Chapter 7 & Chapter 13 Bankruptcy Attorney in California
When debt feels overwhelming, bankruptcy offers a legal path to a fresh start. Attorney Krystina T. Tran stops wage garnishments, creditor harassment, and foreclosure the moment your case is filed — and helps you protect the assets California law allows you to keep.
Who This Helps
Bankruptcy may be right for you if you are drowning in credit card debt, facing wage garnishment, behind on mortgage or car payments, overwhelmed by medical bills, or being hounded by collection calls. It is a legal tool designed to give honest people a fresh start — not a punishment.
- Overwhelming credit card or personal loan debt
- Wage garnishments or bank account levies
- Persistent creditor calls and harassment
- Behind on mortgage or facing foreclosure
- Medical bills you cannot pay
- Repossession threats on your vehicle
How the Process Works
1. Free Consultation
We review your debts, income, and assets to determine whether Chapter 7 or Chapter 13 is the right path. There is no obligation and no fee for this conversation.
2. Means Test & Strategy
We run the means test to confirm your eligibility, apply California's exemption system to protect your assets, and build a filing strategy tailored to your goals.
3. Filing & The Automatic Stay
The moment your petition is filed, the automatic stay takes effect — stopping garnishments, creditor calls, and foreclosure. We handle every document and court requirement.
4. Discharge & Fresh Start
After your meeting with the trustee and the discharge period, your eligible debts are eliminated (Chapter 7) or your repayment plan is confirmed (Chapter 13). You move forward with a clean slate.
What to Bring to Your Consultation
- A complete list of all debts and creditors
- Recent pay stubs or other proof of income
- Tax returns for the last two years
- Bank statements and property or vehicle documents
- Any collection letters, court notices, or garnishment orders
Frequently Asked Questions
What is the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 is a liquidation filing that eliminates most unsecured debts — credit cards, medical bills, personal loans — usually within a few months. Chapter 13 is a reorganization that lets you repay what you can afford through a court-approved 3-to-5-year payment plan while keeping your home, vehicle, and other assets. We help you determine which fits your situation through the means test.
Will filing bankruptcy stop wage garnishments and creditor calls?
Yes. The moment your petition is filed, the automatic stay takes effect. It halts wage garnishments, bank levies, foreclosure proceedings, and creditor phone calls immediately. Creditors who continue collection efforts after the stay is in place can be sanctioned by the court.
Can I keep my house and car if I file bankruptcy?
In many cases, yes. California has two exemption systems that protect your home equity, retirement accounts, and personal property. We analyze your assets to apply the exemption that protects the most, and in Chapter 13 you can catch up on missed mortgage payments through the repayment plan.
How much does bankruptcy cost?
We offer transparent flat-fee attorney pricing for case preparation, review, and filing. Court filing fees and required credit-counseling course costs are additional. Payment plans are available. The exact fee depends on whether you file Chapter 7 or Chapter 13 and the complexity of your case.
Will bankruptcy ruin my credit forever?
Bankruptcy appears on your credit report for several years, but it does not ruin your credit forever. Many clients see their scores improve after discharge because the debts that were dragging them down are eliminated. We discuss credit rebuilding strategies as part of your fresh start.
What should I bring to my consultation?
Bring a list of all debts and creditors, recent pay stubs or proof of income, tax returns for the last two years, bank statements, vehicle and property documents, and any collection letters or court notices. The more complete the picture, the more accurately we can advise you.
Stop the Garnishment. Stop the Calls. Start Over.
The sooner you file, the sooner the automatic stay protects you. Request your free consultation today — we will review your situation and explain your options in plain English.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Request Your Free Bankruptcy Consultation
Tell us about your debt situation and we will reach out to arrange a convenient time. No obligation.