San Francisco Bankruptcy Attorneys
Filing Bankruptcy in San Francisco and 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's 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 is 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.
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 may 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 may 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 taking 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.
See our complete list of sponsoring San Francisco bankruptcy lawyer locations.