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The Law Offices of Rounds & Sutter, LLP serves clients in Santa Barbara, Goleta, Ventura, Oxnard, Lompoc, Santa Maria, Carpinteria, Ojai, Camarillo, Buellton, Solvang and Santa Paula, CA. We serve Santa Barbara County, Ventura County and San Luis Obispo County, California.

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We are a debt relief agency,helping people file for bankruptcy relief under the Bankruptcy Code. Visit our Ventura bankruptcy practice website.

Information you obtain at this site is not, nor is it intended to be, legal advice. Consult an attorney for individual advice regarding your own situation.

Bankruptcy Overview

Legal Help for People in Santa Barbara, San Luis Obispo, & Ventura Counties

Facing bankruptcy? At the Law Offices of Rounds and Sutter, LLP, we know how overwhelming it can be. The bills pile up, the creditors keep calling and the landlord gets angry. There is a way out. Our law firm handles Chapter 7, Chapter 11, and Chapter 13 bankruptcy filings. Get experienced representation that will get you back on solid financial ground. Contact us by E-Mail or call our office at 805-617-3385.

Common Debt and Bankruptcy Questions

• What does it costs to file bankruptcy?
• Can home foreclosure be stopped by filing bankruptcy?
• What happens to my personal property?
• Will my car get repossessed?
• Can bankruptcy help with tax debt?
• What debts can get discharged?
• Is debt consolidation better than bankruptcy?

The answers to the above will depend upon your individual situation, and our lawyer’s legal experience can help make the bankruptcy process work for you. As soon as you start the filing process, a new financial plan can be set in motion for your recovery from debt.

Recent Changes to Bankruptcy Law

For Individuals Filing Chapter 7 "Consumer" Bankruptcy: A new bankruptcy law has added new requirements to the bankruptcy process for individuals who are looking to file. One of these requirements is passing the means test.

The debtor's average income for the last six months is compared to their state's median income. If the debtor passes the means test (meaning that their income is equal to or less than this median), then he or she is allowed to file for Chapter 7 bankruptcy. If the debtor doesn't pass the means test, they may be asked to file under Chapter 13 bankruptcy. Individuals filing for Chapter 7 or Chapter 13 bankruptcy must take a credit counseling course.

Help for Small-to-Medium Sized Businesses

Our law office understands how the economy has affected businesses, both local and nationwide changes in the consumer and business climate are very evident. We can assist in debt restructuring via Chapter 11 bankruptcy, or other options that fit your situation.

Contact Bankruptcy Lawyers - Located in the Central Coast

For a free initial consultation — call  our office at 805-617-3385. You can also contact us by E-Mail and our office will get in touch with you shortly.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.