Most consumers in California file for Chapter 7 or 13 bankruptcy.

Chapter 13 bankruptcies differ from Chapter 7 in that they involve a repayment of certain debts depending on the debtor’s ability to repay.

In a chapter 13 bankruptcy, the debtor’s income and expenses are analyzed using the means test and a determination regarding the debtor’s disposable monthly income is made.  Once it is concluded how much, if…

In California it is most common for consumers to file for either Chapter 7 or 13 bankruptcy.

Chapter 7 Bankruptcy, also referred to as liquidation, is a process by which people eliminate unsecured debt, while liquidating all unexempt assets.
Unsecured debt is any debt that is not secured by a lien on an asset (i.e. homes and cars). This debt is commonly in the form of credit…

When considering bankruptcy, it is natural to worry about how your credit score will be affected after the bankruptcy is complete.

While the bankruptcy may officially stay on a credit report for up to 10 years, many former clients relay that they are quickly offered new credit soon after the process is complete.  As a matter of fact, many people just like you find their credit…

Bankruptcy can be a frightening experience...  And there's nothing worse than feeling like you're going through it alone, without a plan or sense of clear direction.

You are creating a New Chapter in your life, and we are here to help you make sure you get a clean start! Our skilled attorneys have years of experience that you can rely on. We can help counsel, guide and…