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California Bankruptcy Overview

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int_calif_bankruptcyThe Unites States Constitution provides a way for people burdened by excessive debt to get a “fresh start” by filing for bankruptcy allowing them to pursue productive lives unimpaired by past financial problems. It is an important alternative if you are strapped with more debt and economic stress than you can handle.

The Federal Bankruptcy Laws were enacted to provide good, honest, hard working debtors with a fresh start.  Bankruptcy helps people avoid the kind of permanent discouragement that can prevent them from ever reestablishing themselves as hard working members of society.

The Bankruptcy Code is divided into chapters.  The chapters which almost always apply to consumer debtors are Chapter 7, known as “straight bankruptcy,” and Chapter 13, which involves an affordable plan of repayment.

An important feature applicable to all types of bankruptcy filings is the automatic stay.  The automatic stay means that the mere request for bankruptcy protection automatically stops and brings to a grinding halt most lawsuits, repossessions, foreclosures, evictions, garnishments, utility shutoffs and debt collection harassment.  It offers debtors a breathing spell by giving the debtor and trustee assigned to the case time to review the situation and develop an appropriate plan.  In most circumstances, creditors cannot take any further action against the debtor or their property without permission from the Bankruptcy Court.

If you are considering bankruptcy, we encourage you to seek the advice and assistance of an experienced San Francisco Bay Area bankruptcy attorney who practices California bankruptcy law before you decide to file.  At The Chernev Firm, we will provide you with a free bankruptcy consultation where you can talk to a bankruptcy lawyer about your options.


California Bankruptcy Attorney

bio_footerMark Chernev is the founder of the firm.  He possesses over 12 years of experience as an attorney handling simple matters through high profile, complex litigation cases.


What Our Clients Are Saying

"Mark, I am glad that we were able to work together and appreciate how easy and convenient you made it for me...I am also beyond elated that it is behind me...Thanks" - Bankruptcy Client, San Francisco, California...

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The Chernev Firm
101 California Street, Suite 2710
San Francisco, CA 94111
Phone: 415-956-4020

©2012 The Chernev Firm
San Francisco Bankruptcy Law Firm

The Chernev Firm is a debt relief agency under bankruptcy law. We are proud to help people file for relief under the Bankruptcy Code.
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