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Bankruptcy Chapter 13 and Chapter 7 (Chapter 11 has a Different Cost Structure)
An individual can get started in a Chapter 13 plan for as little as $313. These fees are the fees that the court charges to file the case, and it is all we charge up front in most cases. The rest of the attorney fees are paid off throughout the course of your plan, generally over 3-5 years. All fees due to the attorney must be approved by the bankruptcy court.
Chapter 7 filing fees are generally $1,500.00 for individuals and married couples depending upon complexity.
Many people facing the burden of debt and considering bankruptcy may be concerned about whether or not they will qualify. Given how much information is on the Internet about bankruptcy, and how much of that information is inaccurate, people may be left confused and worried about what options they have.
In reality, qualifying for either Chapter 13 , 11 or Chapter 7 is based upon several factors regarding family income, family size and expenses. This process is defined as “means testing” and involves a thorough accounting of what you make, what you own and what you owe.
At Evans Law Offices, our experienced attorneys can provide honest answers and helpful information about qualifying for Chapter 7 or Chapter 13 bankruptcy in California and the Bay Area. We have two convenient locations to serve you.
Call 408 298-8910 or 831 998-8144 to schedule a free initial consultation with an experienced bankruptcy lawyer.
WE OFFER PAYMENT PLANS.
Whether you qualify for Chapter 7, Chapter 11 or Chapter 13 relief depends on several factors. One of those factors is income and means testing. There are many other factors involved, including what goals you are trying to reach, (i.e. saving home or car), whether you have substantial assets or wish to protect a third party. These are only a few of the possible goals you may have in mind when you meet with an attorney. Your goals will help determine which Chapter is appropriate for you.
We will review the facts of your case, advise you as to your bankruptcy eligibility and help you make an informed decision about your options. Bankruptcy has been a helpful solution and has helped to bring a renewed sense of hope to thousands of people.
Contact Our San Jose and Santa Cruz Bankruptcy Lawyers
To schedule a free consultation with an experienced bankruptcy attorney contact us at 408 298-8910 or 831 998-8144. You may also contact us by e-mail.
In most cases you will not lose your home or car during your bankruptcy case as long as your equity in the property is fully exempt. Even if your property is not fully exempt, you will be able to keep it, if you pay its non-exempt value to creditors in Chapter 13.
However, some of your creditors may have a “security interest” in your home, automobile, or other personal property. This means that you gave that creditor a mortgage on the home or put your other property up as collateral for the debt. Bankruptcy does not make these security interests go away. If you don’t make your payments on that debt, the creditor may be able to take and sell the home or the property, during or after the bankruptcy case.
In a Chapter 13 case, you may be able to keep certain secured property by paying the creditor the value of the property rather than the full amount owed on the debt. Or you can use Chapter 13 to catch up on back payments and get current on the loan.
There are also several ways that you can keep collateral or mortgaged property after you file a Chapter 7 bankruptcy. You can agree to keep making your payments on the debt until it is paid in full. Or you can pay the creditor the amount that the property you want to keep is worth. In some cases involving fraud or other improper conduct by the creditor, you may be able to challenge the debt. If you put up your household goods as collateral for a loan (other than a loan to purchase the goods), you can usually keep your property without making any more payments on that debt.
It is often advisable to have one spouse file bankruptcy and leave the other spouse off of the the filing. The end result is that the spouse’s credit that has not filed the petition in bankruptcy remains unaffected. Whether or not a joint petition is necessary depends on how the debt was created. These issues come back to simple contract law. If one spouse has the credit cards, medical bills or other debts in their name alone, then it may be possible to leave the non-contractually obligated spouse out of the filing altogether. The non-filing spouse’s income and assets are still considered in the case as California is a community property state. If assets were acquired during marriage, then the spouse that files for bankruptcy will have all of the community assets as part of the consideration of what the bankruptcy estate has to offer creditors. The consideration includes a complex exemption analysis. The non-filing spouse is also protected by something called the co-debtor stay. 11 USC 1301. The purpose of the co-debtor stay is to protect the filing spouse from pressure or coercion by preventing collection of co-debt from friend or relatives. The co-debtor stay only protects against collection from the non-filing spouse of consumer debts, which are debts incurred for personal, family or household purposes. Mortgage debts are consumer debts, income tax debts are not considered to be consumer debts and therefore the non-filing spouse will not enjoy the co-debtor stay protection from taxing authorities if the filing spouse is seeking to discharge (or wipe out) tax debt for which the non-filing spouse is also liable for. To learn more . . .
