{"id":446,"date":"2024-06-18T14:46:32","date_gmt":"2024-06-18T14:46:32","guid":{"rendered":"https:\/\/www.cianchetta.com\/practice-areas\/bankruptcy\/bankruptcy-advantages\/"},"modified":"2024-11-12T13:24:29","modified_gmt":"2024-11-12T21:24:29","slug":"bankruptcy-advantages","status":"publish","type":"page","link":"https:\/\/www.cianchetta.com\/es\/practice-areas\/bankruptcy\/bankruptcy-advantages\/","title":{"rendered":"Bankruptcy Advantages"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"446\" class=\"elementor elementor-446\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bbb10e e-flex e-con-boxed e-con e-parent\" data-id=\"bbb10e\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-466ebf02 elementor-widget elementor-widget-spacer\" 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xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M224.3 273l-136 136c-9.4 9.4-24.6 9.4-33.9 0l-22.6-22.6c-9.4-9.4-9.4-24.6 0-33.9l96.4-96.4-96.4-96.4c-9.4-9.4-9.4-24.6 0-33.9L54.3 103c9.4-9.4 24.6-9.4 33.9 0l136 136c9.5 9.4 9.5 24.6.1 34z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Ley de Veteranos<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b772f9e elementor-widget elementor-widget-template\" data-id=\"b772f9e\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"2343\" class=\"elementor elementor-2343\" 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src=\"https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/businessman-and-lawyer-discuss-the-contract-document-treaty-of-the-law-sign-a-contract-business--1024x564.jpg\" class=\"attachment-large size-large wp-image-781\" alt=\"Businessman and lawyer discuss the contract document. Treaty of the law. Sign a contract business.\" srcset=\"https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/businessman-and-lawyer-discuss-the-contract-document-treaty-of-the-law-sign-a-contract-business--1024x564.jpg 1024w, https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/businessman-and-lawyer-discuss-the-contract-document-treaty-of-the-law-sign-a-contract-business--300x165.jpg 300w, https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/businessman-and-lawyer-discuss-the-contract-document-treaty-of-the-law-sign-a-contract-business--768x423.jpg 768w, https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/businessman-and-lawyer-discuss-the-contract-document-treaty-of-the-law-sign-a-contract-business--1536x846.jpg 1536w, https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/businessman-and-lawyer-discuss-the-contract-document-treaty-of-the-law-sign-a-contract-business-.jpg 2000w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1375bb34 elementor-widget elementor-widget-heading\" data-id=\"1375bb34\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bankruptcy Advantages<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c46c9b0 elementor-widget elementor-widget-text-editor\" data-id=\"6c46c9b0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"ContentWrapper__Section-sc-s1s3ta-0 ivPQSY\"><div class=\"Content__Component-sc-hqrafu-1 jzrwaK\"><h4>Why Is Bankruptcy A Good Choice To Eliminate Your Debts?<\/h4><p><a href=\"https:\/\/www.cianchetta.com\/es\/practice-areas\/bankruptcy\/\">Quiebra<\/a>\u00a0is a good choice to eliminate your debts when you cannot afford to pay your debts off because it\u2019s like hitting the reset button and starting over financially. After\u00a0filing for bankruptcy, all your credit history will restart, and if you have a vehicle or home loan that you keep through the bankruptcy, it will help you recover from your debt faster. The Court often refers to it as a \u201cfresh start\u201d.<\/p><h4>How Do You Qualify To File Bankruptcy?<\/h4><p>There are several factors that determine whether you qualify for bankruptcy. One of these factors is your monthly income in proportion to your family size. Congress has designed a means\u00a0<a href=\"https:\/\/www.uscourts.gov\/forms\/means-test-forms\/chapter-7-means-test-calculation\" target=\"_blank\" rel=\"noreferrer noopener\">test<\/a>\u00a0to determine whether an individual is qualified for a\u00a0<a href=\"https:\/\/www.cianchetta.com\/es\/practice-areas\/bankruptcy\/california-chapter-7-bankruptcy\/\">Chapter 7 bankruptcy<\/a>. The court will examine your income, your housing costs, family size, and overall secured debt. If you do not qualify for a Chapter 7 bankruptcy, you may still qualify for a\u00a0<a href=\"https:\/\/www.cianchetta.com\/es\/practice-areas\/bankruptcy\/california-chapter-13-bankruptcy\/\">Chapter 13<\/a>, as long as you don\u2019t exceed the debt limits. Another way to qualify for bankruptcy is if your debts are non-consumer debts, such as student loans, income taxes, excise taxes, business debt, and more non-consumer debts, if the non-consumer debts exceed the consumer debts, then no means test is required.<\/p><h4>Will Filing For Bankruptcy Eventually Improve My Credit Score?<\/h4><p>Almost every client we have filed bankruptcy for has improved their credit score after filing for bankruptcy. If you can\u2019t get a loan because you have too much credit card debt, filing bankruptcy will clear that data and will assist you in getting a loan in the future. Filing bankruptcy will clear your credit record and eliminate your debt. This will eventually boost your credit score, as it is heavily determined by a debt to income ratio.<\/p><h4>If I Can\u2019t Make Credit Card Payments Or Pay Bills, Should I File Bankruptcy?<\/h4><p>If you are struggling to pay your credit card payments, or can\u2019t afford to pay anything over the minimum payments, your debt will likely continue to rise, and filing for bankruptcy may be a good choice. If you look on the first page of your credit card bills, they state how many years it will take to pay off the credit card while making the minimum payment. Often this will let you know if bankruptcy is a good option for your situation.<\/p><h4>I Feel Guilty And Ashamed At The Thought Of Bankruptcy. Will Everyone Know If I File for Bankruptcy?<\/h4><p>There\u2019s no need to feel guilty or ashamed when filing for bankruptcy. Many famous people such as Walt Disney have filed for bankruptcy. President Trump\u2019s companies have filed for bankruptcy several times. Many creditors look at it as taking responsibility for your debts as opposed to just allowing all debts to default. In California, although bankruptcies are public record, they are not published in newspapers or other more easily-accessible media. Filing bankruptcy and becoming financially sound and productive is far better than suffering with out of control debt and not facing your situation.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3249674 e-con-full e-flex e-con e-child\" data-id=\"3249674\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-87bf055 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"87bf055\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-39bef71 elementor-widget elementor-widget-text-editor\" data-id=\"39bef71\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For more information on\u00a0<span style=\"font-weight: bolder;\">Eliminating Your Debts In California<\/span>, an\u00a0initial\u00a0<a style=\"background-color: #fbfcfe;\" href=\"https:\/\/www.cianchetta.com\/es\/contact\/\">consultation<\/a>\u00a0with an experienced California Bankruptcy Attorney is your next best step. Get the information and legal answers you are seeking by calling\u00a0<span style=\"font-weight: bolder;\"><a href=\"tel:9166857878\">(916) 685-7878<\/a>\u00a0<\/span>today.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Bankruptcy Advantages Why Is Bankruptcy A Good Choice To Eliminate Your Debts? Bankruptcy\u00a0is a good choice to eliminate your debts when you cannot afford to pay your debts off because it\u2019s like hitting the reset button and starting over financially. After\u00a0filing for bankruptcy, all your credit history will restart, and if you have a vehicle [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":444,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-446","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bankruptcy Advantages - Cianchetta and Associates<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cianchetta.com\/es\/practice-areas\/bankruptcy\/bankruptcy-advantages\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bankruptcy Advantages - Cianchetta and Associates\" \/>\n<meta property=\"og:description\" content=\"Bankruptcy Advantages Why Is Bankruptcy A Good Choice To Eliminate Your Debts? 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