Chapter 7 Bankruptcy Lawyer in La Jolla
Financial problems may drive individuals and families to file bankruptcy for relief from the debt burdens they face. Though not right for everyone, filing for bankruptcy protection may allow people to regain control of their finances and get back on track.
At his La Jolla, California, office, Attorney Darvy Mack Cohan provides clients with comprehensive bankruptcy representation. Having practiced bankruptcy law for 30 years, Mr. Cohan is a knowledgeable advocate who prides himself on providing clients with options for seeking protection from creditors and collectors. He assesses a client's situation to determine if filing for bankruptcy is right for them. Contact his office at (858) 459-4432 today to further discuss Chapter 7 and Chapter 13 bankruptcy matters.
Each client and situation is different. Mr. Cohan understands Chapter 7 bankruptcy may not work for everyone. He customizes the representation he provides to suit each client and case.
What is Chapter 7?
Chapter 7 is a type of consumer or personal bankruptcy filing that is also sometimes called a "fresh start." Chapter 7 allows a debtor to have most or all of their unsecured debts discharged, allowing them to start over with their finances. You may have assets that are not protected under a Chapter 7. Attorney Cohan can assess your situation and determine if you are eligible. However, to file a Chapter 7, you must clear the means test.
The Means Test
The Means Test is based on your income and your necessary expenditures in relation to the median income for you district. It is used to calculate if you earn enough income to allow you to pay a portion of your debts. If you earn over the limits for a Chapter 7 filing, you may instead file a Chapter 13 bankruptcy.
Because the means tests looks at your income and expenses, and the test has numerous adjustments, you cannot determine whether you are eligible for a Chapter 7 until you have had an experienced bankruptcy attorney calculate your numbers. Attorney Cohan handles other financial matters affecting your ability to file for bankruptcy.
To learn more about your options for seeking Chapter 7 bankruptcy protection, contact the Law Office of Darvy Mack Cohan, in La Jolla, California, today. Mr. Cohan is a knowledgeable bankruptcy attorney who has received an AV rating* from his peers under Martindale-Hubbell's peer review rating service.
Darvy Mack Cohan
7855 Ivanhoe Avenue, Suite 400
La Jolla, CA 92037-3669
Phone: (858) 459-4432
Fax: (858) 454-3548
Email
Martindale-Hubbell is the facilitator of a peer review rating process. Ratings reflect the confidential opinions of members of the Bar and the judiciary. Martindale-Hubbell ratings fall into two categories - legal ability and general ethical standards.
Darvy Mack Cohan provides high-quality legal representation to individual, business and commercial clients in San Diego County, Orange County, Los Angeles County, Riverside County, San Bernardino County and Ventura County, including those southern California communities of San Diego, La Jolla, Del Mar, Rancho Santa Fe, Encinitas, Solana Beach, Oceanside, Vista, Rancho Bernardo, Poway, Ramona, La Mesa, El Cajon, Chula Vista, San Clemente, Irvine, Santa Ana, Los Angeles, Long Beach, Burbank, Woodland Hills, Riverside, Palm Springs and Palm Desert.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.