We serve clients throughout Northern California. To schedule a free consultation with a bankruptcy lawyer at our firm, call 408-298-8910 or 831-998-8144 or contact us by email. Evening and weekend appointments are available upon request.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Individuals are eligible to file bankruptcy under chapter 7, 11, 12 or 13.
Chapter 7 — Liquidation — provides for the liquidation of a debtor’s assets by a trustee to raise cash to pay off creditors’ claims. The stages in a chapter 7 case are discussed below. Individual consumer debtors are subject to eligibility requirements, discussed below. Spouses can file a joint-case. The 2005 Amendments to the Bankruptcy Case have increased the complexity of individual consumer chapter 7 cases (discussed further below).
Chapter 11 – Reorganization – provides for reorganization of a debtor under a reorganization plan that is voted on by the debtor’s creditors. Chapter 11 is typically not suitable for individual or consumer debtors unless they have a high net worth or high income. The stages in a chapter 11 case are discussed below.
Chapter 12 – Family Farmer or Fisherman Debt Adjustment – provides for adjustment of debts of a family farmer or fisherman with regular income and subject to certain debt caps.
Chapter 13 – Wage Earner Debt Adjustment – provides for adjustment of debts of an individual with regular income (spouses can file a joint-case). Total unsecured debt cannot exceed $419,275 and secured debt cannot exceed $1,257,850. Chapter 13 is discussed further below.
The Bankruptcy Code defines consumer debts as debt incurred by an individual primarily for a personal, family or household purpose. There are special provisions of the Bankruptcy Code that are only applicable to individuals having consumer debts. The “means test” (discussed below) only applies to an individual debtor in a chapter 7 case whose debts are primarily consumer debts. Debt that an individual incurred for a business, trade or profession that he or she was engaged in would not be consumer debt.
As a result of the 2005 amendments to the Bankruptcy Code a “means test” was introduced for eligibility for chapter 7. An individual who is unable to pass the means test will have his or her chapter 7 case dismissed (subject to certain exceptions), or must convert his or her case to a case under chapter 11 or chapter 13.
An individual chapter 7 debtor with primarily consumer debts will be subject to the means test if his or her “current monthly income” (based on average monthly income for 6 months prior to bankruptcy) is above the median income for a family of the same size. Current monthly income includes regular contributions to household expenses from a nondebtor and includes income for the debtor’s spouse, but does not include social security income.
If the debtor’s income is below the median, the debtor is eligible for chapter 7 bankruptcy. If the debtor’s income is greater than the median income, the debtor must past the “means test”. The means test starts with the debtor’s monthly current income (based on income for last 6 months) and subtracts (1) expenses for food, clothing, utilities, transportation and housing based on permitted monthly expenses specified by IRS standards (not the debtor’s actual expenses), (2) average monthly secured debt payments, (3) average monthly priority debt payments, and (4) a few other expenses in certain limited categories, such as educational expenses of dependents of the debtor, and expenses to care and support elderly, chronically ill, or disabled household members. The remaining net amount after deducting these expenses is the debtor’s “disposable income” and leads to the following results:
Disposable income of less than $109.58. If the debtor has disposable monthly income of less than $100, the debtor is eligible to file chapter 7.
If your income is below the median income for a family of your size, it means you do not have to complete the “means test.” If your income is above the median income for a family of your size it does not mean you fail the means test. It means you have to complete the means test. The results of the means test will determine your eligibility for chapter 7 bankruptcy. This is a complicated area and required the assistance of an experienced bankruptcy attorney. At Evans Law Offices we have the experience of helping thousands of clients, with over 30 years of combined legal experience. We are experts in this area of the law.
When a person files bankruptcy, he or she gets to keep certain property from the bankruptcy estate that is created by the bankruptcy filing. This property the debtor gets to keep is called “exempt” property and is based on specific laws exempting certain types of property to encourage the debtor’s fresh start. The exemption laws vary from state to state and California has a fairly liberal exemption scheme. In California there are exemptions for equity in a debtor’s home ($75,000 for single debtor, up to $175,000 for certain types of debtors), life insurance, and pension plans, among others. Debtors who file bankruptcy without the assistance of a competent bankruptcy attorney risk losing property of significant value by failing to claim the exemptions to which they are entitled. Maximizing the exemptions to which you are entitled is part of what we do at Evans Law Offices when we represent you in a bankruptcy filing.
