Chapter 7 Bankruptcy

Oceanside Chapter 7 Bankruptcy Lawyer

Helping Clients in San Diego County File for Bankruptcy

If you are struggling with overwhelming debt, you have options. Bankruptcy is a legal process that can help you get a fresh start by eliminating or reducing your debts. The Sexton Law Firm can help you explore your options and guide you through the bankruptcy process.

Call The Sexton Law Firm today at (619) 202-8976 to discuss your options today.

What Is Chapter 7 Bankruptcy?

Chapter 7 is a form of bankruptcy that involves the liquidation of a debtor's non-exempt assets to pay back debts. This type of bankruptcy is often referred to as "straight bankruptcy" or "liquidation bankruptcy."

Chapter 7 bankruptcy is typically used by individuals, but can also be used by small businesses. Chapter 7 bankruptcy can be used to discharge:

  • Unsecured debts, such as credit card debt and medical bills
  • And some secured debts, such as a car or house

Chapter 7 is a good option for individuals who do not have significant assets and who have high levels of unsecured debt. It can be a good choice for individuals who do not want to deal with the monthly payments associated with a Chapter 13 repayment plan.

Chapter 7 Eligibility

To be eligible for Chapter 7 bankruptcy, you must pass a means test. This means test determines whether you have enough disposable income to repay your debts.

The Sexton Law Firm can help you determine your eligibility for Chapter 7 bankruptcy and can also help you determine if you are eligible to file for Chapter 13 bankruptcy.

If you have previously filed for bankruptcy, you may not be able to file for Chapter 7 for a minimum of eight years. Speak with a bankruptcy attorney at The Sexton Law Firm to help determine if you are eligible to file for Chapter 7.

The Sexton Law Firm Can Help You File for Chapter 7 Bankruptcy

The Sexton Law Firm can help you determine if Chapter 7 bankruptcy is right for you. We can also help you navigate the bankruptcy process, from start to finish.

Some of our services include:

  • Providing legal counsel throughout the bankruptcy process
  • Helping you determine whether you are eligible to file for bankruptcy
  • Helping you gather and organize necessary paperwork for your bankruptcy
  • Assisting you with any creditor meetings that are required
  • Helping you determine which bankruptcy option is right for you
  • Helping you file for bankruptcy
  • Helping you develop and execute a debt repayment plan
  • Providing guidance on how to handle tax debts

Bankruptcy can be a confusing and overwhelming process. The Sexton Law Firm can help you navigate the legal process and can help you get a fresh financial start.

Contact Our Oceanside Chapter 7 Bankruptcy Lawyer Today!

At the Sexton Law Firm, we will provide you with high-quality legal services in a compassionate and professional manner. Our team is here to help make this difficult process as easy as possible. We offer flexible payment plans for our clients so that they can afford the quality representation they deserve.

Contact us today at (619) 202-8976 to discuss your eligibility for Chapter 7 bankruptcy in Oceanside.

Why Hire The Sexton Law Firm?

Get the Representation You Deserve
  • We Listen to Your Story and Create a Strategy to Achieve Your Goals
  • With offices in Chula Vista, Oceanside, and La Mesa, we serve clients throughout all of Southern California
  • We Offer Free Consultations - Regardless of the Legal Matter
  • We Offer Phone and Video Consultations For Your Safety and Convenience
  • We Are Bilingual and Serve Our Clients in English and Spanish
  • We Are a Family Owned and Operated Law Firm

