Bankruptcy FAQ — Bay Area Bankruptcies

Question 1

What is bankruptcy?

Accepted Answer

Bankruptcy is a legal process that allows individuals or businesses overwhelmed by debt to get a fresh financial start. It can stop creditor calls, wage garnishments, foreclosures, and evictions.

Question 2

What is the difference between Chapter 7 and Chapter 13?

Accepted Answer

Chapter 7 is a liquidation bankruptcy that discharges most unsecured debts quickly (typically 3–6 months). Chapter 13 is a reorganization plan where you repay some or all debts over 3–5 years, often allowing you to keep your home.

Question 3

Will bankruptcy stop foreclosure or eviction?

Accepted Answer

Filing for bankruptcy triggers an automatic stay, which immediately halts most collection actions including foreclosure proceedings and evictions — at least temporarily.

Question 4

How do I qualify for bankruptcy?

Accepted Answer

Eligibility depends on your income, debts, and other factors. We offer a free consultation and screening call to help determine if bankruptcy is the right option for you.

Question 5

Is the application available in Spanish?

Accepted Answer

Yes. Our online application is available in both English and Spanish. We are committed to serving all members of the East Bay community.

Question 6

Where do East Bay clients file?

Accepted Answer

Most East Bay clients file in the US Bankruptcy Court, Northern District of California. We guide you through the entire process from start to finish.

Question 7

How do I get started?

Accepted Answer

Simply contact us to schedule a free introduction and screening call. If you qualify, we will send you an online application to complete at your own pace.

Frequently Asked Questions

Still have questions?