Certain types of debt automatically do not get discharged in bankruptcy, such as many types of taxes, student loans (unless the debtor can show undue hardship would result from failure to discharge the loans), most government fines and penalties, court restitution orders, domestic support obligations (such as alimony, child support, etc.), and debts in connection with divorce decrees, among others.
There are other types of debts that the creditor has the right to bring a lawsuit in the Bankruptcy Court (called an adversary proceeding) against the debtor to determine the dischargeability of the debt. The creditor can sue the debtor for a judgment determining that the debt will not be wiped out in bankruptcy.
Some examples of debts that can be excepted from discharge upon court order are:
Money, property, services or extension, renewal or refinancing of credit obtained by false pretenses, false representation or actual fraud
Consumer debt owed to a single creditor above the dollar limits specified in the Bankruptcy Code for luxury goods or services incurred within the time period specified in the Bankruptcy Code prior to the debtor’s bankruptcy filing (the term “luxury goods” does not include goods or services reasonably necessary for the support or maintenance of the debtor or dependents of the debtor).
Cash advances above the dollar limit specified in the Bankruptcy Code incurred within the time period specified in the Bankruptcy Code.
Debts for willful and malicious injury of the debtor to another person or entity or property of another person entity.
An experienced bankruptcy attorney, such as the bankruptcy attorneys at Evans Law Offices, can analyze your debts to determine if there is a risk of certain debts being automatically nondischargeable, or of potentially being found nondischargeable by the Bankruptcy Court. Pre-bankruptcy planning may facilitate the dischargeability of certain types of debt.
– Pre-Filing Stage –
Initial Meeting with You. You meet with us for a in-person initial consultation to discuss your bankruptcy and non-bankruptcy options and determine if a chapter 7 bankruptcy filing is the right solution for you. We discuss services to be provided and agree on the fee for such services. We discuss the documentation and information that you will need to supply us, as well as your obligations as a client.
Credit Counseling. You must complete a mandatory pre-bankruptcy creditor counseling program with one of the credit counseling agencies approved by the U.S. Trustee’s Office before we can file your bankruptcy petition. The program takes approximately 1 hour and can be completed by you at your convenience prior to bankruptcy filing. Telephone, internet and live in-person programs are available. After you complete the credit counseling program, the provider electronically sends us a certificate of completion that we need for your bankruptcy filing.
Bankruptcy Petition & Schedules Signing Session. Typically, you meet with us in person to review your petition, schedules, statement of financial affairs and creditors’ matrix for accuracy. We make any final changes that may be needed. You sign your petition and other papers. If you are paying us under an installment arrangement you provide us with the unpaid balance of the total fee at this time.
– Filing & Post-Filing Stage –
Filing of Petition. We electronically file your petition, schedules, statement of financial affairs, creditor matrix and other papers required in connection with your chapter 7 case. The automatic stay goes into effect once the petition is filed and bars your creditors from further litigation or enforcement efforts (other than in the bankruptcy court), unless they obtain relief from the stay. After filing, we send to you for your records one complete set of your petition, schedules, statement of financial affairs, creditor matrix and other papers we filed in your case.
Communication with chapter 7 trustee. We provide the chapter 7 trustee appointed in your case with a copy of all documents that the debtor is required to provide to the trustee as the result of the 2005 amendments to the Bankruptcy Code. We send you a copy of any correspondence we send to the chapter 7 trustee.
Meeting of Creditors & Preparation for Meeting. After your case is filed the Meeting of Creditors will be scheduled at which the chapter 7 trustee will ask you questions concerning your financial affairs, the circumstances leading to your bankruptcy filing, and raise any questions he/she may have concerning your schedules and/or statement of financial affairs. This meeting is required to be scheduled within 20-40 days after you file your bankruptcy petition. The meeting is typically scheduled about 30 days from the date the petition is filed. Typically creditors do not attend this meeting, although they are entitled to attend and ask questions by law. If you hire Evans Law Offices, one of our attorneys will represent you at the meeting.
