Most consumers in California file for 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 cards, pay advances, unsecured personal loans, money judgments and more. Federal and state law allow certain exemptions whereby debtors can protect equity in their personal belongings including their homes, cars, home and office furnishing and personal belongings.  If a debtor passes the means test and fits within the income parameters of chapter 7 requirements, the debtor will be eligible to file their Chapter 7 case and discharging their debt.

If you are struggling with mountains of debt

facing foreclosure, being sued or harassed by creditors or just finding it hard to pay monthly bills then bankruptcy may be your solution.  While many people are afraid of the stigma attached to bankruptcy the truth is a competent attorney can help quickly guide you through the process, help you keep all your belongings, and rid you of all your debt and worries for good.

Contrary to a lot of misinformation circulated regarding new bankruptcy rules

bankruptcy relief is still available. In 2005 Congress passed the BAPCPA, which added certain requirements, including a complicated means test analysis. While these additions did make the process more complex and enhanced the need for a good attorney, the truth is many people file bankruptcy daily and eliminate their debts and worries forever