Bankruptcy is a legal process whereby you can discharge (wipe out) most of your debts, and start fresh with a clean financial slate.  

The Automatic Stay and Discharge Injunction

Bankruptcy’s two most important powers, the automatic stay and the discharge injunction, work in tandem to protect you from the actions of creditors while your case is pending and then to erase your debts at the conclusion of your case.   Filing your case automatically invokes the automatic stay which immediately:

• Stops harassing phone calls and letters
• Stops creditor lawsuits
• Stops foreclosures and repossessions
• Stops wage garnishments and all other attempts at collection

Once your case concludes, the bankruptcy court has the power to enter a discharge injunction which forever erases your debts that are subject to discharge, including most unsecured debts.  Creditors must then report these discharged debts to the credit bureaus as having a $0 balance.

Consult an Experienced Bankruptcy Attorney

If you are experiencing financial difficulties, we encourage you to investigate all options, including bankruptcy.  Please call 415-865-0212 today to schedule a free no-obligation initial consultation.  At your initial consultation, we will discuss:

• Debt relief options available outside bankruptcy
• Bankruptcy options, including Chapter 7 and Chapter 13
• Which bankruptcy option best suits your situation and will provide you with the most debt relief
• The bankruptcy process and your duties and responsibilities should you decide to proceed
• Which of your debts will be discharged, and whether you will be entitled to retain your property (most people are able to retain all of their property)
• The cost of your bankruptcy filing
• What you can expect after bankruptcy

TAKE BACK THE INITIATIVE FROM YOUR CREDITORS.
CALL 415-865-0212 TODAY TO SCHEDULE YOUR FREE INITIAL CONSULTATION.