Frequently Asked Questions

Bankruptcy questions and answers below are from our clients. They are general in nature. Please contact a bankruptcy attorney and debt relief lawyer for a more specific advice on your specific financial situation. . Please contact the San Jose Bankruptcy Debt Relief Law Office of Geoffrey Nwosu located in Silicon Valley, Bay Area at 408-912-5983 or www.nwosulaw.com for a confidential free consultation.

1.  What can Bankruptcy do for me?

Bankruptcy is a federal protection that allows you to reorganize, discharge, eliminate and liquidate your debts so that you can start over and get a fresh start.

2.  What area of bankruptcy will Nwosu bankruptcy firm accept?

We accept chapter 7 bankruptcy and chapter 13 bankruptcy cases. Chapter 7 bankruptcy is also known as liquidation bankruptcy that discharges and eliminates most unsecured debts. Exempt assets are protected in chapter 7 bankruptcy fling while non exempt assets are must be turned over to the trustee to be liquidated and distributed to creditors.  A Chapter 13 bankruptcy is also known as wage earner or bankruptcy reorganization where debtors can keep their property and pay back a portion of their debts to the bankruptcy trustee over 3 to 5 years who now distributes it to the creditors.

3.  How much does it cost to file bankruptcy?

Filing fee for chapter 13 bankruptcy is $274 and $299 for a Chapter 7 bankruptcy.  Debtor will pay small fee to take two required bankruptcy classes. Our attorney fees will vary depending on the complexity of each bankruptcy case. Chapter 13 is usually more expensive than Chapter 7 because it involves additional time and work to prepare and propose the payment plan and work with the bankruptcy trustee.

4.  Can I discharge taxes or students loan by filing bankruptcy?

Most recent taxes and student’s loan are not dischargeable. You may be able to discharge certain taxes that are older than 3 years since the tax was due. You must show undue hardship to discharge student loan. Please contact the San Jose Bankruptcy Debt Relief Law Office of Geoffrey Nwosu located in Silicon Valley, Bay Area at 408-912-5983 for a confidential free consultation.

5.  Can I discharge my child support or alimony payments by filing bankruptcy?

Absolutely no, child support and alimony are among the debts that cannot be discharged in filing bankruptcy. Bankruptcy attorney Geoffrey Nwosu will be happy to evaluate your case for free.

6.  Can I stop wage garnishment by Filing Chapter 7 Bankruptcy in Federal Court?

One legally approved way to stop a wage garnishment is by filing for bankruptcy. Filing bankruptcy petition in federal court activates the power of automatic stay that prohibits all of your creditors from taking any action to collect or enforce debts and judgments temporally until the court issues a relief from automatic stay or decides on the case. Please contact the San Jose Bankruptcy Debt Relief Law Office of Geoffrey Nwosu located in Silicon Valley, Bay Area at 408-912-5983 for a confidential free consultation.

7. Can I protect my home or car by filing bankruptcy?

You can keep your car or your home by filing chapter bankruptcy. It is very advisable that you consult a bankruptcy lawyer to evaluate which bankruptcy chapter will be better for your specific financial situation. Our bankruptcy law office has done this for many people and will do it for you.

8.  Can we file bankruptcy jointly or separately?

You can definitely file separately or jointly with your wife. However, California is a community property state meaning that property that is not exclusively the separate property of your spouse could be affected.  Some creditors may also pursue your spouse for recovery. Please consult with a bankruptcy attorney to see how this will affect you.

9.  How can I improve my credit score after bankruptcy?

Many debtors have already had their credit scores lowered before filing bankruptcy. Filing for bankruptcy actually offers them a true opportunity for a fresh start to rebuilding their already bad credit. A good approach is to pay with cash whenever possible. Then, start with secured bank credit card, friendly stores, and car finance.

10. How often can I file bankruptcy?

You cannot file for chapter 7 bankruptcy if you have received chapter discharge within the last 8 years or a discharge in a previous Chapter 13 bankruptcy within the past 6 years.

Looking for a free Bankruptcy help with a San Jose Bankruptcy Attorney and California bay Area Bankruptcy Lawyer?

We are San Jose bankruptcy lawyers and California debt relief attorneys. A San Jose bankruptcy attorney at our bankruptcy law office will speak to you for free about filing bankruptcy. We serve clients that are having financial difficulties to eliminate their debts, wipe it off and start fresh. Our Federal bankruptcy Code allows you to do just that if you qualify. A bankruptcy lawyer at Nwosu bankruptcy law center will consult with you for free to discuss your bankruptcy options. We have assisted many clients in fling bankruptcy in Santa Clara County, Alameda County, Contra Costa County and San Francisco County. Please contact the San Jose Bankruptcy Debt Relief Law Office of Geoffrey Nwosu located in Silicon Valley, Bay Area at 408-912-5983 or www.nwosulaw.com for a confidential free consultation.

The bankruptcy Law Office of Geoffrey Nwosu is located in San Jose Campbell Bay Area Ca. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.


Our Bankruptcy & Personal Injury attorneys provide bankruptcy, personal injury accident services to Santa Clara County, Alameda County, Monterey County and Santa Cruz County areas including the cities of San Jose, Gilroy, Morgan Hill, Salinas, Monterey Valley, Sunnyvale, Cupertino, Campbell, Santa Clara, Milpitas, Fremont, Hayward, Union City, Oakland, Pleasanton, Antioch, Tracy, Los Gatos, Saratoga, Los Altos, East Palo Alto, Mountain View, Redwood City, and Santa Cruz

The information you obtain at this site is not intended to be legal advice nor to create an Attorney Client relatiomship. You should consult an attorney for advice regarding your individual situation. Please do not send any confidential information to us before establishing an attorney-client relationship. For a free case evaluation and consultation call 408-912-5983
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