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  • 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

Do I Have Too Much Debt For Bankruptcy?

Sometimes my clients wonder if there are any limits to the amount of debt they can have if they want to file bankruptcy. There is no limit to the amount of debt you can discharge through a Chapter 7. Chapter 13’s, however, are a different story. You can’t have more than $394,725 and/or $1,184,200 in unsecured and secured debt respectively. If your debt level exceeds one or both of these caps, then you have a couple options.

Firstly, you might be able to reduce the debt which counts towards your limits by paying off some of it. Another way to reduce your debt into the qualifying range is to file a Chapter 7 and then follow it up with a Chapter 13. Filing the Chapter 7 would discharge your unsecured debt, allowing you to qualify for a Chapter 13 so long as your secured debt is under $1,184,200. Though this is only an option if you haven’t filed a Chapter 7 in the past eight years or a Chapter 13 in the past four years and otherwise qualify for a Chapter 7.

If you’re in the Stockton area and have any questions regarding qualifying for Roseville bankruptcy, don’t hesitate to give our office a call for a free consultation.

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