Chapter 7 · Vernon
Chapter 7 Attorney for Vernon Workers
Thousands of factory and warehouse workers in Vernon face wage garnishments and credit card debt. A Chapter 7 case wipes out most credit card, medical and personal loan debt in about four months. Call (310) 362-9071 for a free consultation to see if you qualify.
- About 50,000 people work in Vernon
- Flat fees from $1,200 plus the court filing fee
- Payment plans available
- Most cases take about four months
Do Vernon workers pass the means test?
Many people who work in Vernon earn hourly wages that fall below these figures, depending on household size.
| Household size | Median income |
|---|---|
| 1 person | $79,253 |
| 2 people | $102,797 |
| 3 people | $116,541 |
| 4 people | $139,071 |
| Each extra person | add $11,100 |
The test uses your average income for the six months before filing, not your yearly salary. A recent job loss or cut in hours can help you qualify. See our means test evaluation page for how the full test works.
What Vernon filers usually keep in Chapter 7
Most people who work in Vernon rent or own homes in nearby cities. Renters usually use California's second set of exemptions, which includes a "wildcard" that can protect cash, savings or other property. Your car, household goods, tools of your trade and retirement accounts are usually protected too.
Why people in Vernon file Chapter 7
We see Vernon workers after a plant layoff, an injury or a garnishment that takes a big piece of every check. Chapter 7 stops the garnishment right away and wipes out most of the debt behind it.
The Chapter 7 timeline for a Vernon case
Your case starts with a free consultation, in our office or by video. Next comes a short online credit counseling course, and we gather pay stubs, tax returns and bills. The day we file, garnishments, lawsuits and collection calls stop. About a month later, you attend a short meeting with the trustee assigned by the court in downtown Los Angeles. If no one objects, the discharge usually comes about 60 days after that meeting. For most Vernon filers, the whole case takes about four months.
Related pages
If you have a house or car you are behind on, read about our Chapter 13 attorney services for Vernon. For both options, see bankruptcy attorney for Vernon, or read our main Chapter 7 bankruptcy page.
Chapter 7 questions from Vernon
How long does Chapter 7 take for Vernon residents?
Chapter 7 usually takes about four months for Vernon residents, from filing to discharge. Collection stops the day the case is filed.
Do most Vernon households qualify for Chapter 7?
Many people who work in Vernon qualify for Chapter 7, because hourly wages often fall below California's median for their household size. We run your numbers at the free consultation.
Can Chapter 7 stop a garnishment on my Vernon paycheck?
Yes, Chapter 7 stops a garnishment on your Vernon paycheck as soon as it is filed. We send notice to your employer's payroll office, and any money taken in the last 90 days may be returned.
Free consultation
See if Chapter 7 fits your Vernon household
Call (310) 362-9071 or send the form. Have your last six months of pay stubs handy.
Law Offices of John Asuncion9454 Wilshire Blvd., Penthouse Floor
Beverly Hills, CA 90212
(310) 362-9071
Monday to Friday, 9 a.m. to 6 p.m.