Bankruptcy - Covey Law, P.C. - www.619Bankruptcy.com

Stop Collection Activities Immediately

The second you file for bankruptcy protection, your
creditors will be prohibited for continuing with
collection calls, reposessions, and foreclosures.
Creditors will not be able to foreclosure or
repossess your property until they get permission
from the bankrutcy court to do so.

Keep your Property

The majority of people that file for bankruptcy are
able to keep all of their property. We will carefully
analyze your situation prior to filing bankruptcy to
make sure that your property is fully exempt.

Fresh Financial Start

Once your case is completed (is as little as 90 days
for a Chapter 7 case), you will receive your
bankruptcy discharge. The “discharge” will
permanently prevent your creditor from seeking to
collect the discharged debt. Typically, most if not all
consumer debts are discharged in bankruptcy.

Chapter 7 vs. Chapter 13

During the initial consultation, we will fully explain
the chapter 7 and chapter 13 process to you so that
you are able to make an educated decision on
which type of case, if either, is best for you.

Bankruptcy Overview

In Summary, Bankruptcy is a process in which a person who cannot pay his or her
bills can get a fresh financial start. It is this "Fresh Start" that is the principle
behind the bankruptcy code. The Supreme Court has described the "Fresh Start" as
a "new opportunity in life, unhampered by the pressure and discouragement of
pre-existing debt."

Bankruptcy is a relatively straightforward process which can help you become debt
free in as little as 90 days. Bankruptcy stops all collection activities gives you a
chance to get your financial situation in order without having to deal with
harassment from creditors. Bankruptcy cases in San Diego County are filed in the
U.S. Bankruptcy Court for the Suthern District of California.

Required Disclosure: Covey Law, P.C. is classified as a debt relief agency under the
Bankruptcy Code. Among other services provided, we help people file for bankruptcy.