Total Bankruptcy - California Bankruptcy Lawyers

You should make an appointment to see our California bankruptcy lawyers today!

Call for a free consultation with one of our sponsoring California bankruptcy lawyers now.

Like all highly respected California bankruptcy lawyers, our attorneys are concerned that the bankruptcy laws may provide more problems for people at all income levels. They should be the first to tell you that filing a case is seldom done for those who have simply abused their credit cards. Nearly 95 percent of those who declare personal bankruptcy are swamped by job loss, family breakup, medical problems or some combination. For about half, it's the health care costs that do them in.

If you are currently having problems with your financial situation, you should seriously consider contacting one of our bankruptcy lawyers. You may simply dial our toll-free number, (877) 349-1309, fill out the case evaluation form or visit one of our many office locations. One of our California bankruptcy lawyers should return your call to answer your questions and arrange for a free meeting at your earliest convenience.

Bakersfield 1920 G. St. Bakersfield, CA 93301 Map | Directions Case Evaluation | Coverage		Canoga Park 22048 Sherman Way Suite207 Canoga Park, CA 91303 Map | Directions Case Evaluation | Coverage
Chico 1430 East Avenue Buidling 2 Chico, CA 95926 Map | Directions Case Evaluation | Coverage		Davis 424 2nd. St. Ste D Davis, CA 95616 Map | Directions Case Evaluation | Coverage
Fresno 2341 E. Ashlan Ave. Fresno, CA 93726 Map | Directions Case Evaluation | Coverage		Fresno 1100 W. Shaw Suite 140 Fresno, CA 93711 Map | Directions Case Evaluation | Coverage
Laguna Hills 25401 Cabot Road Suite 119 Laguna Hills, CA 92653 Map | Directions Case Evaluation | Coverage		Los Alamitos 4012 Katella Ave Suite 104 Los Alamitos, CA 90720 Map | Directions Case Evaluation | Coverage
Los Angeles 523 W. 6th Street, Suite 215 Los Angeles, CA 90014 Map | Directions Case Evaluation | Coverage		Murrietta 41880 Kalmia Street STE 115 Murrietta, CA 92562 Map | Directions Case Evaluation | Coverage
North Hollywood 13411 Saticoy Street North Hollywood, CA 91605 Map | Directions Case Evaluation | Coverage		Oakland 456 Eighth Street Oakland, CA 94607 Map | Directions Case Evaluation | Coverage
Palm Springs 777 East Tahquitz Canyon Way Palm Springs, CA 92262 Map | Directions Case Evaluation | Coverage		Roseville 109 Darling Way Roseville, CA 95678 Map | Directions Case Evaluation | Coverage
Sacramento 1006 4th Street 10th Floor Sacramento, CA 95814 Map | Directions Case Evaluation | Coverage		Sacramento 2740 Fulton Avenue Suite 130 Sacramento, CA 95821 Map | Directions Case Evaluation | Coverage
Sacramento 1000 G Street Suite 200 Sacramento, CA 95814 Map | Directions Case Evaluation | Coverage		San Bernardino 290 N. 'D' Street Suite 809 San Bernardino, CA 92401 Map | Directions Case Evaluation | Coverage
San Diego 303 A St. Suite 302 San Diego, CA 92101 Map | Directions Case Evaluation | Coverage		San Francisco 703 Market Street Suite # 1109 San Francisco, CA 94103 Map | Directions Case Evaluation | Coverage
San Jose 333 W. San Carlos St. Suite #1625 San Jose, CA 95110 Map | Directions Case Evaluation | Coverage		San Lorenzo 15600 Washington Ave Suite F San Lorenzo, CA 94580 Map | Directions Case Evaluation | Coverage
Santa Rosa 100 E. Street Ste. 219 Santa Rosa, CA 95404 Map | Directions Case Evaluation | Coverage		Stockton 1114 West Fremont Stockton, CA 95203 Map | Directions Case Evaluation | Coverage
Torrance 21707 Hawthorne Boulevard Suite 204 Torrance, CA 90540 Map | Directions Case Evaluation | Coverage		Visalia 5501 W. Hillsdale Ave. #C Visalia, CA 93291 Map | Directions Case Evaluation | Coverage
Walnut Creek 700 Ygnacio Valley Road Suite 200 Walnut Creek, CA 94596 Map | Directions Case Evaluation | Coverage		Westlake Village 3835 R-E Thousand Oaks Blvd. #152 Westlake Village, CA 91382 Map | Directions Case Evaluation | Coverage
Woodland Hills 20700 Ventura Blvd Suite 130 Woodland Hills, CA 91364 Map | Directions Case Evaluation | Coverage
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The bankruptcy laws may make it very difficult to file a Chapter 7 case

While late fees, penalties and mounting interest keep increasing your debt; your chances of paying off your creditors become more and more unlikely. Working with our California bankruptcy lawyers, you may find the best solution for all concerned. Some considerable bankruptcy law provisions include:

• A strict financial means test that may prohibit many debtors from filing a liquidation bankruptcy under Chapter 7

• A requirement that all debtors must receive a briefing from an approved credit counseling agency at least six months before they can file their case

• A requirement that debtors take an approved class on debt management techniques before they receive their discharge

• A provision making it easier for a court to dismiss a case outright or to convert a Chapter 7 case to a Chapter 13 case

• A provision permitting a court to impose sanctions on attorneys, or even on debtors, for filing a Chapter 7 case that is dismissed or converted to a Chapter 13 case.

The means test may exclude many debtors from the protections of Chapter 7

The centerpiece is the "means test". Essentially, the means test provides that you may not be allowed to file for Chapter 7 if your income is above your state's median income and you may be able to afford to pay 25 percent of your unsecured debt. Even if your median income is below the state's median, but you are able to pay 25 percent of your unsecured debt, the court may require you to file under Chapter 13 if it believes that you may abuse the system by filing for a Chapter 7.

Click Here For a Free Bankruptcy Evaluation

The purpose of this web site is to help you learn everything you need to know about bankruptcy, the process, your bankruptcy attorney and your legal rights. The best place to start is with the U.S. Bankruptcy Code. It delivers protection to people in financial jeopardy who are suffering under mountains of debt. Bankruptcy is your legal right.