Bankruptcy

Attorney Helping You File For Bankruptcy

Filing for bankruptcy can provide you with a much-needed opportunity to shed your debts and get a fresh start. I am bankruptcy attorney William J Howell, and I am here to help you get that fresh start.

If you come to one of my offices in Palm Springs, Palm Desert or La Quinta, California, for a free consultation, I will take the time to explain the details of the bankruptcy process and how I can help you. I have spent over 35 years assisting debtors throughout the Coachella Valley, including in Palm Springs, Palm Desert, La Quinta and Indio, and I can provide the same high-quality service to you.​

Which Chapter Of Bankruptcy Protection Should I Seek?

This is a common question that clients ask me. As your lawyer, I will learn everything possible about your financial situation to determine which chapter you qualify for and which will give you the greatest chance of a successful outcome. I help clients seek bankruptcy protection under two chapters of the U.S. Bankruptcy Code:

  • Chapter 7: Otherwise known as “liquidation bankruptcy,” this process can be completed in as little as three months and works best for people without unencumbered non-exempt assets who meet the qualification limits. Click here for more information.
  • Chapter 13: Known as “reorganization bankruptcy,” this process involves several years spent making monthly debt payments. It is typically reserved for people who don’t meet the income qualification limits, have non-dischargeable debts such as certain taxes or student loans or who have unencumbered non-exempt assets. Click here to learn more about Chapter 13.

No matter which chapter you choose, bankruptcy’s automatic stay will protect you from foreclosures, repossessions, wage garnishments, levies, lawsuits, IRS collection activities and creditor harassment, while giving you the time you need to get your finances in order for a fresh start.

Contact A Bankruptcy Lawyer To Get The Legal Representation You Need

If you are considering filing for bankruptcy, you should not have to go through the process alone.

Just send me an email or reach the offices of William J Howell A Professional Corporation at 760-898-5259 to schedule a free, no-obligation consultation first. I can protect your rights and craft a strategy that meets your unique needs.

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