Bankruptcy We Have the Knowledge & Experience Needed to Guide You Through This Tough Time

Bankruptcy Attorney in Victorville

Providing Targeted Legal Advice for Your Financial Troubles

The word bankruptcy carries a lot of negative connotations. However, if you are buried deep in debt, filing for bankruptcy could be the solution you need to get a fresh start on life. Law Office of Heather Hinton is here to help you evaluate your situation to see if bankruptcy is right for you.

Our Victorville bankruptcy lawyer has the knowledge and experience to help you successfully navigate the entire process. This includes helping you understand your options, completing the necessary paperwork, and representing you when the case goes to court.

For maximum protection of your assets, call our experienced legal team at (760) 313-3188 or contact us online today.

Signs You May Need to File for Bankruptcy

Choosing to file for bankruptcy to resolve your financial problems is a big decision. Bankruptcy should only be considered if all your other options have been exhausted. While the process can provide great benefits, it also comes with some undesirable consequences.

The most significant adverse effect is that it can damage your credit for 7 – 10 years. It can also hinder you from obtaining certain employment opportunities in the future. However, sometimes bankruptcy is a person’s only option.

There are several signs that you may need to file for bankruptcy, including:

  • There is no foreseeable way that you will be able to resolve your debt problems in less than five years
  • You can only make minimum payments on your bills
  • You are paying overdraft fees every month
  • You are being called frequently by debt collection agencies
  • You have exceeded your maximum amounts on your credit cards, and your debt continues to grow
  • Your finances have been destroyed by divorce, a medical condition, or job loss
  • You are ineligible for debt-relief programs like debt consolidation loans or debt management

Understanding Your Bankruptcy Options

There are two main types of personal bankruptcy, including:

  • Chapter 7 bankruptcy: This form of bankruptcy allows debtors to discharge all or part of their debt after their liquid assets are used to repay some of their creditors. To qualify, an individual must demonstrate that they have less than the median income for their family size in their particular state. Failing the “means test” disqualifies a person from Chapter 7 bankruptcy.
  • Chapter 13 bankruptcy: This type of bankruptcy is designed to help debtors repay all or part of their debt through a repayment plan that lasts three to five years. The process involves submitting a proposed plan of how the individual intends to repay his creditors to a judge in a bankruptcy hearing. If approved, the individual can proceed with the plan. After completion, all remaining debt is discharged.

Contact Law Office of Heather Hinton

Filing for Chapter 7 or Chapter 13 bankruptcy can help you protect your assets from debt collectors and free you from financial responsibilities. Do not risk losing your case by making a simple mistake. Our Victorville bankruptcy attorney can ensure that your paperwork is filed correctly and on time.

Call (760) 313-3188 or contact us online today to discover which type of bankruptcy is right for you.

What Sets Us Apart? 

Unparalleled Service to Our Clients
  • Effective Advocacy

    Whether it is in the courtroom or at the negotiation table, Heather Hinton will advise on the best approach based on your unique situation.

  • Strategic Advice

    Every case has its own intricate facts that Heather Hinton will carefully review in order to provide targeted legal advice for your legal matter.

  • Hands-On Representation

    Heather Hinton works with clients one-on-one so they can gain the full and unimpeded benefit of her legal experience and knowledge.

Meet Heather Hinton

 Attorney Heather Hinton provides expert and compassionate services that provide a stable environment. She educates clients on their cases, so they can make informed decisions that are in their best interest. 

We're Here to Help

Schedule a Consultation Today! 
(760) 313-3188
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