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Thursday, 14 February 2019

Guide To Filing For Chapter 11 Monterey

By Debra Brown


When your business has accumulated too much bad debt, you should consider all your options before making a decision. You want to get rid of the debt without tainting the reputation of your brand. However, this not possible. After all, there is a price to pay for your inability to service your debts accordingly. Through chapter 11 Monterey business owners are able to get forgiveness for all their debts.

There are basically two bankruptcy options for businesses. The first is chapter 11. This option provides for debt restructuring. Chapter 7, on the other hand, provides for liquidation of business assets to pay off the outstanding debts. The best option for any business owner is debt restructuring as it will allow them to keep the doors open to clients.

Business owners should always look for legal counsel when thinking about filing for bankruptcy. This will help to ensure that they have all the information they may need to make informed decisions time and again. A competent lawyer will explain all the pros and cons, the available options, procedures to follow, and offer assistance with the paperwork. This will make your life much easier.

Once an enterprise has been declared bankrupt, the change of status will be made public. The credit report of the firm will also show that the enterprise is bankrupt. As a result, lenders and suppliers will stop supplying goods on credit. In addition to that, the reputation of the business will be adversely affected.

There are many businesses that cannot qualify for this chapter. For starters, there is a debt threshold that a firm must meet. If a company has bad debts, but they have not reached the set threshold, the application will be rejected. Secondly, only businesses that have a regular income can apply for this debt forgiveness. Be sure to consult a competent attorney to find out whether or not your firm qualifies.

After the bankruptcy petition has been filed in court, creditors will be stopped from hassling the debtor. This means that the management of the business and the owner will have peace of mind as creditors will be prohibited from getting in touch with them. This is great news for anyone who is tired of receiving threatening phone calls and emails that creditors and their collection agencies normally send in a bid to recover their debts.

It is important you look for a competent lawyer when you are thinking of having your business declared bankrupt under this chapter. All lawyers are not the same, so you should think about doing a thorough comparison to identify the best legal services provider for the case. The ideal attorney must have years of experience handling bankruptcy cases. They must have helped hundreds of local businesses to get rid of their debts through this option.

To qualify for this option, the managers of a business must formulate a plan for servicing their debts. The plan will have to be presented to creditors, who will be required to take a vote on it. However, it is the court that has the final say. Once approved, the managers will only need to forward monthly payments to the trustee for settlement of the outstanding debts.




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