Santa Barbara County, California Bankruptcy Lawyers

Chapter 7 Bankruptcy Chapter 13 Bankruptcy

(818) 501-6161

You may have heard that changes in the bankruptcy laws enacted in 2005 make it nearly impossible for people to file for bankruptcy to wipe out their debts or seek protection for creditors and harassing phone calls. This is simply not true!

Santa Barbara Chapter 7 Bankruptcy Lawyers.

The Santa Barbara Chapter 7 bankruptcy lawyers of the law office of Hagen & Hagen have helped Southern California individuals and small businesses navigate the complex world of bankruptcy since 1970. As state-certified bankruptcy specialists,* we are up-to-date in every aspect of the changes in federal bankruptcy law. Contact us today to arrange an initial consultation to discuss your situation.

You Can Still File For Bankruptcy

Let us assure you that Chapter 7 bankruptcy, sometimes called liquidation or "straight bankruptcy," is still available to most California residents even after the Bankruptcy Abuse Prevention And Consumer Protection Act of 2005. Most people considering filing for bankruptcy will pass the new "means test" for income. As before, the vast majority of people filing Chapter 7 will be able to keep their home and most possessions. Chapter 13 bankruptcy, also known as reorganization of debts, also remains available under the new law. Chapter 13 stops phone calls from credit card companies and other creditors, as well as wage garnishment or repossession, while you develop a plan to pay back some of your debts over three to five years.

File For Bankruptcy From Your Own Home.

As Santa Barbara Chapter 7 bankruptcy lawyers, the law office of Hagen & Hagen serves clients from Ventura, Oxnard, Simi Valley, Thousand Oaks, Fillmore, Santa Paula, Santa Barbara, Carpenteria, Santa Maria and surrounding communities throughout Santa Barbara County and Ventura County. Although we encourage clients to visit our office in Encino, California so we can meet them, it is not necessary to be physically present to file for bankruptcy. Most, if not all, of the process can be achieved by phone and by mail.

Won't Bankruptcy Ruin My Credit And Reputation?

More than 1 million individuals, couples, families and small businesses file for bankruptcy in the United States each year. The bankruptcy laws were created to provide a second chance for honest people who get into financial difficulties beyond their ability to repay. If you do file for bankruptcy, the Santa Barbara Chapter 7 bankruptcy lawyers of the law office of Hagen & Hagen can show you how to rebuild your credit rating one step at a time. You will be able to obtain loans and credit cards again, probably sooner than you think. And no one has to know that you have declared bankruptcy or sought protection from creditors.

Whether your debt was incurred through injury or illness, unemployment, credit card debt, student loans, medical bills or other causes, you should consider the option of filing for bankruptcy. If you are a resident of Santa Barbara County, California or Ventura County, California, the experienced and compassionate bankruptcy attorneys of the law office of Hagen & Hagen can explain your rights and your options, and answer any questions you may have.

Call (818) 501-6161 or email us today to arrange your initial consultation with the Santa Barbara Chapter 7 bankruptcy lawyers of the law office of Hagen & Hagen.

* Santa Barbara Chapter 7 bankruptcy attorneys Earle Hagen and Jeffrey Hagen are certified by the State Bar of California Board of Legal Specialization in Personal and Small Business Bankruptcy Law. The law office of Hagen & Hagen is a debt relief agency, helping people file for debt relief under the U.S. Bankruptcy Code since 1970.

For more information, or to discuss your situation with our experienced bankruptcy attorneys, contact the law office of Hagen & Hagen today to schedule a consultation.

We represent clients throughout Southern California, including Santa Barbara County, Ventura County, and the communities of Ventura, Oxnard, Simi Valley, Thousand Oaks, Fillmore, Santa Paula, Santa Barbara, Carpenteria, Santa Maria. We are a debt relief agency.