San Bernardino Bankruptcy Frequently Asked Questions (FAQ)

Can filing for bankruptcy really help my situation?

If you are behind on your bills, are being harassed by creditors, are being threatened with wage garnishment, bank levies, or repossessions, filing for bankruptcy can definitely help your situation. No two individuals are the same, and no two San Bernardino bankruptcy cases are the same, but the relief offered by fling a bankruptcy is immediate – all collection activity will stop and you will be able to get the courts to intervene on your behalf when it comes to settling debts.

What if I need immediate intervention, can bankruptcy still help?

If you need an immediate court intervention, whether it’s to stop repossession, foreclosure, or wage garnishment, an emergency filing can help you get the relief from creditors you need, while still giving you a chance to properly file for bankruptcy. Talk to us about your San Bernardino County Bankruptcy needs and let us set the filing in motion for you ASAP!

If I file for bankruptcy, will I lose all of my possessions?

No! Even if you file for Chapter 7 bankruptcy, you will be able to keep some, or possibly even all of your possessions. There are certain types of possessions that are exempt from Chapter 7 liquidation. Likewise, the bankruptcy trustee may choose not to sell a particular item if it would be too costly to store or move, or if it wouldn’t fetch a reasonable price compared to the expense of selling it. How much of your property might be sold to cover your bankruptcy depends upon your unique circumstances. Contact our San Bernardino County Bankruptcy Law Firm to discuss your case and find out more.

Can I be fired if I file for bankruptcy?

Absolutely not – in fact, the law prohibits employers from firing an individual just because he or she files for bankruptcy. If your employer fires you as a result of your bankruptcy, you have legal cause to sue and you may be able to recover damages as a result.

Will filing for bankruptcy ruin my credit?

In the long run, filing for bankruptcy can actually improve your credit. Keep in mind, if you are behind on your mortgage, car payments, credit cards, or other financial obligations, your credit is already damaged. Filing for a San Bernardino Bankruptcy will allow you to make a fresh start, and if you take steps to rebuild your credit once your debts have been discharged, a bankruptcy can help you improve your credit score overall.

Do I have to have an Attorney to file for Bankruptcy?

Having an attorney is not a requirement to file for bankruptcy. However, going it alone could cost you more in the long run, as bankruptcy laws are complex, and the filing requirements can be daunting for an individual who isn’t experienced with San Bernardino Bankruptcy Law. Having an attorney who specializes in San Bernardino Bankruptcy Law will ensure that your filing is done correctly on time, the first time, so that you can get the financial relief you deserve.