AV Preeminent Peer Rated Attorneys
Willows 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
Willows Residents, consider several factors when selecting a lawyer ... Learn More
AV Preeminent Peer Rated Attorneys
Willows 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).
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D. M. Howard Law

  • 333 N. Plumas St., Willows, CA 95988, U.S.A.

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Looking for Bankruptcy Lawyers in Willows?

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.

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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.

What is the difference in chapter 7 & chapter 13 bankruptcy and how do I know which one to file?

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Answered by attorney Michael Burton McFarland (Unclaimed Profile)
Bankruptcy lawyer at Michael B. McFarland, PA
Although there are a lot of on-line resources, they can be confusing and difficult, especially for someone without legal experience. Make sure, when you set up your meeting with an attorney, that there is no obligation beyond that meeting. If you are not comfortable with him or her, you should keep shopping until you find someone compatible with you.
Although there are a lot of on-line resources, they can be confusing and difficult, especially for someone without legal experience. Make sure, when you set up your meeting with an attorney, that there is no obligation beyond that meeting. If you are not comfortable with him or her, you should keep shopping until you find someone compatible with you.
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What is my recourse regarding a summons to attend court for debt not paid?

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Answered by attorney Tony E. Carballo (Unclaimed Profile)
Bankruptcy lawyer at Carballo Law Offices
The choices are: Have your wages garnished at 25% of your income and you can then ask the court to reduce the percentage taken from your wages to whatever percentage the court thinks you can afford to pay (maybe nothing) or file a bankruptcy case to discharge all of your debts. If you have any money in the bank then it can be taken (levied) and if you own any real estate then the creditor can put a lien on the property unless you pay or file a bankruptcy case and you will have to pay the debt when you sell or refinance the property. These are the likely things that will happen if you don't pay the debt. Of course, you can negotiate the amount owed and pay less if you can come up with a substantial amount big enough so that creditor will accept it and forget the rest.
The choices are: Have your wages garnished at 25% of your income and you can then ask the court to reduce the percentage taken from your wages to whatever percentage the court thinks you can afford to pay (maybe nothing) or file a bankruptcy case to discharge all of your debts. If you have any money in the bank then it can be taken (levied) and if you own any real estate then the creditor can put a lien on the property unless you pay or file a bankruptcy case and you will have to pay the debt when you sell or refinance the property. These are the likely things that will happen if you don't pay the debt. Of course, you can negotiate the amount owed and pay less if you can come up with a substantial amount big enough so that creditor will accept it and forget the rest.
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Can student loan debt be discharged in the case of financial hardship?

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Answered by attorney Scott Wesley Dicus (Unclaimed Profile)
Bankruptcy lawyer at Goodman & Dicus LLP
A student loan, unlike the other types of debt you mentioned, is not dischargeable unless you can show "undue hardship." To discharge your student loan on the basis of undue hardship, you must file a separate action in the bankruptcy court (a Complaint to Determine Dischargeability of Student Loan) and obtain a court ruling in your favor on this issue. When determining whether hardship exists, courts use one of two tests (depending on where the court is located). Courts look at either: 1) Poverty (current and future employment), persistence (you must show your current financial situation is likely to continue for a significant part of the repayment period), and good faith (you must prove you'd made a good faith effort to repay the debt) or 2) The totality of the circumstances, which essentially means the court will consider all the facts it deems relevant in deciding whether undue hardship exists. Generally, courts look for reasons to deny student loan discharges.
A student loan, unlike the other types of debt you mentioned, is not dischargeable unless you can show "undue hardship." To discharge your student loan on the basis of undue hardship, you must file a separate action in the bankruptcy court (a Complaint to Determine Dischargeability of Student Loan) and obtain a court ruling in your favor on this issue. When determining whether hardship exists, courts use one of two tests (depending on where the court is located). Courts look at either: 1) Poverty (current and future employment), persistence (you must show your current financial situation is likely to continue for a significant part of the repayment period), and good faith (you must prove you'd made a good faith effort to repay the debt) or 2) The totality of the circumstances, which essentially means the court will consider all the facts it deems relevant in deciding whether undue hardship exists. Generally, courts look for reasons to deny student loan discharges.
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