Practice Area
Bankruptcy & Debt Relief
Consumer bankruptcy and debt relief — evaluating whether filing is the right move, and handling the filing carefully when it is.
Debt problems and family problems arrive together more often than people expect. A divorce splits one household budget into two. A business slows down. Medical bills land.
The first conversation is usually about whether bankruptcy is even the right tool. Sometimes it is not, and I will say so. When it is, the filing needs to be done accurately the first time — the schedules, the means test, the exemptions — because mistakes there are expensive to unwind.
What that includes
- Chapter 7
- Liquidation and discharge of unsecured debt for individuals who qualify under the means test.
- Chapter 13
- Reorganization and repayment plans, often used to stop foreclosure and keep a home.
- Exemption planning
- Understanding what California exemptions let you protect before anything is filed.
- Alternatives to filing
- Negotiation and workouts when bankruptcy would cost more than it solves.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Let's talk about where things actually stand.
A first conversation costs you nothing but the time it takes. You will speak with Julie directly, and you will leave knowing what your options are.