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Murrieta and Temecula Bankruptcy Attorney

Murrieta Bankruptcy Attorney → Temecula, California

38975 Sky Canyon Drive, Ste 202
Temecula, California 92563

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Murrieta attorney Karen E. Lockhart dedicates her practice to the representation of individuals who find themselves overwhelmed with consumer debt. Attorney Karen E. Lockhart is an aggressive, experienced attorney. Hiring the best bankruptcy attorney is more affordable than you think. Consultations are, of course, always free.<br><br>Contact Murrieta bankruptcy attorney Karen E. Lockhart at 951-698-5191, for a confidential evaluation. Consultations are available by telephone or in person. Weekends and evening appointments are also available. <br><br>Murrieta bankruptcy attorney Karen E. Lockhart is conveniently located in Murrieta and serves the areas of Murrieta, Temecula, Hemet, San Jacinto, Soboba, Lake Elsinore, Canyon Lake, Winchester, Sun City, Corona, Riverside, Wildomar, Homeland, Romoland, Homeland, Hot Springs, Temescal Canyon, Perris, Nuevo, Norco, La Sierra, Arlington, Anza, Aguanga, Calimesa, Casa Blanca, East Side Riverside, and all of the areas in between.<br><br>Chapter 7 bankruptcy relief is designed to give an individual a fresh start, discharging most, if not all, consumer debts in as little as 90 to 180 days after filing. In most cases, an individual will retain most, if not all, of their belongings. There are certain debts, such as child support, student loans, and taxes, that generally cannot be discharged. You may be able to retain your home, if you are current on your mortgage and will be able to remain current after your other debts are discharged. If you cannot maintain your mortgage after your discharge, you may lose your home in foreclosure anyway. You will need to consider whether filing for Chapter 7 makes economic sense. If it wonand#226;and#128;and#153;t get you out of your current debt problems, and will force you to give up property you want to keep, then Chapter 7 might not be the best option, and a Chapter 13 repayment plan might make better sense.<br><br>If you have a steady income, Chapter 13 bankruptcy may be the best way to solve your debt problems. When you file for Chapter 13, you agree to repay all, or a portion, of your debts, over time, supervised by the bankruptcy court. Chapter 13 allows you to keep your property while you are using your income to repay some or all of your debts, including missed payments. If you are facing foreclosure on your home, Chapter 13 can provide a powerful remedy. You can keep your home by proposing a repayment plan that includes your missed payments, as long as you remain current on your mortgage. Chapter 13 repayment plans generally last either 3 or 5 years, depending on your circumstances. <br><br>You may be able to reduce the amount you pay for your vehicle, paying its replacement value over the life of your plan, rather than the amount you actually owe. You are protected from lawsuits, garnishments, and other creditor actions while<br>the plan is in effect. At the conclusion of your plan you receive a discharge. This may include and#226;and#128;and#156;strippingand#226;and#128;and#157; your second and third mortgages.

Are you overwhelmed by credit card debt, medical bills and loan payments? Are you behind on your mortgage? Did the variable interest rate on your home loan reset causing your payments to skyrocket for a home that has lost a significant amount of its value? Are you being harassed by bill collectors or attorneys for past due payments? Are facing foreclosure of you home? The repossession of your automobile or other property? Have you suffered the loss of a job, decrease in income or an illness that has made it impossible to continue working? Do you struggle every month just to keeps the lights on and food on the table? You are not alone.andlt;brandgt;andlt;brandgt;We understand that deciding to declare bankruptcy is a difficult, agonizing choice. A bankruptcy will affect your lifestyle, future credit, and your self-image. But it can also improve your quality of life and, in many cases, keep you from losing your home, car and other essentials.andlt;brandgt;andlt;brandgt;and#226;and#128;and#156;Bankruptcyand#226;and#128;and#157; does not have the same social stigma it did years ago. Bankruptcy laws are specifically designed to give debt-ridden individuals a chance to rebuild a more solid financial andlt;brandgt;future. It is a remedy that helps people to regain control of their finances when debts become unmanageable. It can give you a fresh financial start or the ability to repay all, or some of your debts over time. If you are overwhelmed with financial difficulties, you need not be discouraged. As a consumer, you have certain rights under federal bankruptcy law that m

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