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El Proceso de Bancarrota

La bancarrota o quiebra es el proceso en el cual la persona hace una aplicacion a la corte para que le perdonde sus deudas.  La mayoria de las personas que van a la quiebra ponen dos tipos de bancarrota Capitulo 7 o Capitulo 13.

Bancarrota Capitulo 7 (Chapter7) tambien llamado liquidacion es el proceso en que las personas eliminan todas sus deudas. Proveyendo que la persona califique el proceso de bancarrota capitulo 7 elimina todas sus deudas.  Esta usted requerido a tomar dos clases una de Consegeria de Credito que es antes de poner la aplicacion de bancarrota con la corte y el segundo de Manejo Financiero que es una vez que la bancarrota este puesta. Si sus bienes son mas alto de lo que esta permitido por la corte el administrado de la corte de bancarrota puede liquidar sus bienes.  En la gran mayoria de las bancarrotas Capitulo 7 el deudor no pierde sus bienes.


Bancarrota Capitulo 13 (Chapter 13) en este proceso de bancarrota el deudor usualmente tiene bienes con los que se quiere quedar y le propone a la corte un plan de pago. Dependiendo de los bienes y de lo que gana el deudor el plan puede ser entre 3 a 5 años.  La ventaja de este plan es que el deudor se puede quedar con sus posesiones siempre y cuando cumplan con pagar el plan. 

Deudas que no son perdonadas en Bancarrota 

1) Suporte a sus hijos
2) Suporte Matrimonial
3) Taxes
4) Prestamos de Escuela (Casi todos)
5) Restitucion Criminal

Una vez que la bancarrota esta puesta la corte da una order que es conocida como el Paro Automatico. Eso significa que ninguno de sus acreedores puede tratar de colectar contra usted a menos que haga una aplicacion a la corte. 

La bancarrota es un proceso que le da las personas el nuevo comienzo ue ellos necesitan con la economia en recession y los trabajon siendo escarso los pasado 10 años  han sido dificiles para los ciudadanos. Si usted quiere informacion a cerca del procedimiento de bancarrota llame a nuesta oficina. Nuestros abogados hablan espanol y le podemos explicar el proceso.

Llamenos al (201) 880-5563 para una consulta o visitenos a nuestra pagina web a www.ruizdoolanlaw.com.


Disclaimer: The contents of this website are of general nature and not intended to be a substitute for legal advice or the formation of a lawyer-client relationship. In order to be properly represented, please contact your local professional. In addition, the information given on this web site has been composed by a New Jersey attorney practicing exclusively in New Jersey. None of the information contained herein should be deemed to apply in other states, nor should this website be construed as an attempt by the author to practice law in any state other than New Jersey. If you have any question regarding this website please contact our office directly at (201) 880-5563.
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