Debt Relief Agency Notice
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This policy is effective July 1, 2020. Any material changes to the policy will be published on this website. By your continued use of the website, you consent to the terms of the revised policy.
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Debt Relief Agency Notice
The Law Office of Chris Barsness is a federally defined Debt Relief Agency. You have contacted us by visiting this website, www.irvinecounsel.com or by phone us regarding inquires regarding your rights and obligations under the bankruptcy laws of the United States of America. We only represent parties throughout the State of California.
A discharge in bankruptcy will make credit card, medical and certain other types of unsecured debts, permanently unenforceable against debtor, so that the debtor will typically never have to pay those discharged debts, and the creditors in which you owe cannot phone you, write you, sue you, garnish your wages, or take any other act ever again to try to collect the discharged debt from you. “Credit Counseling”, “credit card payment plans” and “debt management” do not give the debtor a right to seek a discharge of debt. Only by filing bankruptcy in the US Bankruptcy Court does an individual have a right to seek to discharge of debt.
This firm will only represent you if a written contract for bankruptcy legal service is entered into, and signed by you and by the firm, and you meet all of the requirement within that written contract. Section 527 of the US Bankruptcy Code requires a Debt Relief Agency to provide an assisted person with the following information:
1. A Notice per 11 USC Section 342(b), which is attached at the end hereof and contains:
(1) a brief description of
(A) Chapters 7, 11, 12, and 13 and the general purpose, benefits, and costs of proceeding under each of those chapters; and
(B) the types of services available from credit counseling agencies; and
(2) statements specifying that
(A) a person who knowingly and fraudulently conceals assets or makes a false oath or statement under penalty of perjury in connection with a case under this title shall be subject to fine, imprisonment, or both; and
2. THE FOLLOWING DISCLOSURES ARE REQUIRED BY 11 USC SECTION 527(a)(2):
(A) all information that the assisted person is required to provide with a petition and thereafter during a case under this title is required to be complete, accurate, and truthful;
(B) all assets and all liabilities are required to be completely and accurately disclosed in the documents filed to commence the case, and the replacement value of each asset as defined in section 506 must be stated in those documents where requested after reasonable inquiry to establish such value;
(C) current monthly income, the amounts specified in section 707(b)(2), and, in a case under Chapter 13 of this title, disposable income (determined in accordance with section 707(b)(2)) are required to be stated after reasonable inquiry; and
(D) information that an assisted person provides during his or her case may be audited pursuant to this title, and failure to provide such information may result in dismissal of the case under this title or other sanction, including a criminal sanction.
If you have any questions about any of these disclosures, we will be happy to provide further explanation.
3. Additional disclosures are required by 11 USC section 527(b), and are sent to you herewith as a separately captioned document titled “Disclosures Required by 11 USC Section 527(b)”. Please click here for Debt Relief Agency Disclosures Required by 11 USC section 527(b).
15615 Alton Parkway, Suite 450
Irvine, CA 92618