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Declaring Bankruptcy in Bakersfield, CA?
How Much Does It Cost To File For Bankruptcy?
Filing for Bankruptcy is not costly, and it has the potential to relieve a significant amount of your debt. However, if you truly cannot afford the costs of Bankruptcy, there are other options for you. 
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What If I Have Already Filed For Bankruptcy?
It is possible to file for Bankruptcy more than once, under certain limitations.
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I'm Being Sued By A Creditor, What Are My Next Steps?
If you have already been sued by a creditor or your lender has already accelerated the note and intends to foreclose it might be too late to negotiate. At any moment your home might be sold, wages might be garnished, or bank accounts might be levied. Consider filing bankruptcy to immediately stop your lenders and creditors from any further collection activities. Don't run the risk of waiting until it's too late.
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What If I Have No Way Of Paying Off My Debts?
Depending on your situation, filing for Bankruptcy under Chapter 7 and Chapter 13 can eliminate the legal obligation to pay some or all of your debts. This is called a "discharge" of your debts.
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Am I Required To Pay My First and Second Mortgages in Full?
In a Chapter 13 bankruptcy, you may be able to file a LAM motion an Adversary Proceeding against your second lender (depending on your judge) to remove the second mortgage from title. Under this scenario, you would own your home free and clear of the second mortgage.
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How Do I Know If I Am Eligible For A Chapter 7 Bankruptcy?
You will be required to present a Statement of Current Monthly Income and a Means Test Calculation so that the court may determine whether you are able to pay creditors. If your current monthly income is equal to or below the state's highest median family income for a family of the same size, you are automatically eligible to file under Chapter 7. If you're above the median income level you will be required to complete and file the "long-form" means test. Ultimately, even if If you are ineligible for a Chapter 7, you have the option to file a Chapter 13 petition where you might be required to pay back a percentage of your debts in the Chapter 13 plan.
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