AV Preeminent Peer Rated Attorneys
El Centro Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).
AV Preeminent Peer Rated Attorneys
El Centro Residents, consider several factors when selecting a lawyer ... Learn More
AV Preeminent Peer Rated Attorneys
El Centro Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).

Law Office of Michael A. Salorio

5.0
13 Reviews

  • 1413 Main St., El Centro, CA 92243

  • Law Firm with 1 lawyer1 award

  • A law firm practicing bankruptcy law.

  • Bankruptcy LawyersImmigration, Divorce, and 5 more

Michael Salorio
Bankruptcy Lawyer
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Anderholt & Storey, A P.L.C.

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Looking for Bankruptcy Lawyers in El Centro?

Bankruptcy lawyers help individuals and businesses find relief from overwhelming debt. They analyze your financial situation and guide you through processes like Chapter 7 liquidation or Chapter 13 reorganization. Their goal is to stop creditor harassment, protect your assets, and provide a legal path to a fresh financial start.

About our Bankruptcy Lawyers Ratings

The average lawyer rating is created by peers based on legal expertise, ethical standards, quality of service, and relationship skills. Recommendations are made by real clients.

CLIENT RECOMMENDED
50 %

5 Client Reviews

PEER REVIEWS
3.9

3 Peer Reviews

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Lawyer Resources

Commonly Asked Bankruptcy Questions From Users Near You

This information is not legal advice and is not guaranteed to be correct, complete or up-to-date. It is provided for general informational purposes only. If you need legal advice you should consult a licensed attorney in your area.

Can I reaffirm my credit card debt?

Paul D Stuber
Answered by attorney Paul D Stuber (Unclaimed Profile)
Bankruptcy lawyer at Law Office of Paul Stuber
You are required to list all debts on the petition. If you do not owe anything on a card then you do not have to list it, but you must list all debts. Reaffirmation agreements are meant for secured debts. People often reaffirm on a home mortgage or a car loan in order to keep the item secured. Even if you do not list a credit card on your bankruptcy petition the card company will find out about the bankruptcy and may cancel your card. None of the above means that you cannot contact the credit card company and start again a card with them. In fact you will be given opportunities just because you filed bankruptcy. You may become a better risk on an unsecured credit line because you have discharged your debt and you cannot file chapter 7 bankruptcy again for 8 years. I am unsure how the store will deal with an employee in this situation. I would suggest you talk to someone in authority about the stores policy on bankruptcy with employees.
You are required to list all debts on the petition. If you do not owe anything on a card then you do not have to list it, but you must list all debts. Reaffirmation agreements are meant for secured debts. People often reaffirm on a home mortgage or a car loan in order to keep the item secured. Even if you do not list a credit card on your bankruptcy petition the card company will find out about the bankruptcy and may cancel your card. None of the above means that you cannot contact the credit card company and start again a card with them. In fact you will be given opportunities just because you filed bankruptcy. You may become a better risk on an unsecured credit line because you have discharged your debt and you cannot file chapter 7 bankruptcy again for 8 years. I am unsure how the store will deal with an employee in this situation. I would suggest you talk to someone in authority about the stores policy on bankruptcy with employees.
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What are charge-offs as indicated on one's credit report?

Diane L Drain
Answered by attorney Diane L Drain (Unclaimed Profile)
Bankruptcy lawyer at Law Office of D. L. Drain, P.A.
Just because a debt is charged off does not mean you will not be sued by a debt collector. Watch the statute of limitations for the state where you live.
Just because a debt is charged off does not mean you will not be sued by a debt collector. Watch the statute of limitations for the state where you live.
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Is it illegal for a person who runs a business as a sole proprietor to convert his business to a LLC and then file bankruptcy?

default-avatar
Answered by attorney Dorothy G. Bunce (Unclaimed Profile)
Bankruptcy lawyer at A Fresh Start
It is not illegal to change a businesses structure just before filing bankruptcy, but it may not be necessary and it also may harm the person who has done this by making the assets less protected in the bankruptcy filing. Bankruptcy exemptions provide for a substantial amount of protection of business assets, called "tools of the trade" if personally owned.
It is not illegal to change a businesses structure just before filing bankruptcy, but it may not be necessary and it also may harm the person who has done this by making the assets less protected in the bankruptcy filing. Bankruptcy exemptions provide for a substantial amount of protection of business assets, called "tools of the trade" if personally owned.
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