Shortly after your case is filed we will learn the date and time your meeting of creditors has been scheduled. We will send you a letter advising you of the date and time, along with a map and directions and some information about the type of questions most commonly asked by the chapter 7 trustee.
Financial Management Course. Within 45 days of the date first scheduled for the Meeting of Creditors you are required to complete the Financial Management Course. We suggest you complete it as soon as possible after the Meeting of Creditors. The same credit counseling agency that provided you with pre-bankruptcy credit counseling can provide you with the Financial Management Course. After you complete the Financial Management Course, the provider electronically sends us a certificate of completion that we will file in your bankruptcy case.
Discharge. The goal of a personal chapter 7 bankruptcy filing is to obtain a discharge (legal elimination) of your debts. Certain types of debts may be automatically excepted from discharge, or subject to the exception from discharge by order of the Bankruptcy Court. A discharge is supposed to be granted within 60 days after the date first set for the meeting of creditors. The one exception is if a creditor or other party in interest (such as the chapter 7 trustee) files an objection to discharge, which is uncommon.
Only an individual with regular income can file chapter 13. You can be self employed if you can show you have a regular income and only operate as a sole proprietor under your own name or under a trade name (i.e., “doing business as” or “d.b.a.”), and do not have a separate business entity, such as a corporation or a limited liability company. Total unsecured debt cannot exceed $419,275 and secured debt cannot exceed $1,257,850. In chapter 13 the debtor repays creditors over time based on the money left over each month after expenses, among other factors. The debtor pays the chapter 13 trustee each month who then mails checks to each of the debtor’s creditors. In chapter 13 the debtor gets to keep all of his or her property. Chapter 13 is commonly used to stop a foreclosure and cure defaults over time. The typical chapter 13 plan is 3 years. However, as a result of “means testing,” chapter 13 debtors with income above the state median must submit 5 year plans. Creditors do not get to vote on a debtor’s chapter 13 plan, but get to object. The plan is subject to Bankruptcy Court approval at a confirmation hearing. In a chapter 13 case the chapter 13 trustee plays an important role in reviewing chapter 13 plans and raising objections to such plans.
The main benefit of chapter 13 compared to chapter 7 is that in a chapter 13 bankruptcy case the debtor gets to keeps all of his or her property and satisfies creditors claims through the chapter 13 plan. So, by way of example, if a debtor owned a house and wanted to keep living in it but is behind on mortgage payments, the debtor could cure the arrears (the payments that have fallen behind) through the plan and keep living in the house. Alternatively, in a chapter 13 case the debtor could seek to refinance or sell his or her house (subject to Bankruptcy Court approval). That is not usually possible in a chapter 7 case.
If the debtor is a renter and has fallen behind on rent payments (but an eviction order has not yet been entered), for instance, due to a period of illness or unemployment, the debtor could use a chapter 13 plan to cure the defaulted portion of rent through the plan.
Chapter 13 can also be used to keep a car where the debtor has fallen behind on payments.
In addition, in a chapter 13 case there is a co-debtor stay. So if one spouse files bankruptcy and the other does not, joint creditors cannot pursue the non-filing spouse. This can be beneficial to help preserve the credit standing of the non-filing spouse.
Chapter 13 is a complex area of bankruptcy law and requires the assistance of an experienced bankruptcy attorney.
You do not have to have an attorney to file bankruptcy. The law allows you to represent yourself. However, if you represent yourself you are still held to the same standard as if you had an attorney. You will need to be able to analyze and decide how to answer all of following questions, among others and correctly complete and file the required documents:
Chapter of bankruptcy to file under (chapter 7, 13, or 11, and why)?
Which creditors to list as secured, priority, and unsecured?
Which addresses to use for your creditors (- – & if you use the wrong address the debt will not be wiped out – -)?
Which exemptions in property to claim and why?
Whether you want to reaffirm any debts and if so how do you do that?
Whether any of your debts are or may be nondischargeable and how to deal with them?
Whether you have co-debtors and how to list them?
Which debts to list as contingent, unliquidated or disputed on your schedules?
How to value your personal and real property on the schedules? How to represent yourself at the hearing/s.
The list above is not a complete list of the things that must be considered in personal bankruptcy case.
In addition, as the result of the amendments to the Bankruptcy Code in 2005 there are particular pre-filing and post-filing obligations that a debtor in bankruptcy must comply with that an attorney would usually take care of.
