{"id":460,"date":"2024-06-18T14:49:43","date_gmt":"2024-06-18T14:49:43","guid":{"rendered":"https:\/\/www.cianchetta.com\/practice-areas\/bankruptcy\/bankruptcy-and-creditors\/"},"modified":"2024-11-12T13:26:22","modified_gmt":"2024-11-12T21:26:22","slug":"bankruptcy-and-creditors","status":"publish","type":"page","link":"https:\/\/www.cianchetta.com\/es\/practice-areas\/bankruptcy\/bankruptcy-and-creditors\/","title":{"rendered":"Bankruptcy And Creditors"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"460\" class=\"elementor elementor-460\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2081bfca e-flex e-con-boxed e-con e-parent\" data-id=\"2081bfca\" 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-3a327565 elementor-widget elementor-widget-spacer\" 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Now<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<input type=\"hidden\" name=\"trp-form-language\" value=\"es\"\/><\/form>\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>\n\t\t<div class=\"elementor-element elementor-element-832245b e-con-full e-flex e-con e-child\" data-id=\"832245b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ff86666 elementor-widget elementor-widget-image\" data-id=\"4ff86666\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"533\" src=\"https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/bankruptcy-form-with-wooden-gavel-on-brown-wooden-table-1024x682.jpg\" class=\"attachment-large size-large wp-image-756\" alt=\"bankruptcy form with wooden gavel on brown wooden table\" srcset=\"https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/bankruptcy-form-with-wooden-gavel-on-brown-wooden-table-1024x682.jpg 1024w, https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/bankruptcy-form-with-wooden-gavel-on-brown-wooden-table-300x200.jpg 300w, https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/bankruptcy-form-with-wooden-gavel-on-brown-wooden-table-768x512.jpg 768w, https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/bankruptcy-form-with-wooden-gavel-on-brown-wooden-table-1536x1024.jpg 1536w, https:\/\/www.cianchetta.com\/wp-content\/uploads\/2024\/06\/bankruptcy-form-with-wooden-gavel-on-brown-wooden-table.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-56d07d95 elementor-widget elementor-widget-heading\" data-id=\"56d07d95\" 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 And Creditors<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b7803f9 elementor-widget elementor-widget-text-editor\" data-id=\"3b7803f9\" 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>Do I Have To File Bankruptcy On All The Creditors That I Owe?<\/h4><p>When you file\u00a0<a href=\"https:\/\/www.cianchetta.com\/es\/practice-areas\/bankruptcy\/\">bankruptcy<\/a>, you must and include all of the debts you owe, including all debts to credit cards, bank loans, and other common creditors. You must also include any debt to relatives or friends that you\u2019ve borrowed money from. All creditors must be listed on the\u00a0<a href=\"https:\/\/www.uscourts.gov\/forms\/bankruptcy-forms\/disclosure-compensation-bankruptcy-petition-preparer-0\" target=\"_blank\" rel=\"noreferrer noopener\">bankruptcy petition<\/a>, as you\u2019re not allowed to pick and choose which creditors you\u2019re filing bankruptcy against and which you are not. However, you are always able to pay creditors if you wish, such as friends or family.<\/p><h4>I\u2019m Afraid Of Losing My Vehicle By Filing For Bankruptcy. Is This The Right Choice For Me?<\/h4><p>You should not be afraid of losing your vehicle when filing for bankruptcy. You have the right to keep your vehicle and reaffirm the debt, redeem the vehicle, or in a\u00a0<a href=\"https:\/\/www.cianchetta.com\/es\/practice-areas\/bankruptcy\/california-chapter-13-bankruptcy\/\">Chapter 13<\/a>, pay for the vehicle through the Chapter 13 plan. Most auto loan lenders would rather have you make your payments than repossess the car and be forced to sell it, they are not in the business of selling used vehicles. If you file a Chapter 7 bankruptcy, you can keep the car and ask the creditor for a reaffirmation agreement, for which we typically negotiate an interest rate of 12% or lower, judges in our district will not approve such an agreement that exceeds 12% interest. If you attempt a reaffirmation and the Judge denies it, and you continue to pay for the vehicle, you may keep the vehicle. Another option is to redeem the vehicle for fair market value, which can save thousands of dollars off the original price of the vehicle, as a vehicle loses exponential value when it drives off the lot. However, if you cannot afford any of these options, you will lose possession of the vehicle, which would happen even without a bankruptcy filing.<\/p><h4>I Have A Lot Of Debt And Have Considered Bankruptcy. Should I First Try A Private Debt Consolidation Service?<\/h4><p>Many of my clients come to me after trying private debt consolidations services, they were sued because the private debt settlement company failed and they were forced to file bankruptcy. Many of these consolidation services require you to make monthly payments to them, even if they do not begin to resolve your debt right away. They may take months or even years to resolve your debt. Meanwhile, you still have to make monthly payments for their service, and you are exposed to being sued by the creditors.<\/p><p>Typically, a debt consolidation service is more expensive and lengthier than a bankruptcy, as you are required to pay their monthly fee and still owe payments to your creditors. Another reason I recommend bankruptcy over debt consolidation is that creditors have the right to refuse settling your debt, and unless you have filed for bankruptcy, they have a right to collect that debt from you, even through a lawsuit.<\/p><h4>Is Bankruptcy Really Difficult And Time-Consuming?<\/h4><p>Perhaps it is true that filing bankruptcy is time-consuming and a little bit onerous, but it\u2019s the first step in taking responsibility for your credit and debts. Developing a budget and reviewing your income are very important skills, and failing to do these things could prevent someone from achieving financial success or from a comfortable retirement. Therefore, although bankruptcy may be time-consuming, if you are in a difficult place financially and bankruptcy is a good option, it is worth the time and effort.<\/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-b583783 e-con-full e-flex e-con e-child\" data-id=\"b583783\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-509d87a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"509d87a\" 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-63a7e70 elementor-widget elementor-widget-text-editor\" data-id=\"63a7e70\" 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;\">Filing For Bankruptcy 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 And Creditors Do I Have To File Bankruptcy On All The Creditors That I Owe? When you file\u00a0bankruptcy, you must and include all of the debts you owe, including all debts to credit cards, bank loans, and other common creditors. You must also include any debt to relatives or friends that you\u2019ve borrowed money [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"parent":444,"menu_order":5,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-460","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 And Creditors - 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-and-creditors\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bankruptcy And Creditors - Cianchetta and Associates\" \/>\n<meta property=\"og:description\" content=\"Bankruptcy And Creditors Do I Have To File Bankruptcy On All The Creditors That I Owe? 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