AUGUST BULLOCK

Chico
bankruptcy
attorney

Helping people file chapter 7 and chapter 13 bankruptcies since 1988.

The path to Chico debt relief begins here

Stop the worries

Stop the bills

start a new life

Chico Bankruptcy Attorney August Bullock (530) 487-8756

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Free bankruptcy consultation in Chico

Chico Bankruptcy Attorney August Bullock
(530) 487-8756

Most Chico bankruptcy lawyers take on lots of cases – and then hire a staff to keep up with the volume.

I employ the opposite approach. I handle only a few chapter 7 and chapter 13 bankruptcy cases at a time, and give each client my undivided, personal attention.

I can accommodate your schedule. Home visits to discuss your bankruptcy options are possible, if that is convenient for you.

I have been a bankruptcy attorney since 1988 and a Chico bankruptcy attorney since 2016. In the 1990s I had a prominent bankruptcy practice in San Francisco. I employed a large staff and advertised in 11 newspapers. I have personally handled over 1,500 chapter 7 and chapter 13 cases, and have appeared at thousands of bankruptcy court hearings.

Today I attend to each and every detail myself. Your chapter 7 or chapter 13 bankruptcy case will progress smoothly and efficiently, and your debts will be eliminated to the greatest extent permitted by law.

I moved to Chico around 2016. My office is near Trader Joe’s, behind K-Mart. If you give me a call I will be happy to discuss your bankruptcy options with you. If you click on my photo you can watch a short video that will help you relieve some of your financial stress.

Debt lawyer near me: Are you looking for a debt lawyer near you? Please give me a call. I have been helping people solve their debt problems since 1988. My bankruptcy law office is in Chico.

Credit card bills
Auto repossessions
Payday loans
Wage garnishments
Bank levies
Chapter 7 and chapter 13
Affordable payment plans

CHAPTER 7 & CHAPTER 13 Bankruptcies in chico

Chapter 7: An Affordable Solution

You have probably come to this page because you are experiencing financial hardship.

A chapter 7 bankruptcy may provide an honorable and affordable solution to your problems.

In many cases, a chapter 7 bankruptcy will allow you to eliminate all your medical bills, credit cards, and other unsecured debts, and retain all your property. A chapter 7 is also known as a liquidation bankruptcy.

Sometimes income tax debts that are more than three years old can also be eliminated. Child and spousal support cannot be eliminated.

Student loans can only be discharged if you are able to prove “undue hardship” which is extremely hard to do.

Chapter 7 is often an affordable option for people that don’t have too much income or don’t have a lot of property. Whether it will work for you depends on your household size and other factors. If you give me a call I will be glad to analyze your individual situation on the phone.

reviews

Honest reviews from real people

5 stars Mr. Bullock is an exceptional lawyer. I want to thank him for his exceptional service and dedication to my case. There are many lawyers but nobody like Mr. Bullock. He cares for the well being of his clients. Thank you once again Mr. Bullock. Words can't explain how grateful I am.

5 Stars. I have known August for over 10 years . He was helping me and my family in very difficult financial situations. All the time he was very informed in the matter and extremely helpful! Just recently he saved me tones of money and I really, really grateful to him! I would definitely recommend August as a bankruptcy attorney to anybody who needed one.

5 Stars. August was very helpful during our financial challenges this past October! We had many unique challenges in our case and August knew how to take care of them all like a pro. Things went very well and we completed everything we had hoped to accomplish. We are now able to move forward with our financial life thanks in a HUGE part to August! He was on top of all paperwork and communicated every step of the way. THANK YOU!

How Long does a chapter 7 take?

Will I qualify for a chapter 7?

Most chapter 7 bankruptcies last about three or four months. Usually, your hearing is set from about three weeks to a month and a half after the file date. The case usually ends a little more than 60 days after the hearing date. That makes the total time about three or four months.

All collection activity ceases as soon as the case is filed. You won’t be aware of much happening while the case is pending.

A chapter 7 will work best if you don’t own too much property and you don’t make too much money.

You can own a house with a least $300,000 equity, or you can own approximately $30,800 property in any form. You also are allowed an inexpensive car (or a car that you have a loan against.) You can also keep your household goods and retirement accounts.

Your income is definately low enough if you earn less than $5,245 gross for a single person, $6,953 gross if you are a houshoeld of 2, $7,728 if you are a household of 3, and $8,878 gross if you are a houshold fo 4. These numbers increase periodically. (I am writing this in February, 2022.)

If your income is above these thresholds you might still qualify if you have deductions that are allowed on the means test. These include unusually large medical expenses and charitable contributions. If you provide me with the information I can figure out if you qualify. If you do not, you may want to consider a chapter 13 instead of a chapter 7.