Living Trust Attorney, El Cajon California.

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Chapter 7 Bankruptcy Exemptions Chula Vista, Chapter 7 Attorney

Call (619) 44706780

List of Bankruptcy Exemptions for CA, Chapter 7 Bankruptcy Exemptions

Chapter 7 Bankruptcy Exemptions, 703 & 704. Chapter 7 Chula Vista Attorney

Find out what assets are exempt in California. List of bankruptcy exemptions for real, personal property and other assets. Know what property are exempt before filing your bankruptcy.

Chapter 7 Bankruptcy Exemptions, California Exemptions. Chula Vista Attorney

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Chapter 7 Chula Vista Bankruptcy Exemptions, Chapter 7 Bankruptcy

Bankruptcy Law Office Law Office is a Short Drive From Spring.

Free Parking and next to two major freeways

 

  Chapter 7 & 13 Attorney David A. Casey  

365 Broadway, Suite 203, El Cajon, California

(619) 447-6780

Attorney for over 25 years

Chula Vista, CA We are a debt relief agency. We help debtors to file for relief under the Bankruptcy Code.

Map to Bankruptcy Law office Click here

 Chapter 13, Chapter 7 Bankruptcy

LIST OF CALIFORNIA EXEMPTIONS

You can only use one of the set of exemptions. Either under section California Civil code, (CCC) 704 or CCC 703 to protect your assets. You are not allowed to pick from both of them.  These code sections are updated every three years. 

The revision will be in 2010. 

California Exemptions - Description of Assets

Option 1   -  C.C.C. 704

Code Section
HOMESTEAD

This applies to real or personal property you occupy (can live in) including mobile home, boat, cooperative, community apartment, planned development or condo.

The Exempt amount to $75,000 if single and not disabled; $100,000 for families if no other member has a homestead (if only one spouse files, may exempt one-half of amount if home held as community property and all of amount if home held as tenants in common), $175,000 if 65 or older, or physically or mentally disabled; $175,000 if 55 or older, single and earns under $15,000 or married and earns under $20,000 and creditors seek to force the sale of your home; sale proceeds exempt for 6 months after received (husband and wife may not double).

California bankruptcy exemptions protects your property from creditors. List of bankruptcy exemptions. Free consultation with a Bankruptcy Attorney, near Chula Vista, CA

704.710,

704.720,

704.730

List of bankruptcy exemptions for California real and personal property. Know what property are exempt. Free chapter 7 & 13 consultation, Chula Vista CA

 

PERSONAL PROPERTY

Appliances, furnishings, clothing and food needed

704.020
Bank deposits from Social Security Administration to $2,700.00

($4,050 for husband and wife)

Bank deposits of other public benefits to $1,350 ($2,025 for husband and Wife)

704.080
Building materials to $2000 to repair or improve home (husband and wife may not double) 704.030
Burial plot 704.200
Health aids 704.050
Jewelry, heirlooms and art to $6,750 total (husband and wife may not double) 704.040
Motor vehicles to $2,550, or $2,550 in auto insurance if vehicle(s), lost, damaged or destroyed (husband and wife may not double) 704.010
Personal injury and wrongful death causes of action 704.140 (a)

704.150 (a)

Personal injury and wrongful death recoveries needed for support; if receiving installments, at least 75% 704.140(b), (c), (d),

704.150 (b), (c)

May file homestead declaration 704.920
INSURANCE

Disability or health benefits

704.130
Fidelity bonds Labor 404
Fraternal unemployment benefits 704.120
Homeowner’s insurance proceeds for 6 months after received, to homestead exemption amount 704.720 (b)
Life Insurance proceeds if clause prohibits proceeds from being used to pay beneficiary’s creditors Ins. 10132, Ins. 10170,

Ins. 10171

Matured life insurance benefits needed for support 704.100 (c)
Unmatured life insurance policy loan value to $10,775 (husband and wife may double) 704.100 (b)
MISCELLANEOUS

Business or professional licenses

695.060
Inmates’ trust fund to $1,350 (husband and wife may not double) 704.090
Property of business partnership Corp. 15025
PENSIONS