There are paralegal services that claim to assist people with bankruptcy filing. They are not lawyers and not knowledgeable about bankruptcy law. By law they are not allowed to provide any legal advice. All they are allowed to do is fill out the numerous forms and schedules required to be filed with the Bankruptcy Court based on information you provide.
The filing fee charged by the Bankruptcy Court is currently $335 for a chapter 7 case and $310 for a chapter 13 case (as of 2019). The fee for the mandatory pre-bankruptcy Credit Counseling program from a provider approved by the U.S. Trustee is approximately $25. The fee for the mandatory post-bankruptcy Financial Management program from a provider approved by the U.S. Trustee is also approximately $15.
The fee to hire Evans Law Offices to represent you varies depending on which chapter of bankruptcy you are filing (chapter 7 or chapter 13), how many creditors you have, your property situation and how much complexity will be involved in claiming your exemptions and completing your property schedules. If you hire us we will enter into a Retainer Agreement with you in writing that will specify our total fee and any costs that we will collect from you and pass through (i.e., Court filing fee, two mandatory programs mentioned above) in your case.
Our fee may be paid in installments, but in a chapter 7 case it must (by law) be paid in full before we file your bankruptcy petition with the Bankruptcy Court. In a chapter 13 case we may agree to receive some part of our fee through your chapter 13 plan, depending on the circumstances of the case.
By law attorneys are required to disclose the fee they charge to represent debtors in chapter 7 and chapter 13 bankruptcy cases on disclosure forms filed in each debtor’s bankruptcy case. We set our fees to be competitive with those of other experienced bankruptcy attorneys in Bay Area.
Chapter 7 bankruptcy of a business involves its liquidation and should be viewed as a last resort when all other reasonable and realistic alternatives to chapter 7 have been explored and exhausted. Alternatives to chapter 7 for a business may include obtaining new sources of debt financing or capital investment, sale of assets or sale of the business in whole or in part, an out-of-court workout with creditors, or a restructuring under chapter 11 or 13. If none of these alternatives are viable, management or owners of a business may want to file a chapter 7 liquidation for a financially troubled business that is unable to pay its debts or has debts greater than assets (i.e., insolvent). If a business is insolvent or in the zone of insolvency, there is a developing body of case law that holds that management no longer has a duty to the owners (i.e., shareholders or other equity holders) of the business, but rather to its creditors. By filing a chapter 7 bankruptcy, management can ensure that creditors’ claims are dealt with in a single unified proceeding and that the debtor’s assets are not stripped apart by different creditors pursuing their individual legal remedies, such as by judgment enforcement. The decision whether a chapter 7 is appropriate for a particular business must be made based on the facts applicable to that business.
The filing of bankruptcy creates an automatic stay (discussed further above) which is comprehensive and bars virtually all creditor collection activity, including commencement and continuation of lawsuits and enforcement of judgments against the debtor’s assets. When a business files chapter 7 bankruptcy an interim trustee is appointed by the U.S. Trustee’s office to marshal and liquidate the debtor’s assets and distribute them to creditors. The interim trustee becomes the permanent trustee unless a different trustee is elected by creditors. The trustee has the ability to collect and pursue the receivables and claims (including legal claims and causes of action) of the debtor. In order to promote equality of treatment of similarly situated creditors, the Bankruptcy Code gives the trustee the ability to recover certain pre-bankruptcy transfers of the debtor as preferential or fraudulent transfers.
Chapter 11 and 13 can permit management or owners of a business to restructure the debt of the business and reorganize the business. The filing of bankruptcy creates an automatic stay (discussed further below) which is comprehensive and bars virtually all creditor collection activity, including commencement and continuation of lawsuits and enforcement of judgments against the debtor’s assets. In chapter 11 or 13 the business can seek to reorganize as a going concern, or to sell its assets in whole or in part. Bankruptcy is an attractive method for asset purchasers to acquire assets because through a sale in the bankruptcy court pursuant to section 363 of the Bankruptcy Code they can ensure that they are acquiring assets free and clear off all liens and claims (including tax claims). Bankruptcy also provides a mechanism for a business to reject burdensome leases and contracts. Bankruptcy provides very useful ways for a financially troubled business to restructure its debts in appropriate situations, or attempt to preserve the “going concern” value of its assets in a sale. The decision whether chapter 11 or 13 is appropriate for a particular business must be made based on the facts applicable to that business and it will not work for all companies.
