Kerry Denton | Attorney

To erase your debt, call Chula Vista bankruptcy attorney Kerry Denton.

 
Are your debts affecting your everyday life? A Chula Vista bankruptcy attorney can help you get a fresh start.
 
There are many different reasons why you can end up overwhelmed with debt. Some people are faced with an unforeseeable emergency, like an accident or diagnosis, which leaves them with a mountain of medical bills. Some people go through a painful divorce, lose a spouse, or lose a job. Others have been deeply affected by the recent recession. Still others have simply made mistakes with credit cards or money management.

But whatever the reason, you are probably struggling with certain worries, emotions, and questions:
Will I ever be able to pay off my debt?
Do I qualify for bankruptcy?
Is my credit score ruined forever?
Is bankruptcy the right choice for me?
Can I get the debt collectors to stop harassing me?
Should I consider debt consolidation or debt settlement?
Does declaring bankruptcy make me a bad person?
Will I be able to keep my home and my car?
Should I file for Chapter 7 bankruptcy or Chapter 13 bankruptcy?
 
Since 1990, bankruptcy attorney Kerry Denton has been helping his clients answer the above questions, navigate the bankruptcy process, and get a fresh start in life. At his Southbay Bankruptcy law offices in Chula Vista, Denton is dedicated to giving each of his clients the personal attention they need, guiding them through petitioning for bankruptcy individually, answering questions face-to-face, and attending all meetings personally.
 
With over 20 years of experience, Kerry Denton does not believe in rushing clients through the process, handing them off to others, or treating any two bankruptcy cases as the same. Instead, together with a small team of paralegals, he believes in education, thoroughness, and, ultimately, debt relief for those who need it. At Southbay Bankruptcy, Kerry will help you:
 
Get the creditors and collectors to stop calling your home.
Determine whether bankruptcy is right for you and what type of bankruptcy fits your situation.
Understand what kinds of debts you have as well as what your assets are.
Get answers to all of your questions about bankruptcy.
Guide you through the bankruptcy process from beginning to end.
Pinpoint your future financial goals and discuss how to reach them successfully.
 
Which type of bankruptcy should you file for in California?
 
Most individuals seeking debt relief should either file for Chapter 7 bankruptcy or Chapter 13 bankruptcy. Each type of bankruptcy has been designed by lawmakers to address different financial issues and situations.
 
Chapter 7 bankruptcy, also known as liquidation bankruptcy, is a faster and simpler form of bankruptcy that is ideal for those who do not own property and those who do not have a regular income. If you qualify under the means test, most of your unsecured debt can be completely eliminated in a short timeframe.
 
Chapter 13 bankruptcy, also known as reorganization bankruptcy, allows debtors three to five years to make payments to creditors through a debt consolidation plan. Ideal for homeowners with regular incomes, this type of bankruptcy often allows you to keep your assets while eliminating your debts through easy monthly payments to a trustee.
 
It can often be difficult to know which type of bankruptcy is best for your individual money situation. Speak with Kerry Denton today to learn more about which solution can provide the most debt relief for you.
 
Meet with bankruptcy lawyer Kerry Denton, and take your first step toward debt relief.
 
Having large amounts of debt can affect every aspect of your life, including your financial future, your personal relationships, and your physical health. Unfortunately, worrying about debt, ignoring the bills and the calls, or keeping your debt a secret won't do anything to solve the problem and help you move forward. The option to declare bankruptcy was created by lawmakers over 200 years ago as a way for those deeply in debt to get a second chance and start again. It exists today for the same reason: to give Americans the opportunity for a clean slate and future success.

Want to learn more? Talk to Kerry Denton today about your best options for debt relief. Schedule a free, no-obligation meeting at Southbay Bankruptcy by calling. Take a step toward a fresh start.

Chapter 7 Bankruptcy
If you are struggling to stay afloat financially, chapter 7 BK may be an option. Contact a Southbay bankruptcy attorney to learn more.

Chapter 13 Bankruptcy
Are you looking for a type of bankruptcy that could help you reorganize and consolidate your debts? Are you facing a home foreclosure or property repossession? Chapter 13 bankruptcy may be the right choice for you. If you are looking to create a sensible debt repayment plan that you can handle, and if you would like to keep important property, such as your home, then speak to a Chula Vista bankruptcy lawyer today about filing for Chapter 13 bankruptcy. Help you and your family get a fresh start, and find financial freedom.