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If you want your appointment to be the most efficient use of your time and get detailed information as to if you qualify for debt relief, please bring with you the following documents if you have them.
* most recently filed federal tax return
* employment paystubs (6 months is preferred but 60 days or most recent works for first consultation)
* if self employed, profit and loss, or some method of bookkeeping that we could review for how much money you earn
* list of debts/creditors
* any lawsuits in the last year in which you are named
* mortgage statements

These items are not required for your meeting with Toby Shanner, however, if you have them, they might help you get the most out of your consultation.

The most common types of personal bankruptcy for individuals are Chapter 7 and Chapter 13. Corporations and other business forms often file under Chapter 7 or Chapter 11.

CHAPTER 7

In a Chapter 7 bankruptcy, the primary goal for the individual is to achieve a "fresh start," debt forgiveness and obtain a "Discharge." A Discharge is a legal document that prevents a debt from being collected on. As part of this process, the individual is also allowed to keep certain exempt property. Many individuals only own exempt property and will not have to surrender any property to the trustee.

Chapter 7 involves technical issues that Shanner & Associates can make easy to understand.

Click here to read more about using San Diego bankruptcy attorney to file Chapter 7

CHAPTER 13

In Chapter 13, the individual devotes some portion of his or her income to repaying creditors, generally over a period of three to five years. The amount of payment and the period of the repayment plan depend upon a variety of factors, including the value of the debtor's property and the amount of a debtor's income and expenses. Secured creditors may be entitled to greater payment than unsecured creditors. However, the interest rates paid through this system the court is usually much lower than if one were to try to pay off their credit cards, cars, and other debts on their own. Chapter 13 involves technical issues that Shanner & Associates can make easy to understand.

Click here to read more about using San Diego bankruptcy attorney to file Chapter 13

WHICH CHAPTER DO I FILE?

We hope that you feel comfortable to call our office and take advantage of a free consultation to discuss your options and which Chapter is right for you. We pride ourselves on a personal touch and relationship with our clients.

What to expect from your free consultation!
Click here to read.

Please call us today at 619.232.3057. We can help.

Estate planning is the process of accumulating and disposing of an estate to maximize the goals of the estate owner.
The various goals of estate planning include:

* making sure the greatest amount of the estate passes to the estate owner's intended beneficiaries
* paying the least amount of taxes
* avoiding or minimizing probate court involvement
* providing for and designating guardians for minor children
* planning for incapacity

Click here to read more about using a San Diego Estate Planning Attorney

We offer free consultations either via telephone, email or in person to help answer your legal questions.

* Estate Planning
* Probate Law
* Bankruptcy Chapters 7 and 13
* Stopping Foreclosure
* Debt Settlements
* Loan Workouts/Modifications

Please call us today at 619.232.3057

If you are considering Bankruptcy, and live in the San Diego area, then give Shanner & Associates a call for a free initial evaluation.