San Francisco, California Bankruptcy Attorneys
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San Francisco Bankruptcy Attorneys

Filing Bankruptcy in San Francisco may Bring Debt Relief

Living with debt is no way to live. If you're tired of struggling with credit card debt, missing mortgage payments, and dealing with creditors on the phone, it may be time to connect with a bankruptcy attorney.

Filing bankruptcy may be an option if you are overwhelmed with credit card or medical bills or facing repossession or foreclosure. A San Francisco bankruptcy attorney can help you determine if bankruptcy might be your best course of action.

Don't hesitate. Simply fill out the free form below or call toll-free 877-349-1309 to connect with a San Francisco bankruptcy lawyer for a free case evaluation.

Free Case Evaluation

Ask A San Francisco Attorney your Bankruptcy Questions

California bankruptcy protections are designed to help you defy debt while keeping your most valuable possessions. You may be able to hang on to your home, car and other assets after filing bankruptcy.

Many types of debts can be discharged in bankruptcy, including:

  • Credit card debt
  • Medical debt
  • Personal and payday loans
  • Utility bill debts
  • Car loans

By speaking with a local bankruptcy attorney, you can discover how personal bankruptcy can help you regain control of your finances.

Bankruptcy Options: Chapter 7 & Chapter 13

The two primary forms of personal bankruptcy are Chapter 7 bankruptcy and Chapter 13 bankruptcy. Each chapter is designed to help in different ways, and determining which chapter is right for you depends on your financial situation.

Chapter 7 Bankruptcy: The Fresh Start

In Chapter 7 bankruptcy, individuals can get a fresh start from creditors thanks to the debt discharge. Chapter 7 is designed to eliminate credit card debt, medical debt and other unsecured debts—those that are not tied to a specific item.

Chapter 7 cases move fairly quickly, typically less than six months from start to finish.

Chapter 13 Bankruptcy: Reorganization

If you're facing home foreclosure, Chapter 13 bankruptcy is designed to help you keep your home. In Chapter 13 bankruptcy, individuals with a regular income may enter into a court-supervised repayment of their debts.

In some cases, certain types of debt may be reduced or completely eliminated from a Chapter 13 bankruptcy plan.

Chapter 13 bankruptcy involves the creation of a three-to-five year repayment plan, which involves a monthly payment to the bankruptcy trustee. Debtors in a Chapter 13 case typically have no contact with their creditors once the payment plan is created.

Bankruptcy's Automatic Stay

Those whole successfully file a bankruptcy petition can benefit from the automatic stay, a court order that keeps creditors at bay.

The automatic stay typically goes into effect the moment your bankruptcy petition is filed with the courts, and puts an immediate halt to lawsuits, repossession and threatening phone calls from creditors.

In most cases, the automatic stay can shelter you throughout the duration of your bankruptcy case until your debts are discharged by the court. This can give you the breathing room to begin rebuilding your credit and savings after filing bankruptcy.

Face Your Finances with a Bankruptcy Attorney in San Francisco

If you're tired of dealing with debt, there's no need to delay. A San Francisco bankruptcy lawyer can discuss the steps you can take to get out of debt and create a new financial identity.

Take the first step today—connect with a bankruptcy lawyer near you. Simply fill out our free form below or call 877-349-1309 and we'll put you in touch with a Bay Area bankruptcy attorney for a no-obligation case evaluation.

Free Case Evaluation

See our complete list of sponsoring San Francisco bankruptcy lawyer locations.

Tap to Call - (877) 250-8242

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