County employees

Gov’t 31452
County firefighters Gov’t 32210
County Law Enforcement officers Gov’t 31913
Private retirement benefits, including IRAs, 401K and Keoghs   (Rational and Roth IRA's to $1,095.00) 704.115
Public employees Gov’t 21201
Public retirement benefits 704.110
PUBLIC BENEFITS

Aid to blind, aged, disabled, AFDC

704.170
Financial aid to students 704.190
Relocation benefits 704.180
Unemployment benefits Form the State 704.120
Union benefits due to labor dispute 704.120(b)(5)
Workers’ compensation 704.160
TOOLS OF TRADE

Commercial Vehicle (vehicle Code 260) to $4,850 ($9,700 total if used by both spouse in same occupation)

 

TOOLS OF TRADE

Tools, implements, materials, instruments, uniforms, books, furnishings, equipment, vessel, motor vehicle to $6,750 total; to $13,475 total if used by both spouses in same occupation (cannot claim motor vehicle under tools of trade exemption if claimed under motor vehicle exemption)

704.060
WAGES

Minimum 75% of wages paid within 30 days prior to filing

704.070
Public employees vacation credits; if receiving installments, at least 75% 704.113


Option 2  
 Most of this is under CCC 703

NOTE: Married couples may not double any exemptions listed below. In other words they treat a married couple as a single entity and not as two individuals. 

California Exemption Description of Assets LAW SECTION

HOMESTEAD

Real or personal property, including co-op, Condos, mobile home used as residence to $20,725; unused portion of homestead may be applied to any property

703.140 (b)(1)

PERSONAL PROPERTY

Animals, crops, appliances, furnishings, household goods, books, musical instruments and clothing to $450 per item

703.140 (b) (3)
Burial plot to $20,725, in lieu of homestead 703.140 (b) (1)
Health aids 703.140 (b) (9)
Jewelry to $1,350 703.140 (b) (4)
Motor vehicle to $3,300 703.140 (b)( (2)
Personal injury recoveries to $20,725 (not to include pain and suffering; pecuniary loss) 703.140 (b) (11) (D, E)
Wrongful death recoveries needed for support 703.140 (b) (11) (B)
Insurance - Unmatured Life insurance Contact accrued avails to $11.075 703.140 (b) (11) (8)
INSURANCE

Disability benefits

703.140 (b) (10 (C)
Life insurance proceeds needed for support of family 703.140 (b) (11) (C)
Unmatured life insurance contract accrued avails to $9,300 703.140 (b) (8)
Unmatured life insurance policy other than credit 703.140 (b) (7)
MISCELLANEOUS

Alimony (Spousal Supprt), child support needed for support

703.140 (b) (10) (D)
PENSIONS

Traditional and Roth IRAs, to 1,095.00 per person.

11 U.S.C. 522(b)(3)
PENSIONS

ERISA-Qualified Benefit for Support

703.140(b)(10)(e)
PENSIONS

Tax- exempt Retirement Account, Including 401K, 403(b)'s, Profit-sharing and Money Purchased plan, SEP and Simple IRAs and defined benefit plans.

703.140 (b) (10) (E)

11 U.S.C. 522(b)(3)(c)

PUBLIC BENEFITS

Crime victim’s compensation

703.140 (b) (11) (A)
Public Assistance 703.140 (b) (10) (A)
Social Security 703.1400 (b) (10) (A)
Unemployment compensation 703.140 (b) (10) (A)
Veterans’ benefits 703.140 (b) (10) (B)
TOOLS OF TRADE

Implements, books, and tools of trade up to $2,075

703.140 (b) (6)
WAGES

NONE

 
WILD CARD

$1,100 of any property

703.140 (b) (5)
Plus unused portion of homestead or burial exemption, of any property 703.140 (b) (5)

When you come into my office you will not be treated like a number.  For over 25 years I have given personal service to my clients in Chula Vista, and in the East County of San Diego.  My law office is not a bankruptcy mill. We are honest and upfront about bankruptcy fees and costs.  You get personal bankruptcy debt relief advice. 
 

Office Location: 365 Broadway, Suite 203 

El Cajon, California

(619) 447-6780

Chapter 7 Bankruptcy Exemptions, Chula Vista Chapter 7 Attorney

Find out what assets are exempt in chapter 7 bankruptcy in Chula Vista. List of bankruptcy exemptions for real, personal property and other assets. Chapter 7 Chula Vista Attorney Casey.

