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Chapter 7 Bankruptcy

Chapter 7 Bankruptcy

Oakland Chapter 7 Bankruptcy Lawyer

Eliminate Your Unsecured Debt

More than a 100,000 people file bankruptcy each year in California alone. The Bay Area is no exception. As an experienced Oakland lawyer, Melanie Tavare understands that as a person seeking bankruptcy relief you are under a lot of stress and most likely are feeling overwhelmed and maybe even a little embarrassed. You don’t need to feel this way any longer. At the Law Offices of Melanie Tavare we are dedicated to helping relieve the stress and anxiety associated with extreme financial distress and providing you with a better future starting today.


Keeping Your Assets

It is a fact that most of the time if you are eligible for a Chapter 7 bankruptcy, you may file your bankruptcy case and discharge your debt but still retain your home, car, bank accounts, 401(k)’s and pensions. Asset retention in Chapter 7 bankruptcy is done through the use of bankruptcy exemptions. There are a number of different sets of exemptions available to you to protect your assets.

Given the importance of protecting your assets, it is essential that you choose an attorney who has experience dealing with exemption planning in bankruptcy. Melanie Tavare is an expert in determining which set of exemptions are appropriate in any given circumstance in order to protect your property. After careful review of your assets during your initial free consultation and subsequent meetings, together we will decide if a Chapter 7 bankruptcy is right for you.

What A Chapter 7 Bankruptcy Can Do For You

The purpose of a Chapter 7 bankruptcy is to discharge your unsecured debt without having you pay anything to your creditors. Although some debt such as student loans, child support/spousal support payments and certain taxes may not be eligible for discharge, most of your unsecured debt can be eliminated in a Chapter 7 bankruptcy, providing you great relief and financial freedom. The most common types of unsecured debt that may be eliminated through a Chapter 7 bankruptcy include: credit card debt, medical debt, pay day loans, personal loans, and bank overdraft fees and expenses.


In 2005 Congress enacted sweeping bankruptcy reform that in some cases made it more difficult for people to file a Chapter 7 bankruptcy. Known as the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 or BAPCA for short, the majority of changes in the Act focused on what is known as the Means Test and the ability of a debtor to repay debt over time.

Melanie Tavare is an expert in the 2005 changes to the Bankruptcy Code and the Means Test and can in most cases tell you during the first free consultation whether you will be eligible for Chapter 7 bankruptcy relief. If it turns out that a Chapter 7 bankruptcy may not be right for you, we are happy to discuss your alternative debt relief options including debt settlement and Chapter 13 bankruptcy.

Contact us Today!

Make the choice to have a better future today. Call for a free consultation:

The Law Offices of Melanie Tavare is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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"Melanie is the best she very responsive and helpful throughout the process everything was taken care of smoothly. If you are thinking of going through bankruptcy she is the best attorney for you. I will forever be grateful having the chance to work with her. She is very honest too."


"I can't thank Melanie enough for helping me through a challenging process and doing so with incredible knowledge, professionalism and tenacity! She went to great lengths to keep me informed, she responded quickly to my questions, and communicated in terms that I could understand. I highly recommend getting in touch with Melanie should you have the need."


"Choosing to work with Atty. Melanie has been one of the best decisions I've ever made. She was a very patient professional to work with and attentive while providing valuable solutions to all of my concerns. If you are searching for of an Attorney who is knowledgeable, transparent, and diligent - well that's Atty. Melanie."


"What I liked about working with Melanie was how prompt and easy to work with she was. She made the process clear and understandable with as little stress as possible. I would work with her again and recommend her to others."