One of the benefits of chapter 11 and 13 to a business debtor is that it has the choice to assume or reject its ongoing contracts and unexpired leases, and can reject financially burdensome ongoing contracts and unexpired leases. The claims of the other side to the contract or unexpired leases for rejection damages are treated as pre-petition unsecured claims in the bankruptcy. The Bankruptcy Code also caps a landlord’s lease rejection damages claim (to one year’s rent or 15%, not exceeding 3 years, of the remaining term of the lease).
Unlike chapter 7, when a business files for chapter 11, a trustee will usually not be appointed and the debtor will remain a “debtor in possession” (DIP) with the same management in place unless the bankruptcy court orders a trustee appointed for “cause” (including fraud, dishonesty, incompetence or gross mismanagement of the affairs of the debtor by its current management), or if the court determines that appointment of a trustee is in the best interest of creditors.
A branch of the Department of Justice tasked with overseeing the administration of bankruptcy cases. The U.S. Trustee plays an oversight role, particularly in chapter 11 cases. It does this primarily through reviewing operating reports the debtor is required to file and tracking the progress of the case against benchmarks set in the early stage of the case.
A creditors committee is routinely appointed in chapter 11 cases by the U.S. Trustee and ordinarily consists of unsecured creditors who hold the seven largest unsecured claims against the debtor. The creditors committee consults with the debtor on administration of the case, investigates the debtor’s conduct and operation of the business and participates in developing a reorganization plan. The creditors committee in a chapter 11 case may, with the approval of the Bankruptcy Court, hire attorneys, accountants, and other professionals (such as financial advisors).
The main goals of both a chapter 11 and chapter 13 business case is for a plan of reorganization regarding the debtor to be approved. The Bankruptcy Code gives the debtor the exclusive right to file a plan for the first 120 days of the case in a Chapter 11 case (which can be extended not more than 20 months from the date the case was filed). A creditors’ committee, or even individual creditors, can file a plan of reorganization once the debtor’s exclusive filing period has lapsed (or been lifted by the Court). Debtors in chapter 11 must be represented by attorneys. Creditors committees typically also hire attorneys.
An assignment for the benefit of creditors is a state law alternative to bankruptcy. It involves the assignment by a debtor to an assignee of all of the debtor’s property pursuant to a written assignment agreement. The assignee then collects and liquidates the property and satisfies creditor’s claims in accordance with the procedures specified in the Debtor & Creditor Law. Unlike some states where they are regularly used, assignment for the benefit of creditors is a rarely used device. One draw back with it, compared to bankruptcy, is that there is no nationwide automatic stay created by the commencement of the case. However, in certain circumstances the overall costs of administration may be cheaper than in a bankruptcy case thereby resulting in a greater return to creditors. In addition, the administration of the case may also be faster than in a bankruptcy case.
A receivership is a proceeding in which a receiver is appointed for an insolvent corporation, partnership, limited liability company or other business entity, or individual, to preserve and/or recover its assets for the benefit of the affected parties. California law provides for appointment of a temporary receiver to preserve property that is the subject of a lawsuit prior to judgment where there is danger that the property will be removed from the state, lost, materially injured or destroyed. A receiver can also be appointed in connection with enforcement of a judgment in certain instances. A receivership is a non-bankruptcy alternative that can be particularly useful to preserve the rights of creditor pending judgment.
An involuntary bankruptcy filing is a bankruptcy filing that it commenced against a debtor by petitioning creditors. An involuntary bankruptcy case may be commenced under chapter 7 or chapter 11 against a person or business entity by three or more petitioning creditors (or 1 or more creditors if the debtor has less than 12 creditors) holding noncontingent, undisputed claims aggregating at least $13,400 based on the debtor’s failure to pay his, her or its debts as they become due, or the appointment of a custodian over substantially all of the debtor’s assets (such as an assignee for the benefit of creditors)
We serve clients throughout Northern California. To schedule a free consultation with bankruptcy or family law lawyer at our firm, call (408) 298-8910 or (831) 998-8144 or (916) 995-2750 contact us by email. Evening and weekend appointments are available upon request.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.