If you live in San Diego County please don't hesitate to give me a call to get your bankruptcy started. For over 25 years I have given personal service to my clients in East County of San Diego. In many law offices you may never see the bankruptcy attorney until the meeting of the creditors. In my law office, you will meet with me at every stage of the bankruptcy process.

 

When you come into my office you will not be treated like a number. My law office is not a bankruptcy mill. We are honest and upfront about bankruptcy fees and costs.  You get personal bankruptcy debt relief with my professional legal representation.  You get quick bankruptcy filing up you providing us with the needed information, Plus with our pre-bankruptcy review you get all the debt relief you are entitled to.  I personally will discuss your bankruptcy with you.  I will be able to tell you if you qualify for a chapter 7 or chapter 13 bankruptcy. 

 

Your money problems are not going to go away on their own. The creditor's calls and harassment can be stopped even if you have a judgment against you or wage garnishment.  Most can be stopped. Filing for Bankruptcy is a major and important decision that in many cases improves your credit rating and ability to get credit.   When you come into my office,  you will notice we are not a bankruptcy mill but a professional law office that provides individual debt relief services.  Services available from bankruptcy and even living trust preparation are available.  Attorney Casey provides you with the time necessary to ensure that the bankruptcy process is managed in an effective manner.  You will be advised and provided guidance when needed at every step in the bankruptcy process.

 

Chula Vista, Let the Bankruptcy Laws Work For You!

Attorney Casey's philosophy is to treat every client with respect as we would expect to be treated if there was a change of events that affected our lives.  The purpose of bankruptcy is to seek relief from your financial hardship, stop foreclosures,  and put a stop to unreasonable creditors pursuant to the bankruptcy laws.

 

Chapter 7 Bankruptcy Exemptions, Chula Vista Chapter 7 Attorney

 Common Questions and Answers About Bankruptcy - Click here

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.

 

In the last year, bankruptcy filings have increased 30% and in many areas of California it is much higher. The primary reason for filing personal bankruptcy is an unforeseen financial down turn, loss of savings and unable to borrow funds at a reasonable rate.  You may have suffered from a loss of income.  Not only that, greedy credit card companies raised their rates and minimum payments that pushed you way over the amount you have to pay on your debts. Many have had to incur unforeseen medical expenses,  loss of employment, and even a death of a family member.  It just hasn't been working out for you.  So why keep burdening yourself, call today to check out your options!

  David Casey, Attorney  

Office Location: 365 Broadway, Suite 203 

El Cajon, California

(619) 447-6780 

 

(Note: This web site is for general information on bankruptcy - there is no inference that the Law Office of David Casey represents you in any way until a retainer and fee agreement is signed by you and attorney).  Unless my office is representing you we do not draft documents on your behalf. Bankruptcy is very complex.  All document are drafted based on on your representation of the information you provide.  Attorney Casey has been practicing Family Law since 1989 and has assisted individuals, couples and businesses with their money needs. 

Let the Bankruptcy Laws Work For You.

Stop Creditors!  Call immediately!

Call For Debt Relief Today!

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.

 

The Law Office of David A. Casey wants to help you and your family eliminate overwhelming financial stress and enable you to get the fresh start you need in order to flourish and to enjoy life again. Depending on your situation, a Chapter 7 or Chapter 13 bankruptcy filing may bring the relief you have been seeking.

Let the Bankruptcy laws work for you!

Stop Creditor's calls immediately through Bankruptcy!

Stop or Delay Foreclosures!

Chapter 13 and Chapter 7

          Bankruptcy can get you a fresh start and

                  relieve the stress of your financial problems.    

                 Call today for a Free Phone Consultation!   619  447-6780

YOU ARE NOT ALONE IN FILING BANKRUPTCY

More debtors had to file bankruptcy in the wake of unemployment, large medical bills and the overall problems with the economy.   

  • Some have estimated that there will be about one million consumers who will seek the protection of the Bankruptcy courts.

