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California Bankruptcy Cases

California Bankruptcy involves legal matters related to individuals or businesses seeking relief from overwhelming debt and financial difficulties. These cases aim to provide a fresh start and path toward financial stability. 

Bankruptcy cases offer individuals and businesses the opportunity to address their financial difficulties and start anew. It is important to consult with an experienced bankruptcy attorney to understand the specific options available, navigate the bankruptcy process, and ensure the best possible outcome for your financial situation.

Overwhelming Debt

Bankruptcy cases in California arise when individuals or businesses find themselves unable to pay their debts. This could be due to factors such as job loss, medical expenses, business failure, or other financial challenges. 

Seeking Relief

Bankruptcy provides a legal framework for individuals and businesses to seek relief from their debts and obtain a fresh financial state. It offers the opportunity to eliminate or restructure debts and establish a manageable repayment plan. 

Types of Bankruptcy

There are different types of bankruptcy cases available in California, including Chapter 7 and Chapter 13 bankruptcies.

  • Chapter 7 Bankruptcy: Also known as "liquidation bankruptcy," involves the liquidation of non-exempt assets to repay creditors. However, certain assets are protected by exemptions, allowing debtors to retain essential belongings.

  • Chapter 13 Bankruptcy: This is known as "reorganization bankruptcy" and involves creating a repayment plan to pay off debts over a specific period, typically three to five years. Debtors can keep their assets while making affordable monthly payments. 

Automatic Stay

When a bankruptcy case is filed, an "automatic stay" goes into effect, which prohibits creditors from taking further collection actions. This provides temporary relief and allows the debtor time to work through the bankruptcy process. 

Bankruptcy Trustee

In both Chapter 7 and Chapter 13 bankruptcies, a trustee is appointed to oversee the case. The trustee evaluates the debtor's financial situation, reviews the bankruptcy filings, and ensures compliance with the bankruptcy laws. 

Discharge Debts

The ultimate goal of bankruptcy is to obtain a discharge of debts. In Chapter 7 bankruptcy, qualifying debts are generally  eliminated or "discharged."  In Chapter 13 bankruptcy, debts are restructured, and the debtor makes payments according to the agreed-upon plan. 


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San Francisco, CA 94158





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