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California bankruptcy law is essentially a consumer protection law. It is a legal process which allows debtors to have certain debts forgiven and either re-organize or start over with a decreased debt-load.
Bankruptcy is organized into various "Chapters." A combination of factors including, but not limited to, the amount of your income, your financial history, the amount of debt you are carrying and your goals for the future will determine which chapter you may file.
If you are being harrassed by credit card companies, banks and lawsuits, a bankruptcy will immediately stop all collection efforts against you. A successful discharge of your debt through bankruptcy will give you the peace of mind and opportunity to start over.
Because of these difficult economic times, we find that bankruptcy no longer carries the social stigma it used to in previous years. Bankruptcy is a legitimate and helpful option if you are deeply in credit card or mortgage debt.
We are a designated debt relief agency under Federal law. As a part of our practice, the Law Offices of Art Hoomiratana provides legal assistance to clients seeking relief under the Bankruptcy code.