  Debtor Bankruptcy Attorney,  For Chula Vista , California

Call  Attorney  David A. Casey

(619) 447-6780

Take The First Step to Getting Your Debt Relief Started!  Call Today!

 Chapter 7 Chula Vista Bankruptcy Services, Chapter 7 & Chapter 13 Bankruptcy Attorney.

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.

Find out what assets are exempt in chapter 7 bankruptcy in Chula Vista.

. List of bankruptcy exemptions for real, personal property and other assets. Chapter 7 Chula Vista

No matter if your bankruptcy needs are simple or very complex,  my office is here to assist you.  The positive benefits of bankruptcy law can help.  Bankruptcy is like taking some medication for an infection. If you don't take it things will get worse.   You're welcome to contact other attorneys and to find one that you are comfortable with.   Don't just retain an attorney on fees.  Check what you are getting.  Don't be another number.

This web site is intended for general information only and does make any inference that this constitutes a retainer for my services or that I  represent you.

IMPORTANT DISCLAIMER: This communication is an “Advertisement” as defined by the California Rules of Professional Conduct and California Business and Professions Code. No communication herein shall create an attorney-client relationship unless a separate retainer agreement is signed by an attorney and client. This material is for informational purposes only and not intended to provide legal counsel or legal advice to you.   Chula Vista Chapter 7 Bankruptcy Exemptions, Chapter 7 Attorney

My Bankruptcy Family Law Office of David A Casey represents individuals and businesses seeking Bankruptcy relief.

Bankruptcy Services for Chula Vista , California, Chapter 7, Chapter 13 Bankruptcy

90,We are a debt relief agency. We help people file for relief under the Bankruptcy Code.

 

Residents of Chula Vista, California, you are just minutes away from getting your debt relief started and finding out about your property exemptions.  My office is located next to two major freeways in El Cajon. Just minutes away. Let me explain your options to you including the benefits of chapter 7 or chapter 13 bankruptcy under the Bankruptcy Law and options you have available.  Most people can keep all or most of their personal property in chapter 7 and all in chapter 13 bankruptcy.

Free Consultation with a Chapter 7 Attorney  

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Area of Service: San Diego County, Alpine 91901 Bonita 91902   Lakeside 92040  Lemon Grove 91945, 91946.  Ramona 92065,  Santee 92071.   Spring Valley 91976 92977 91978 91979   Spring Valley CA 91976, Spring Valley 91977, Spring Valley 91978, Spring Valley, 91979

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My office is just minutes away to starting your process of becoming debt free again.

Chapter 7 and Chapter 13  Bankruptcy laws are made to help you getting a fresh start.

Call the Bankruptcy law office of David A. Casey today for debt relief under the bankruptcy code.

Exemptions protects your property In Bankruptcy. List of California bankruptcy exemptions.

 

Free Consultation with a Bankruptcy Attorney

   

Exempt Bankruptcy Assets. List of  CA Exemption, Spring Valley  CA.

Find Out What Bankruptcy Assets Are Exempt & What You Can Keep. Exemption List.

CA Exemption List, Bankruptcy Assets Are Exempt. Spring Valley CA | What Bankruptcy Assets Are Exempt In Spring Valley, CA Exemption

 

Cities : Chula Vista, California, Chula Vista (city) 91909, 91910, 91912, 91913, 91914, 91915, 91921

Chula Vista  91909,  Chula Vista, 91910, Chula Vista  91912, Chula Vista 91913, Chula Vista 91914, Chula Vista 91915, Chula Vista 91921   Area of Service :Alpine 91901 Bonita 91902 Bonita 91908

Chula Vista, Read What is A Chapter 7 Pre-Bankruptcy Review

Chula Vista Bankruptcy Attorney. Read about pre-bankruptcy review. Chapter 7 Chula Vista & Chapter 13 Chula Vista debt relief (619) 447-6780 Attorney for over 25 Years

 

 Chapter 7 Bankruptcy Exemptions Chula Vista, Chapter 7 Attorney

 

Learn what assets are exempt in California. List of bankruptcy exemptions for real, personal property, other assets. Bankruptcy Attorney Casey serving Chula Vista area.

We are a debt relief agency. We help people file for relief under the Bankruptcy Code. 

 

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