Chapter 7 Bankruptcy

Experienced Chapter 7 Bankruptcy Attorneys

Has financial stress lead to undue frustration with your spouse or loved ones? Are aggressive and disrespectful creditors harassing you? Is anxiety about looming and overdue keeping you awake at night?

At The Law Offices of Richard L. Francis and Associates our attorneys have decades of experience with bankruptcy law and have helped numerous individuals and families enjoy a fresh start through Chapter 7 bankruptcy.

Has your debt become unmanageable? Are you concerned that you may lose your house? Contact The Law Offices of Richard L. Francis and Associates at 805-485-8888 for experienced debt relief services.

With the help of Chapter 7 bankruptcy, there is no reason to suffer the overwhelming stress of crippling debt. Through Chapter 7 bankruptcy you can often eliminate much of your credit card and other unsecured debt while retaining your home, car and other valued property.

In a Chapter 7 bankruptcy, which is sometimes referred to as a “straight bankruptcy,” you are required to submit your non-exempt assets to a trustee, who will use these assets to satisfy the debt you owe to your creditors. You will, however, be allowed to keep certain “exempt” assets. There is a misconception that after bankruptcy, you will be left with nothing. This is simply not the case. An experienced attorney can help you determine which assets you can keep and if Chapter 7 or Chapter 13 bankruptcy is right for you.

Often, our clients encounter initial hesitation in filing for bankruptcy. Please remember — bankruptcy protection is there for those who qualify and for those who need it. It is meant to be used to help you get a fresh start. For a free initial bankruptcy law consultation, contact our firm.
Call Us Before It’s Too Late

If you have Chapter 7 bankruptcy questions, contact The Law Offices of Richard L. Francis and Associates. We offer free initial consultations, are conveniently located in Heritage Square in downtown Oxnard, and speak Spanish and English. To contact us, call 805-485-8888.