayment plans, etc. are not enough to get rid of the overwhelming debt accumulated by people. For such individuals, Chapter 7 bankruptcy is the only solution available. This type of bankruptcy is also known as liquidation bankruptcy, wherein the non-exempt property of the individual is sold off and the money so generated is distributed among creditors. After this, lawyers of Los Angeles based law firm <a style=\"color: blue;\" href=\"https:\/\/recoverylawgroup.com\/staging_D\/\">Recovery Law Group<\/a> clarify that any remaining debts are discharged.<\/p>\n<p style=\"text-align: justify;\">Considering the complexity of cases, it is vital that you consult adept bankruptcy lawyers to help you out in Chapter 7 bankruptcy filing. Many times, clients do not have any non-exempt assets, i.e. they get to keep all their property\/assets. The primary task of a bankruptcy attorney is to evaluate the debt, assets, as well as income of the debtor to find out whether Chapter 7 is indeed the best debt relief solution for them or they, should opt for Chapter 11 bankruptcy. Not every debtor can file for Chapter 7 bankruptcy as they are required to qualify a means test. In this test, the income of the debtor is assessed. In case it is below the state median, they can file for Chapter 7 bankruptcy. If it is above the mean income in the state, they need to undergo credit counseling with an approved agency.<\/p>\n<p style=\"text-align: justify;\"><strong>What Happens If You Qualify for Chapter 7 Bankruptcy?<\/strong><\/p>\n<p style=\"text-align: justify;\">If you are able to qualify the means test for Chapter 7, bankruptcy lawyers guide you through the entire process. In this particular bankruptcy, a court-appointed trustee gathers all non-exempt assets of the debtor and sells it. In the state of California, 2 sets of exemptions are available; California Code of Civil Procedure Sections 703 &amp; 704. At a time, the debtor can choose from either of the two sets in his\/ her bankruptcy case. Taking the help of your attorney can provide you the necessary guidance.<\/p>\n<p style=\"text-align: justify;\">Different assets that are exempted, either entirely or in part are listed below:<\/p>\n<ul style=\"text-align: justify;\">\n<li>Tools of trade<\/li>\n<li>Insurance policies<\/li>\n<li>Clothes and personal effects<\/li>\n<li>Jewelry<\/li>\n<li>Vehicle equity<\/li>\n<li>Homestead equity<\/li>\n<li>Ordinary household goods (appliances, furniture, )<\/li>\n<li>Retirement plans<\/li>\n<li>Worker compensation or any income generated from a personal injury claim<\/li>\n<li>Other assets<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Any assets apart from those listed above can be sold by the trustee and payments made to creditors as per the Bankruptcy Code. Any debt that remains after the liquidation of asset is discharged. However, it is important to remember that certain debts cannot be discharged. These include:<\/p>\n<ul style=\"text-align: justify;\">\n<li>Some Government taxes<\/li>\n<li>Spousal and child support<\/li>\n<li>Few Education loans<\/li>\n<li>Some criminal restitution debts<\/li>\n<li>Certain personal injury debts<\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><a style=\"color: blue;\" href=\"https:\/\/recoverylawgroup.com\/staging_D\/chapter-7-bankruptcy\/\">Chapter 7 bankruptcy<\/a> is an intricate process, however, with a skilled bankruptcy attorney by your side can make things relatively easy. The bankruptcy lawyers are adept at handling cases and can help you keep maximum assets, with bare minimum going for liquidation. Many times, debtors can keep all their assets while receiving a discharge simultaneously. It is important to have an honest conversation with your lawyer regarding your financial situation so that they can help devise legal ways for you to get a fresh start. Chapter 7 bankruptcy can be an excellent way to get rid of your debt problems and stop foreclosure, repossession, wage garnishment, bank levies as well as threatening phone calls from creditors.<\/p>\n\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f79-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"79\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/staging_D\/wp-json\/wp\/v2\/posts\/1448#wpcf7-f79-o1\" method=\"post\" class=\"wpcf7-form init cf7mls-no-scroll cf7mls-no-moving-animation\" aria-label=\"Contact form\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"79\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.6\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f79-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"uacf7-form-wrapper-container uacf7-form-79  \"><div class=\"full\">\n<div class=\"half\">\n<span class=\"wpcf7-form-control-wrap\" data-name=\"first-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"First Name\" value=\"\" type=\"text\" name=\"first-name\" \/><\/span>\n<\/div>\n<div class=\"half\">\n<span class=\"wpcf7-form-control-wrap\" data-name=\"last-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Last Name\" value=\"\" type=\"text\" name=\"last-name\" \/><\/span>\n<\/div>\n<div class=\"half\">\n<span class=\"wpcf7-form-control-wrap\" data-name=\"phone-no\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone Number\" value=\"\" type=\"text\" name=\"phone-no\" \/><\/span>\n<\/div>\n<div class=\"half\">\n<span class=\"wpcf7-form-control-wrap\" data-name=\"zip-code\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Zip Code\" value=\"\" type=\"text\" name=\"zip-code\" \/><\/span>\n<\/div>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Email Address\" value=\"\" type=\"email\" name=\"your-email\" \/><\/span>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required\" id=\"condition-detail\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Your Message\" name=\"your-message\"><\/textarea><\/span>\n<div class=\"fully\">\n<input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Submit\" \/>\n<\/div>\n<\/div><\/div><div class=\"fusion-alert alert custom alert-custom fusion-alert-center wpcf7-response-output fusion-alert-capitalize awb-alert-native-link-color alert-dismissable awb-alert-close-boxed\" style=\"--awb-border-size:1px;--awb-border-top-left-radius:0px;--awb-border-top-right-radius:0px;--awb-border-bottom-left-radius:0px;--awb-border-bottom-right-radius:0px;\" role=\"alert\"><div class=\"fusion-alert-content-wrapper\"><span class=\"fusion-alert-content\"><\/span><\/div><button type=\"button\" class=\"close toggle-alert\" data-dismiss=\"alert\" aria-label=\"Close\">&times;<\/button><\/div>\n<\/form>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Sometimes, debt reorganization, repayment plans, etc. are not enough to get rid of the overwhelming debt accumulated by people. For such individuals, Chapter 7 bankruptcy is the only solution available. This type of bankruptcy is also known as liquidation bankruptcy, wherein the non-exempt property of the individual is sold off and the money so generated is distributed among creditors. After this, lawyers of Los Angeles based law firm Recovery Law Group clarify that any remaining debts are discharged. Considering the complexity of cases, it is vital that you consult adept bankruptcy lawyers to help you out in Chapter  [&#8230;]<\/p>\n","protected":false},"author":1,"featured_media":1451,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[32],"tags":[106,75,206,130],"class_list":["post-1448","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-chapter-7-bankruptcy","tag-bankruptcy-chapter-7","tag-chapter-7-bankruptcy","tag-qualify-for-chapter-7-bankruptcy","tag-wage-garnishment"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Filing Chapter 7 Bankruptcy in Los Angeles<\/title>\n<meta name=\"description\" content=\"Know more about why do you need legal guidance for filing chapter 7 bankruptcy in Los Angeles and what happens If you qualify.\" \/>\n<meta name=\"robots\" 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