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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.
Law Offices of
Rounds & Sutter, LLP
TEL (805) 617-3385
FAX (805) 832-6315
610 Anacapa St. Second Floor
Santa Barbara, CA. 93101
Map & Directions
1727 Mesa Verde Ave, Suite 120D
Ventura, CA. 93003
Map & Directions
Rounds & Sutter, LLP
TEL (805) 617-3385
FAX (805) 832-6315
610 Anacapa St. Second Floor
Santa Barbara, CA. 93101
Map & Directions
1727 Mesa Verde Ave, Suite 120D
Ventura, CA. 93003
Map & Directions
Chapter 7 Bankruptcy
Santa Barbara County, Ventura County, and San Luis Obispo County
Chapter 7 bankruptcies are designed to help individuals by eliminating all unsecured debt. Under Chapter 7 bankruptcy laws, the filer may "reaffirm" certain secured debt, such as a mortgage and automobile loans. This means that you can eliminate all revolving credit card debt and keep your home and car by agreeing to continue to repay the loan.
There are many myths about Chapter 7 bankruptcy that the credit industry wants people to believe. Our attorneys will help you navigate through these myths. Contact our office at 805-617-3385 or E-Mail us. We offer a free initial consultation about your Chapter 7 bankruptcy needs
As an experienced attorneys, we provide legal representation for individuals and families that need a fresh start that Chapter 7 offers. We know that most people who file for bankruptcy have struggled with unreasonably high interest rates and unfair late fees for many months, even years before coming in to see me. In fact, most people are really only a few months behind in payments, but just can't keep up the juggling act, or just ran into an unexpected financial problem.
Other facts you want to be aware of:
- Recent bankruptcy law changes you've probably heard of and the Chapter 7 "means test" really haven't affected the bankruptcy picture all that much. In fact, the new laws have made it much more complicated for an inexperienced person to actually file the paperwork for a Chapter 7 petition correctly.
- You can file a Chapter 7 case jointly with your spouse, or as an individual (even if you are married).
- Not all kinds of unsecured debt (debts that are not secured by property such as a house or a car) can be discharged in a Chapter 7 bankruptcy. The most common example is a student loan, but there are others.
- The Chapter 7 process is fairly straightforward and may take as little as four months to complete.