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The Law Offices of Robert F. Sommers The Law Offices of Robert F. Sommers
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Chapter 7 Work Directly With An Attorney Backed by Thousands of Victories and Over 20 Years of Experience

Ventura Chapter 7 Bankruptcy Attorney

Call (805) 919-8662 to Get a Fresh Start in Life

Are you having trouble keeping up with your bills? Do you have a significant amount of debt that seems practically impossible to pay off? Chapter 7 bankruptcy can offer the financial relief necessary to start over with a clean slate. This type of bankruptcy eliminates many (or all) of your debts.

At The Law Offices of Robert F. Sommers, we can evaluate your financial situation, determine whether Chapter 7 bankruptcy is right for you, and guide you through the legal process of canceling your debts. With more than two decades of experience, our Ventura bankruptcy lawyer has a comprehensive understanding of California bankruptcy law to help you obtain the most favorable outcome.

California Chapter 7 Bankruptcy Explained

Also known as liquidation bankruptcy or straight bankruptcy, Chapter 7 wipes out most (or all) unsecured debt. Common types of dischargeable debt include credit card debt, medical bills, past due utility bills, and money owed under a lease agreement (i.e. past due rent). Keep in mind, certain debts such as child support, alimony, and student loans cannot be discharged.

In order to qualify, you must the “means test,” which determines whether your income exceeds a certain amount. If you do not qualify, you may still be able to file for Chapter 13 bankruptcy.

When you file for Chapter 7 bankruptcy, an automatic stay goes into effect, stopping most creditors from attempting to collect the money you owe them. This means creditors cannot garnish your wages, access your bank account, or repossess your home or car.

The court will appoint a “trustee” to ensure your creditors are paid—as much as possible—what you owe by looking for nonexempt property to sell to obtain money for the creditors. Once the trustee determines you have some nonexempt property after the creditors meeting, you may have to either give up your property or provide the trustee with the equivalent cash value.

Since most property owned by Chapter 7 debtors is either exempt or basically worthless when it comes to raising money for creditors, few debtors must relinquish any property. However, if there is collateral for secured debt, it needs to be surrendered.

Schedule a Free Consultation Today!

The bankruptcy process can be quite complex and committing an error can result in serious legal consequences, leaving you vulnerable to the harassment of creditors. Our Ventura bankruptcy lawyer protects your valuable possessions and helps you navigate the intricacies of the process to get the most out of your discharge. Let us help you start a new chapter in life immediately.

For more information, contact us and discuss your case with our The Law Offices of Robert F. Sommers today.

  • "Just a quick note to say thank you. Your help is much appreciated."
    Just a quick note to say thank you. Your help is much appreciated. . . And thank you for allowing me to make payments for your fee.
    - A. J.
  • "Thank you again for the great job you did for me."
    Thank you again for the great job you did for me. I have given your name and phone number to my pastor . . . and told him what a good job you did for me.
    - T.T.
  • "My case would have had a much more severe outcome had he not been in my corner."
    You never believe you could get pulled over for a DUI. Of course I would never drive intoxicated. But I made a poor decision and drove those few miles home. Thankfully there was no accident, however I'd committed a serious crime that would entail serious repercussions . Not only does a DUI affect your insurance, your record as a good citizen, but it is also a whole reality check on your life. I was so fortunate to have had the legal service of Mr. Robert F. Sommers, who dealt with my situation in a caring, efficient manner. The complete process involves much detailed attention. Attorney Sommers took care of it all for me, appearing in court, altering me to what I needed to do, and was always prompt in returning my phone calls, answering questions or concerns. My case would have had a much more severe outcome had he not been in my corner. His fee, which is comparably less expensive than other lawyers serving DUI cases, was worth every penny!
    - L.L.B.
  • "I can't thank you you enough! You did a phenomenal job."
    I can't thank you you enough! You did a phenomenal job.
    - E.M.

    What Sets Us Apart From The Rest?

    • Former Prosecutor on Your Side
    • Emergency Appointments Available
    • Over 5,000 DUI Cases Handled
    • 50+ Cases Taken to Trial
    • Customized & Proven DUI Defense
    • Over 20 Years Of Experience