Redwood City Bankruptcy Lawyer
Schedule a FREE consultation with our Redwood City bankruptcy lawyer or Redwood City bankruptcy attorneys today and find out if bankruptcy is right for you. There are an endless number of circumstances to seek the help of a San Mateo bankruptcy attorney. The most common problem is burdensome debt. West Coast Bankruptcy Attorneys has two of the best San Mateo County bankruptcy attorneys in the bay area, Ryan C. Wood and Kitty J. Lin. Our Chapter 7 bankruptcy lawyers in Redwood City and Chapter 13 bankruptcy lawyers in Redwood City are ready to help you get the debt relief you deserve.
Ryan C. Wood and Kitty J. Lin have filed hundreds of consumer bankruptcy petitions with the Bankruptcy Court. In San Mateo County, it is important to retain an experienced bankruptcy lawyer. In 2005, Congress chose to revise the Bankruptcy Code in an attempt to make it more difficult for consumers to file for Chapter 7 bankruptcy and discharge all of their unsecured debt. Credit card companies made large campaign contributions and lobbied Congress in attempt to reduce the discharge of consumer debts and force consumers to file a Chapter 13 bankruptcy to pay back a portion of their debts. The result of the 2005 Bankruptcy Reform Act was to make the bankruptcy process more expensive and more complicated. Congress created what is called the “Means Test” to determine whether an individual or couple has the means to pay a portion of their debts to creditors back. The Means Tests is part of each bankruptcy petition filed with the Bankruptcy Court. Only an experienced bankruptcy attorney can determine whether you pass the Means Test and can file a Chapter 7 bankruptcy, or whether a Chapter 13 bankruptcy is necessary. The 2005 Bankruptcy Reform Act also created two courses that must be completed before a bankruptcy case can be discharged and closed. Before you can file your bankruptcy petition you must complete a Credit Counseling course with an approved provider. The Credit Counseling course can be completed over the internet in approximately an hour or two with a follow up phone call at the end. After your Chapter 13 bankruptcy or Chapter 7 bankruptcy petition is filed you must complete a Financial Management course. The Financial Management course can be completed over the internet also. The cost of these courses can range from $30-$50 for an individual and $60-$90 for a couple filing jointly.
By Ryan C. Wood