Name: The Law Offices Of William Radcliffe
Address: North La Cadena Drive, Colton, CA, 92324-2926, US
Telephone: (909) 217-2134

Take Control Of Your Life Today So You Can Rebuild Tomorrow!

Call Us: (909) 217-2134

Email Us: docoflaw@aol.com

Bankruptcy Attorney Serving The Inland Empire & Orange County

PRACTICE AREAS

We Can Help You Stop

Debt Collectors

Repossession

Tax Issues

Medical Bills

Lawsuits

Wage Garnishment

Foreclosures

Upgrade to remove watermark

www.marketpushapps.com

1000+

Cases Handled

41

Years Of Experience

500+

Reviews

100%

Success Rate

OUR COMMITMENT

At The Law Offices Of William Radcliffe, we are committed to empowering our clients with the legal tools and knowledge they need to achieve a fresh financial start. Our team is dedicated to providing compassionate support and tailored strategies to address each client's unique financial challenges.

Chapter 7 bankruptcy is intended for individuals facing significant financial hardship who cannot afford to repay their debts. Those with primarily consumer debts must undergo a “means test” to determine eligibility. If your income exceeds the median level for your state and household size, creditors may file a motion under § 707(b) of the Bankruptcy Code, requesting that the court dismiss your case. The court will ultimately decide whether the case can proceed.

Under Chapter 7, most assets are exempt, and the majority of filers retain all their belongings. In Chapter 13, you have the option to keep all assets since unsecured debts are typically treated as if they were paid in full. Regardless of the bankruptcy chapter, all assets must be disclosed when filing.

The goal of filing for Chapter 7 is to receive a discharge of qualifying debts. However, if the court finds evidence of misconduct, such as fraud, it may deny the discharge, undermining the purpose of the bankruptcy filing. Seeking proper legal guidance is essential to ensure a successful outcome.

Chapter 7 generally eliminates most unsecured debts, but some obligations remain. These may include certain taxes, student loans, debts incurred to pay non-dischargeable taxes, child support, alimony, criminal fines, penalties, restitution, and obligations from personal injury caused by driving under the influence. Additionally, debts related to fraud, breach of fiduciary duty, theft, or willful and malicious actions may not be discharged if successfully challenged by a creditor.

Chapter 13 bankruptcy is an option for individuals with a steady income who want to repay some or all of their debts over time through a structured payment plan. To qualify, your total debts must not exceed specific limits set by federal bankruptcy law.

Under Chapter 13, you must submit a repayment plan to the court, detailing how you will use your future earnings to pay creditors. Depending on your income and other factors, the repayment period is typically three to five years. Before taking effect, the plan must receive court approval.

Once you complete the required payments, most remaining debts are discharged, though certain obligations may still be owed. These include domestic support payments, student loans, some taxes, criminal fines, restitution, certain debts not properly listed in your case, and specific long-term secured debts.

One key benefit of Chapter 13 is that it allows you to retain assets such as your home, vehicle, and personal property, as debts and arrears are consolidated into a manageable payment plan.

Your monthly payment amount is determined by subtracting necessary living expenses from your net income. The remaining funds go to a court-appointed trustee, who distributes payments to your creditors.

Chapter 13 is not a loan but a federally structured repayment plan that reduces monthly payments by spreading them over an extended period. It is available to individuals who have:

A consistent source of income
Total debt not exceeding $2.75 million

If your remaining income is insufficient to pay off all debts within the designated timeframe, unsecured and some secured debts may be reduced. Depending on your financial situation and local court guidelines, you may repay anywhere from 0% to 100% of the outstanding balance.

Additionally, Chapter 13 eliminates interest on most unsecured debts and certain secured debts, making repayment more affordable by reducing both the owed amount and the interest burden while providing more time to pay.

Our Vision

Schedule Your Free, Remote or In
Person Consultation Today!

Schedule Appointment

Wendy G, IE

I've known Mr and Mrs Radcliff for years, Always very professional, knowledgeable and very Dependable!! They have helped me with several services, there prices are very fair!!

ATTORNEYS

Meet Your Attorney

WILLIAM RADCLIFFE

FOUNDER & BANKRUPTCY ATTORNEY

Tel: (909) 217-2134
Email: docoflaw@aol.com

CONTACT

Get In Touch

VISIT OUR OFFICE

595 N La Cadena Dr, Colton, CA. 92324

Email

Current CLIENTS only

Please be sure to include your full name, and your case number, if applicable.

Email: docoflaw@aol.com

Our Mailing Address

4195 Chino Hills Pkwy, Chino Hills, CA 91709

Please be sure to include all necessary documents when sending items by mail.

PLEASE NOTE:

(We are not responsible for lost or stolen documents sent via Mail.)

Phone