Frequently Asked Questions
At Cal West Law, our mission is to help give you a fresh start. We have
been providing personalized bankruptcy services for clients in Los Angeles and throughout Southern California for more than 24 years,
and we have seen it all. No matter how large and messy your current financial
situation is, we are equipped to help you formulate a plan and find a
way out. We understand the heavy burden that debt places on individuals,
business owners, and families, which is why we are committed to doing
everything we can to lighten your load and give you peace of mind at every
stage of the process.
(818) 446-1334 today to schedule your free consultation.
Can I File Bankruptcy Without a Lawyer?
Technically, you are not required to retain an attorney before filing for
bankruptcy, and it would be possible for you to fill out all the required
forms without the advice of an attorney. However, this is a dangerous
endeavor, as even a small error could prevent you from obtaining any form
of relief and leave you stuck with all the lasting, harmful consequences
of filing bankruptcy, such as damaged credit.
Congress has also made banking and bankruptcy laws painfully complex and
difficult for non-legal and non-banking professionals to understand. This
makes it that much more important for all prospective bankruptcy filers
to consult a legal professional who is familiar with the court system,
the laws, and the possible solutions to your debt.
When you schedule a free consultation at Cal West Law, there is no financial
obligation. A consultation allows us to learn about your circumstances
and your goals and help you understand your options, and the power to
decide how to move forward always rests with you.
Start learning about your options today by calling
Does Bankruptcy Get Rid of All My Debts?
Some debts can be completely discharged when you file for bankruptcy and
receive final approval from the court. However, some debts may not be
discharged or reduced, including (but not limited to):
- Back-pay for child support
- Tax debts (with a few exceptions)
- Student loans (unless repaying the loan places an impossible burden on
you, which is very challenging to prove in most cases)
These are not always hard-and-fast rules. When you bring Cal West Law into
your corner, we can help you determine which debts can be discharged,
which ones can be reduced, and which ones are likely to remain static.
Will Bankruptcy Hurt My Credit Forever?
No. In the short run, immediately after bankruptcy, you will likely have
difficulty financing major purchases at a reasonable interest rate; however,
we can help you take steps following bankruptcy that will significantly
improve your credit.
Even if your credit score is less than ideal after filing for and obtaining
bankruptcy, the negative effects don’t last forever. Credit reporting
agencies typically take into account your last 7-10 years of credit history,
so continuing to carefully manage your finances and build your credit
in the years following bankruptcy will eventually pay off and you will
see your credit score return to normal.
Could I Lose My Job if I File for Bankruptcy?
No. Your employer may not discriminate against you for seeking protection
under any chapter of the Bankruptcy Act. You are also protected from discrimination
by your employer for having unpaid debts that were discharged under the