Bankruptcy is a legal process that can provide relief to individuals or businesses who are struggling with overwhelming debt. However, the thought of going to court can be intimidating and stressful for many people. The good news is that, aside from an interview with the trustee (many of which are conducted over the phone or by zoom), most of my clients avoid going to court.

There are two main types of bankruptcy for individuals: Chapter 7 and Chapter 13. Chapter 7 bankruptcy is often referred to as “liquidation” because it involves the sale of non-exempt assets to pay off creditors. Chapter 13 bankruptcy, on the other hand, involves creating a repayment plan to pay off creditors over a period of three to five years.

It’s important to note that even if you can avoid going to court, you will still need to work with a Bankruptcy Attorney and follow the necessary steps to complete the bankruptcy process. This includes filing the necessary paperwork, attending credit counseling, and completing a financial management course.

In some cases, it may be possible to avoid bankruptcy altogether by exploring other options such as debt consolidation or negotiating with creditors to lower your payments. However, if you are considering bankruptcy, it’s important to speak with a Qualified Bankruptcy Attorney to discuss your options and determine the best course of action for your specific situation.

In conclusion, while it may be possible to avoid going to court in your bankruptcy, it ultimately depends on the specifics of your case. Working with a qualified bankruptcy attorney can help you navigate the process and determine the best course of action for your situation.

If any questions, reach out to your Yuba City bankruptcy attorney at 530-797-4402

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