Practice area
Consumer Bankruptcy Guidance
Bankruptcy may offer relief in some circumstances, but it also has lasting legal and financial consequences. The firm advises individuals about selected Chapter 7 and Chapter 13 matters.
General information only. This page is not legal advice or a prediction about any matter.
Review the whole financial picture
When collection pressure and monthly obligations become difficult to manage, it helps to understand the options before making a major decision. Castaneda Law Group reviews selected consumer Chapter 7 and Chapter 13 matters in the context of your income, property, debts, and goals.
Matters the firm may review
- Questions about eligibility and whether Chapter 7 or Chapter 13 merits further review.
- Secured and unsecured obligations, available exemptions, and collection concerns.
- The possible consequences of filing and alternatives relevant to the individual situation.
How the firm can help
The consultation is an opportunity to discuss what you are trying to address and what concerns you most. The attorney can identify information needed for an assessment and explain issues that require closer attention. A recommendation depends on a complete review of the circumstances.
Preparing for a consultation
Prepare a list of creditors, approximate balances, assets, income sources, and recurring expenses. Have collection notices and any court papers available, and identify known dates. The office can arrange a secure method for financial records; do not include account or Social Security numbers in the website form.
Frequently asked questions
Which chapter applies?
That depends on income, assets, debts, goals, and other circumstances. Eligibility requires an individual review.
Will every debt be discharged?
No. Some obligations may not be dischargeable, and treatment varies by chapter and facts.
What documents are useful?
Income records, tax returns, account statements, loan documents, collection notices, and a list of assets and debts may be requested securely.