There are many different reasons why people considering filing for bankruptcy come to my law office in Sacramento. Some have already made up their minds about filing but they are unsure if they should file for Chapter 7 or Chapter 13. Others need to start the process and they arrive to engage my bankruptcy services.  Read More

In my bankruptcy law practice in the San Francisco and Northern California Bay Area, I’ve been busy. It’s been my feeling that more people are heading down the road to filing. It makes sense since according to the American Bankruptcy Institute filings this February went up 14% from February 2008. Bankruptcies from January 2009 to  Read More

In my Northern California bankruptcy law practice, I may advise clients in various ways and on various issues. There are also restrictions governing what a bankruptcy lawyer may say to a client about their situation. One restriction regarding bankruptcy lawyers has to do with advice they might give clients concerning the taking on of additional  Read More

President Obama recently introduced an idea that may affect some who are considering filing bankruptcy. In my San Francisco practice as a bankruptcy lawyer, I continue to see changes proposed by the government that change or alter people’s ideas who are considering bankruptcy. The idea behind the new plan that was proposed last week is  Read More

Bankruptcy lawyers can often help stall, stop and even eliminate foreclosure. When you declare Chapter 7 or Chapter 13 Bankruptcy, the court automatically issues a stay. That automatic stay means that for the moment creditors cannot pursue their efforts to collect the debt you owe or take possession of the property in lieu of the  Read More

Your bankruptcy lawyer can explain to you that you may be able to work out a repayment plan with your creditors that will work for you if you file a Chapter 13 case. In a Chapter 7, you will not file a plan of repayment. With Chapter 7, the bankruptcy trustee will gather and sell  Read More

To begin with, Chapter 7 is designed to give relief to individuals who need to get a fresh start and have an income below the state of California’s median income (if you live in the state of California) or for individuals who qualify under a formula known as the “means test.” A Chapter 7 filing  Read More