Chino Bankruptcy Attorney
Law Offices of David R. Gunnin
(909) 590-4648
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The Bankruptcy Process

Find out more about filing for bankruptcy.

Thousands of Americans every year consider declaring bankruptcy when overwhelmed by significant financial hardship. Unfortunately, many of them feel intimidated by the complexity and worried about the stigma that comes with bankruptcy. The Law Offices of David R. Gunnin have represented clients in the area of bankruptcy, both business and individual, for 34 years. Our experienced team can put bankruptcy law in terms you understand, and will stand by you throughout the process.

Understanding Bankruptcy Basics

When dealing with personal debt, there are usually only two types of bankruptcy options: Chapter 7 and Chapter 13. With Chapter 7 bankruptcy, you basically get a completely new start. The court essentially erases all your debt from the records. This does not come without costs, however. For example, you may be required to sell off all that you own to pay as much as you can to your creditors. This can include property, personal belongings, and other assets. Fortunately, most people lose nothing other than debt.

On the other hand, Chapter 13 bankruptcy is a less severe approach. It typically involves a court-approved payment plan to honor your debts over a three-to-five year period of time. Depending on the court ruling, you will have to pay back approximately 30 to 50 percent of what you owe during that timeframe. However, you will be permitted to hold on to certain types of personal property.

Explore Your Debt Relief Options

Reform laws enacted in 2005 have made it more difficult to file for bankruptcy in recent years. While that has stopped many from trying, don't let it stop you. With the help of the Law Offices of David R. Gunnin, you can pursue bankruptcy or another debt relief solution that allows you to move past your financial crisis and start fresh. Whatever option is best for your specific situation, you can be sure we will provide you with knowledgeable legal counsel from beginning to end. Get started today with a free case evaluation.

Contact us today.

Law Offices of David R. Gunnin - Chino Bankruptcy Attorney
Located at 3600 Lime Street, Suite 311 Riverside, CA 92501. View Map
Phone: (909) 590-4648
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