San Francisco County Bankruptcy Attorney - Expert Personal and Corporate Bankruptcy Lawyers serving San Francisco County, California.

If you are struggling financially and looking to speak with a San Francisco County bankruptcy attorney, you've come to the right place. The Attorney Group can help you eliminate your credit card debt, pay day loans, personal loans, medical bills and other bills and debt. We will stop lawsuits, stop garnishments, stop, bank account levies, stop judgments and stop foreclosures. We have 36 locations to meet you in California.

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A bankruptcy is an opportunity for many debtors to be relieved of constant harassing phone calls from creditors and collection agencies, the threat of lawsuits, levies, seizures and impending foreclosure. Though you should definitely explore other options to getting your debt under control, consulting with a bankruptcy attorney to see if a bankruptcy might be your best option, to determine if you qualify for relief and which chapter is appropriate based on your particular circumstances is essential.

There are many misconceptions regarding bankruptcy. As a consumer or small business owner, you have the option of a Chapter 7 liquidation or a Chapter 13 reorganization.


Chapter 7 Liquidation

Chapter 7 can be utilized by individuals, married couples, businesses and corporations. It is a liquidation of your debts and possible relinquishment of certain assets if found to be nonexempt. In most consumer and small business cases, however, you are able to retain most if not all of your personal assets. Also, filing automatically stays or stops all collection activities.

You do have to qualify for a Chapter 7 proceeding if your debts are primarily consumer and not business by proving that your income is low enough so that you cannot pay your debts. Your monthly income must be lower than the median income for your state. In California, the median income for a single individual is $47,798 and for two, $62,009. Otherwise, your disposable income must be low enough to qualify. This is determined by deducting your monthly expenses from your average monthly income over the past 6 months. If it is too high, you may still consider a Chapter 13 petition.

In any bankruptcy, you must list all of your debts, regardless if you plan on repaying a certain debt or not. You must also have not transferred any substantial property within 90 days of filing or within one year if such transfer was made to a relative or business partner or the court can void it. A list of your monthly expenses and assets is also required.

You are entitled to certain exemptions regarding your personal assets so that the trustee will not seize them for the benefit of your creditors. For example, you can exempt a motor vehicle, much if not all of your home equity, retirement accounts, bank accounts, furniture, tools of your trade and other items. Consult with our expert bankruptcy lawyer about what exemptions are available to you.

You must also take an approved credit counseling class before filing and a personal financial management class before your discharge. Most discharges occur about 4 months after you file. Your unsecured debts, such as credit cards and medical expenses, are dischargeable.

Chapter 13 Reorganization

If your disposable income is too high, or if you wish to continue operating your small business, or you face foreclosure of your home, then a Chapter 13 is an option. You must have a steady income, though, so that your debts, to some degree, are paid within either a 3 or 5 year plan. There are limits to the amount of secured and unsecured debt you have. Consult with your attorney if your debt is unusually high. The length of your repayment plan depends on your income. If it exceeds the state’s median, your plan will likely be 5 years.

A chapter 13 can save your home from foreclosure provided you can make your regular monthly mortgage payments while repaying your arrearages over the life of the plan. Any second mortgage would be discharged at the termination of the plan if all is otherwise successful. Further, you can have past due taxes, student loans and child support payments paid off within the plan as well.

Bankruptcy protection might be the relief you are seeking. Consult with an experienced bankruptcy attorney about your particular circumstances and to see if filing for bankruptcy is the right decision for you.


About San Francisco

San Francisco Listeni/sæn frənˈsɪskoʊ/, officially the City and County of San Francisco, is the leading financial and cultural center of Northern California and the San Francisco Bay Area.

The only consolidated city-county in California, San Francisco encompasses a land area of about 46.9 square miles (121 km2) on the northern end of the San Francisco Peninsula, giving it a density of about 17,620 people per square mile (6,803 people per km2). It is the most densely settled large city (population greater than 200,000) in the state of California and the second-most densely populated major city in the United States after New York. San Francisco is the fourth most populous city in California, after Los Angeles, San Diego and San Jose, and the 14th most populous city in the United States—with a Census-estimated 2012 population of 825,863. The city is also the financial and cultural hub of the larger San Jose-San Francisco-Oakland metropolitan area, with a population of 8.4 million.

San Francisco (Spanish for "Saint Francis") was founded on June 29, 1776, when colonists from Spain established a fort at the Golden Gate and a mission named for St. Francis of Assisi a few miles away. The California Gold Rush of 1849 brought rapid growth, making it the largest city on the West Coast at the time. Due to the growth of its population, San Francisco became a consolidated city-county in 1856. After three-quarters of the city was destroyed by the 1906 earthquake and fire, San Francisco was quickly rebuilt, hosting the Panama-Pacific International Exposition nine years later. During World War II, San Francisco was the port of embarkation for service members shipping out to the Pacific Theater. After the war, the confluence of returning servicemen, massive immigration, liberalizing attitudes, and other factors led to the Summer of Love and the gay rights movement, cementing San Francisco as a center of liberal activism in the United States.

Today, San Francisco is ranked 44th of the top tourist destinations in the world, and was the sixth most visited one in the United States in 2011. The city is renowned for its cool summers, fog, steep rolling hills, eclectic mix of architecture, and landmarks including the Golden Gate Bridge, cable cars, the former prison on Alcatraz Island, and its Chinatown district. It is also a primary banking and finance center.

San Francisco is located on the West Coast of the United States at the north end of the San Francisco Peninsula and includes significant stretches of the Pacific Ocean and San Francisco Bay within its boundaries. Several picturesque islands—Alcatraz, Treasure Island and the adjacent Yerba Buena Island, and small portions of Alameda Island, Red Rock Island, and Angel Island—are part of the city. Also included are the uninhabited Farallon Islands, 27 miles (43 km) offshore in the Pacific Ocean. The mainland within the city limits roughly forms a "seven-by-seven-mile square," a common local colloquialism referring to the city's shape, though its total area, including water, is nearly 232 square miles (600 km2).

San Francisco is famous for its hills. There are more than 50 hills within city limits. Some neighborhoods are named after the hill on which they are situated, including Nob Hill, Potrero Hill, and Russian Hill. Near the geographic center of the city, southwest of the downtown area, are a series of less densely populated hills. Twin Peaks, a pair of hills forming one of the city's highest points, forms a popular overlook spot. San Francisco's tallest hill, Mount Davidson, is 925 feet (282 m) high and is capped with a 103-foot (31 m) tall cross built in 1934. Dominating this area is Sutro Tower, a large red and white radio and television transmission tower.

San Francisco's shoreline has grown beyond its natural limits. Entire neighborhoods such as the Marina, Mission Bay, and Hunters Point, as well as large sections of the Embarcadero, sit on areas of landfill. Treasure Island was constructed from material dredged from the bay as well as material resulting from tunneling through Yerba Buena Island during the construction of the Bay Bridge. Such land tends to be unstable during earthquakes. The resulting liquefaction causes extensive damage to property built upon it, as was evidenced in the Marina district during the 1989 Loma Prieta earthquake. Most of the city's natural watercourses, such as Islais Creek and Mission Creek, have been culverted and built over, although the Public Utilities Commission is studying proposals to daylight or restore some creeks.

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LOCATION DISCLAIMER: The Attorney Group has a main office in Anaheim Hills, California. All other addresses are local offices available on an advanced appointment basis for meetings and depositions.