What if I do not qualify for Chapter 7 bankruptcy?

Modesto Bankruptcy Attorney

If you are looking to claim Chapter 7 bankruptcy, you must make sure that you qualify. In order to meets the requirements for Chapter 7 bankruptcy, you must first pass the means test and go through credit counseling. Unless you pass the means test, you will not be able to declare Chapter 7 bankruptcy. As long as you pass the means test and obtain a certificate from credit counseling, you are on the road to a debt free life. By calling one of our Modesto bankruptcy lawyers you can find out whether or not you pass the means test.

Is there any other relief if I don’t qualify for a Chapter 7 bankruptcy?

If you do not qualify for a Chapter 7 bankruptcy there is also a Chapter 13 bankruptcy called reorganization. When you file a Chapter 13, a plan is created where you make payments to a bankruptcy trustee, which allows you to pay off portions of your debt based income and expenses. One advantage of this plan is the ability in certain circumstances to strip the second lien or second mortgage off of your property.

To find out how one of our Modesto bankruptcy attorneys can help, give us a call!

Call us for an in-depth consultation in our Modesto, CA bankruptcy office.

Call us for an in-depth consultation with one of our experienced bankruptcy lawyers at (209) 214-6600. We normally keep regular hours Monday through Friday from 9am – 6pm, but if the weekend works better for your schedule, just give us a call and we will setup an appropriate time for you. We will make sure you get your problems resolved.

Thomas Hogan Law Office Modesto

1207 13th St. #1 Modesto, CA 95354
Phone: (209) 214-6600
Hours of operation:
Monday: 9:00 am – 6:00 pm
Tuesday: 9:00 am – 6:00 pm
Wednesday: 9:00 am – 6:00 pm
Thursday: 9:00 am – 6:00 pm
Friday: 9:00 am – 6:00 pm
Saturday: Flexible, give us a call
Sunday: Closed

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Contact Us RECEPTION (877)509-5204

Our receptionist will assist in scheduling new and existing clients for all offices. For initial consultations we will ask you a few questions and then find the best time for you to talk to one of the lawyers that best fits your legal matter.

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The Law Offices of Tom Hogan will provide you with personalized attention and guidance. Protecting your rights is our main objective. We have been representing clients for the past 30 years and our experienced team of attorneys will advise you of the legal consequences of every decision you take.
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