Best Bankruptcy Lawyers in Gardena, CA

Absolutely. At Westgate Law, we are not done working with you until your credit improves. We believe that life after filing bankruptcy is just as important as the filing itself. Most everyone knew how to start getting credit, but credit after bankruptcy can be tricky. You need to make sure you build a positive post-filing credit file.

Absolutely. We receive phone calls all the time from clients needing some documents to provide the mortgage lender during the loan application process. In general, lenders want to see that your case has been discharged as least two years ago and that you have established a positive post-filing credit profile. Westgate Law will be there with you to re-establish that excellent credit score.

It is fair to say that creditors do not object in the vast majority of cases. The most common reasons a creditor objects are for excessive credit card use in the months leading up to the filing or other forms of fraud. Even in those cases, you will likely still eliminate the vast majority of your debt and only be responsible to pay back a portion of the debt included in your bankruptcy petition.

Usually, you will want at least $7,000 or more of unsecured debt. Anything less may still be a reason to file, but you should also explore other alternatives. Every case is different. So you may have $20,000 or more in debt, but may have the ability to pay back the debt on a monthly basis. This could be an alternative to filing.

Absolutely. You do need to disclose whether you are in the process, likely to begin the process or considering whether to begin the process of suing someone for money. Whether it is from a business dispute or personal injury claim, this is an asset of your bankruptcy estate and must be listed. Failure to list the potential claim could result in an inability for you to pursue the claim after your case is over or could result in the loss of the claim entirely.