Bankruptcy Attorney | Chapter 7

Posted By : Eric Escamilla

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Earning less than what it costs to support yourself or your family may allow you to eliminate your unsecured debt. This includes debt from credit cards and personal loans, car repossessions or surrenders, medical bills, auto accidents or claims of former landlords. Tax debt, if old enough, can even be erased through a Chapter 7 bankruptcy.

Mortgages in a Chapter 7 can be wiped out from former foreclosures or, if you are surrendering your home, from your current residence.

The filing of a Chapter 7 also stops creditors from contacting you to collect the debt. Once filed, a Chapter 7 bankruptcy stops lawsuits, garnishments or any other collection tactics—including phone calls—your creditors can impose.

Through exemption laws, your personal property, including equity in homes and cars, can be protected.

Upon completion of your case, you will receive a discharge, legally eliminating your unsecured debt forever. You are given a fresh start.

About the Author

Attorney Eric P. Escamilla pursued his pre-law education at California State University, Fresno where he earned his Bachelor of Arts degree in History, where he was nominated as the Outstanding Graduating Senior by the CSUF History Department, and he also earned a minor in Economics. He was also a member of the Golden Key National Honor Society, and graduated Summa Cum Laude in 1996. Thereafter, he chose to stay in the Central Valley and attended the San Joaquin College of Law during which he completed an externship with the Honorable Dennis L. Beck, U.S. Magistrate for the Federal District Court in Fresno. Mr. Escamilla completed the 3 year Law Program and earned his Juris Doctorate degree in 1999. Mr. Escamilla is admitted to practice law in all of the Courts of the State of California as well as the Federal Courts of the Eastern and Central District of California. Mr. Escamilla and his highly trained full-time staff handle hundreds of criminal, bankruptcy and personal injury cases each year.