Spectacular!

I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
--Donna
Highly Recommended!

I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
--David
Very Professional.

Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
--Anonymous
Non-judgmental.

You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
--Anonymous
More Than Expected!

I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
--Joanna
Very Impressed!

I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.
--Danielle

Chapter 7 Vs. Chapter 13

Chapter 7

Most people who file bankruptcy file a Chapter 7. Chapter 7 bankruptcies discharge most kinds of debt incurred prior to the time of filing. Only those who make below the median income for their household size are eligible for a Chapter 7. While a Chapter 7 “wipes out” most debt, it is possible that you will have to give up some of your assets depending on how much they are worth. I italicized “possible” because California exemptions are generous, so most of my clients who file a Chapter 7 keep all of their assets.

Chapter 13

If you make over the median income for your household size, you’ll be filing a Chapter 13. Chapter 13’s entail paying back some of your debt over a 5-year span. The court’s reasoning here is that you should pay off the amount of debt you can afford. The court will look at your ability to repay your debt through a process called a “means test.” Even if the court decides that you should pay 100% of your debt, there are still advantages to paying back your debt using a Chapter 13. The biggest advantage is that you don’t have to pay back the interest on most unsecure debts (such as credit cards or medical debt). Another advantage of filing a Chapter 13, even if you have to pay back all of your debt, is that sometimes creditors don’t file the necessary paperwork to get paid. In those situations, the creditor does not get paid and the unsecure debt goes away. Most people who qualify for a Chapter 7 chose to file under that title, though there are a few exceptional circumstances where one might want to file under a Chapter 13. For example, if you want to keep an asset which would be liquidated in a Chapter 7. Going with a Chapter 13 can also help reduce a car payment if you want to keep your vehicle.