Attorneys Dedicated to Protecting Your Legal Rights

Contact Us Today

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Hear From Our Happy Clients

At The Sexton Law Firm, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

    “He allowed me to vent, responded accordingly, and return my text message as if we were friends.”
    Through this very difficult period in my life, I reached out to the Legal Aid Society and they assigned a Lawyer to assist me in filing for bankruptcy protection. Andrew Sexton took the time to speak with me on the phone, he walked me through the process with detailed emails explaining what I needed to do in order to make the process go smoothly. He allowed me to vent, responded accordingly, and return my text message as if we were friends. Everything was conducted electronically, and on the phone, we never met in person…. Amazing. I highly recommend this firm with handling your financial issues regarding Bankruptcy. Thanks, Mr. Sexton for your professionalism and your due diligence in regard to my case
    - Brian Powell
    “From the very beginning, they were professional and very efficient in dealing with my case.”
    I was in a car accident back in July and got rear-ended because some guy was rushing on his way to work, you would think the guy would want to save more time by not filling out a police report and dealing with lawyer stuff but I guess not. I went on Google and found the Sexton Law Firm. From the very beginning, they were professional and very efficient in dealing with my case. I had the pleasure of meeting the head honcho, James Sexton. He was very personable and reassuring in taking care of my case. My case was dealt within one year, he even helped me get the medical assistance I needed. The entire time the law firm sent out ongoing emails giving me updates and letting me know how long I would have to wait for a response from the other party.
    Everything worked out perfectly, In the event that I am ever in another accident, I would definitely hire this firm again to handle it. Do I recommend them? Yes I do!
    - Jen Miller
    “They gave me outstanding service!”
    Andrew and his staff at James Sexton law firm are very courteous and professional when handling my bankruptcy. I was a little nervous going into this but came out feeling unstressed. I was given a list of paperwork to submit and after doing so they responded quickly and efficiently to handle the situation. My bankruptcy was finalized within 3 months. They gave me outstanding Service! Andrew Sexton follows in his father's footsteps as a professional and competent attorney. Thank you, If I could I would give 6 stars for service!
    - Michael Harkiewicz
    “I would highly recommend this law firm for anyone needing help!”
    The Sexton Law Firm was very helpful during the entire process. Andrew was very helpful and knowledgeable. However, Asia was the most helpful. She answered all my questions and relieved my worries about the progress of my case. I would highly recommend this law firm for anyone needing help with bankruptcies.
    - Ginger Russ
    “His council was well received, and it was honest.”
    I was referred to Mr. Andrew Sexton at a time of great need, confusion, and embarrassment. His council was well received, and it was honest, offered clarity, and calmed four shoulders worth of concerns. I would recommend that your consideration for representation would be met with the same regard. Very grateful for his time, knowledge, and resources.
    - Chris Myers
    “A very personable and professional team.”
    Mr. James Sexton has a very personable and professional team. His case manager Juliana Alvarez and office manager Tania Contreras, are great!! I do not have enough adjectives to describe them. And as for Mr. Sexton, he listens to every word and is forward reaching in his direction with my case. Thank you all and big hugs at these holiday moments and be safe with this pandemic.
    - David Phelps
    “We got called in and were out in minutes! Sexton made the process so easy and stress-free!”
    I am very grateful for the Sexton Law Firm! Patient, professional, and quick! I needed to file bankruptcy and they reassured me countless times of the process, how easy it will be, everything will be okay, and that I am not a bad person for filing! When arriving at the courthouse, he explained what will happen and what to say. We got called in and were out in minutes! Sexton made the process so easy and stress-free!
    - Erika Peterson
    “Top level lawyers who know how to win a case for their clients!”

    The Sexton law firm represented me in a facility injury case. Their professionalism and handling of my case was A+. The case was rapidly handled and settled in record time. The staff and the lawyers at this firm always kept me abreast of my case and gave me many options to resolve my case. My case was resolved in record time. I am extremely happy with my settlement and I am glad that I chose this great law firm to represent me. This law firm are top level lawyers who know how to win a case for their clients. I highly recommend this law firm to anyone who needs a lawyer. This law firm gets Five Stars because they earned it in my case settlement result. This review is real and from the bottom of my heart I sincerely thank the Sexton Law Firm and it’s staff and I am very grateful and thank them again for their services in my case.

    - Ronnie Brooks