Chapter 7

Handling Cases for Clients in Temecula and Covina, California

Though it is a common enough word, what exactly does bankruptcy mean? And what are its implications? As is to be expected, filing for bankruptcy is a complicated process, but before such a step is taken it is essential to understand exactly what it is all about.


At the office of Cristiano & Lillard, our lawyers provide clients with advice and guidance that is tailored to suit their financial situations. We are able to review a client’s situation and determine if filing for bankruptcy is right for them. Contact us today to discuss your specific needs.

Bankruptcy is the legal process where you wipe out some or all of your debts or restructure them over a period of 3 to 5 years. The two kinds of bankruptcy that you can file for are Chapter 7 and Chapter 13.


Chapter 7

In Chapter 7, your dischargeable unsecured debt is discharged (wiped out). This is sometimes called a "fresh start," as the discharging of debt allows clients to regain control of their finances and start over. However, you will not be granted a discharge if you are guilty of certain types of inappropriate behavior (e.g. concealing records relating to financial condition) and certain debts (e.g. spousal and child support, student loans, some taxes) will not be discharged.In Chapter 7, you can keep your cars and your home as long as you are able to keep your payments current. Most Chapter 7 debtors keep all of their property through the various exemptions allowed under the Bankruptcy Law.
It is important to note that Chapter 7 may only be filed once in any eight year period. Our lawyers can help you understand why this is the case and how other avenues of financial recovery may be considered.

In addition to representing clients in Chapter 7 and Chapter 13 matters, we can also assist with a range of other bankruptcy-related issues, such as:

  • Credit card debt counseling
  • Creditor harassment
  • Foreclosure
  • Wage garnishment

Contact us to speak with a lawyer in our office about your Chapter 7 bankruptcy concerns. We offer a free initial phone consultation and accept credit card payment by Visa, MasterCard, American Express or Discover. Payment options are also available.