AV Preeminent Peer Rated Attorneys
Twain Harte Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).
AV Preeminent Peer Rated Attorneys
Twain Harte Residents, consider several factors when selecting a lawyer ... Learn More
AV Preeminent Peer Rated Attorneys
Twain Harte Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).

Law Office of Danny Cochetas

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  • Serving Twain Harte, CA and Tuolumne County, California

  • Law Firm with 1 lawyer

  • Serving the Santa Cruz, Tuolumne County and Surrounding Areas

  • Bankruptcy LawyersEstate Planning, Wrongful Death / Survival Action Medical Malpractice, and 10 more

  • Free Consultation

Danny Cochetas
Bankruptcy Lawyer
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Law Offices of Matthew M. Spielberg

  • 21300 Blue Oak Gulch, Twain Harte, CA 95383

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Looking for Bankruptcy Lawyers in Twain Harte?

Bankruptcy lawyers help individuals and businesses find relief from overwhelming debt. They analyze your financial situation and guide you through processes like Chapter 7 liquidation or Chapter 13 reorganization. Their goal is to stop creditor harassment, protect your assets, and provide a legal path to a fresh financial start.

About our Bankruptcy Lawyers Ratings

The average lawyer rating is created by peers based on legal expertise, ethical standards, quality of service, and relationship skills. Recommendations are made by real clients.

CLIENT RECOMMENDED
100 %

1 Client Review

PEER REVIEWS
4.3

1 Peer Review

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Commonly Asked Bankruptcy Questions From Users Near You

This information is not legal advice and is not guaranteed to be correct, complete or up-to-date. It is provided for general informational purposes only. If you need legal advice you should consult a licensed attorney in your area.

What can I do if I already told them that I could afford to pay $50.00 a month and they said $100.00 would have to be the minimum amount?

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Answered by attorney Linda Kaye Frieder (Unclaimed Profile)
Bankruptcy lawyer at Law Office of Linda K. Frieder
You are negotiating. If they don't agree on the amount, they can take you to court and get a judgment. Keep negotiating.
You are negotiating. If they don't agree on the amount, they can take you to court and get a judgment. Keep negotiating.

What should I expect after a Chapter 7 discharge?

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Answered by attorney William Monroe Rubendall (Unclaimed Profile)
Bankruptcy lawyer at William Rubendall Attorney at Law
After your discharge you can expect it will take awhile to built up your credit. Presumably, after you have filed bankruptcy you don't have debts and you should be able to pay in cash or save money for major purchases. Check you credit report about every six months. You can buy a car or even a house but expect the minimum requirements to qualify to be higher than if you hadn't filed bankruptcy. You can also expect a higher rate of interest.
After your discharge you can expect it will take awhile to built up your credit. Presumably, after you have filed bankruptcy you don't have debts and you should be able to pay in cash or save money for major purchases. Check you credit report about every six months. You can buy a car or even a house but expect the minimum requirements to qualify to be higher than if you hadn't filed bankruptcy. You can also expect a higher rate of interest.
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What are charge-offs as indicated on one's credit report?

Giovanni Orantes
Answered by attorney Giovanni Orantes (Unclaimed Profile)
Bankruptcy lawyer at Orantes Law Firm
A "charge-off" is an account as to which the creditor gave up on trying to collect itself and charged off for tax and/or accounting purposes. It does not mean that the debtor no longer owes the debt. When you have a charge-off, other relevant questions are whether the statute of limitations for the creditor to collect it has expired and whether it has been more than seven (7) years since the account was reported adversely on a credit report and no more payments were made. If the statute of limitations (usually 4 years for written contracts in California) has expired, you may be able to defend against a lawsuit to collect it by asserting the defense (called an "affirmative defense") that the statute of limitations has expired and the case should be dismissed. If more than seven years have passed since the debt was first reported adversely and you have not made any payments, credit bureaus are not supposed to report it any more and you can ask the credit bureaus that they stop reporting it. The foregoing notwithstanding, creditors get around the age of the debt by suing the debtor, who usually does not respond, and thereby winning the lawsuit by default, which turns the debt into a judgment which can be collected for 10-20 years, depending on whether the creditor renews it. If a debtor does respond, it usually has to spend substantially more money defending each such "charged'off" debt than reputable attorneys charge for most Chapter 7 bankruptcy cases. In sum, while old debts may be referred to as "charge-offs", it does not mean (1) that the creditor or whoever the creditor sells the debt to will not continue trying to collect; or, (2) that the credit bureaus will stop reporting it in some incarnation or another, which will continue to lower your credit score.
A "charge-off" is an account as to which the creditor gave up on trying to collect itself and charged off for tax and/or accounting purposes. It does not mean that the debtor no longer owes the debt. When you have a charge-off, other relevant questions are whether the statute of limitations for the creditor to collect it has expired and whether it has been more than seven (7) years since the account was reported adversely on a credit report and no more payments were made. If the statute of limitations (usually 4 years for written contracts in California) has expired, you may be able to defend against a lawsuit to collect it by asserting the defense (called an "affirmative defense") that the statute of limitations has expired and the case should be dismissed. If more than seven years have passed since the debt was first reported adversely and you have not made any payments, credit bureaus are not supposed to report it any more and you can ask the credit bureaus that they stop reporting it. The foregoing notwithstanding, creditors get around the age of the debt by suing the debtor, who usually does not respond, and thereby winning the lawsuit by default, which turns the debt into a judgment which can be collected for 10-20 years, depending on whether the creditor renews it. If a debtor does respond, it usually has to spend substantially more money defending each such "charged'off" debt than reputable attorneys charge for most Chapter 7 bankruptcy cases. In sum, while old debts may be referred to as "charge-offs", it does not mean (1) that the creditor or whoever the creditor sells the debt to will not continue trying to collect; or, (2) that the credit bureaus will stop reporting it in some incarnation or another, which will continue to lower your credit score.
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