Consumer Bankruptcy Lawyers in Roseville, California

Roseville Consumer Bankruptcy Lawyers, CA

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Bankruptcy is a legal procedure that allows an individual or business to have some or all of their debts discharged. It is typically considered as an option of last resort, because while it can stave off financial disaster, it has some substantial long-term consequences warranting careful consideration of the costs and benefits. Bankruptcy is a formation of federal law, and goes through federal courts. Therefore, the process governing bankruptcy in California will be roughly the same as it is everywhere else in the U.S. But individual courts have different rules for what property is exempt, so you should consult a local Roseville, California before you file.

Chapter 7 Bankruptcy in Roseville, California

In Roseville, California, there are 2 typical types of commonly-used consumer bankruptcy: Chapter 7 and Chapter 13. Chapter 7 involves liquidation of part of a debtor's assets. It requires that a certain percentage of the debtor's property to be sold to pay off as much debt as possible. The majority of property that most people own, however, is exempt. This typically includes homes, vehicles, retirement accounts, and others. These are not available to creditors.

Once all non-exempt assets are sold, and the money from the sales turned over to the creditors, most remaining debt is excused. But some forms of debt cannot be discharged through Chapter 7 bankruptcy. These include child support payments, student loans, and criminal fines, among others. If most of your Roseville, California debts are not dischargeable, you may want to consider options other than bankruptcy.

Chapter 13 Bankruptcy in Roseville, California

In Roseville, California, Chapter 13 is substantially different from Chapter 7. Chapter 13 may or may not be the best choice for you; this depends on the facts of your specific situation. Chapter 13 bankruptcy does not discharge debt. Instead, it restructures it. This involves the bankruptcy court coming up with a new payment plan that supersedes the terms of the arrangements that gave rise to the debt in the first place. This results in a adjusted payment plan that the debtor should find manageable, if he or she can make a few sacrifices.

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Which Type of Consumer Bankruptcy Should I File in Roseville, California

This depends entirely on the facts of your specific case. If you have a decent amount of stable income, and a large amount of non-exempt property which you don't want to part with, Chapter 13 may be the best option for you. If most of your property is exempt, and you don't have much stable income, Chapter 7 might be the best option.

In any case, it would be a good idea to consult a local bankruptcy lawyer in Roseville, California. Your lawyer can make an educated judgment as to what your best option is, and advise you accordingly (of course, the choice to file for bankruptcy is ultimately yours).

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Life in Roseville

Roseville, California is located in Placer County in the Sacramento region.  With the 11th highest retail sales for the state of California, the city is a major shopping destination.  Roseville has been named one of the "Best Places to Live" by CNN Money.  It has a growing population of over 118,000 and has ranked on the top 100 list for "America's best small cities". 

Retail shopping plays an important role in the economy of Roseville, California.  The city is home to a number of major retail centers and one of the largest auto malls in the U.S.  Particularly, the Westfield Galleria at Roseville is the central shopping center for the city.  The Galleria is a high-end shopping mall with popular retail chains and restaurants.  Many other shopping centers are located throughout the city.

In addition to shopping, Roseville is an ideal location for housing, employment, and recreation.  The Roseville Theater Arts Academy and the Blue Line Gallery are some favorite spots for entertainment and art-centered events.  The city also hosts a number of community events and sports activities for residents.  Roseville's Golfland SunSplash is a popular water park that draws many people during the warmer seasons.

Lawyers in Roseville, California practice law in a number of fields and handle many kinds of legal matters.  Roseville is close to Sacramento, the state capital of California.  Many Roseville lawyers assist their clients at the capital or at the Superior Court Santucci Justice Center Courthouse, located in Roseville.

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