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YOUR DEBTENDSHERE.
Credit cards, medical bills, loans, wage garnishments, collector lawsuits. Filing bankruptcy is not a failure, it is a legal tool designed to give you a fresh start. And it's not the only one: we also negotiate debts directly with creditors. No judgment, no shame, in Spanish.
Submitting this form does not create an attorney-client relationship. Please do not send confidential information until we confirm representation in writing.
- in debt eliminated for 2,500+ clients by the team behind ZeroDebtLegal
- $50M+
- collection calls, garnishments and lawsuits stop with the "automatic stay" the moment your case is filed
- Día 1
- average balance reduction when we negotiate debts directly with creditors instead of filing bankruptcy
- 40–60%
- to complete a typical Chapter 7 and receive your discharge
- 4–6 meses
What you need to know
Three Ways Out of Debt, and Which One Fits You
Debt collectors have teams of lawyers. Credit card companies have billion-dollar legal departments. The average person facing overwhelming debt has nobody in their corner, until now. We provide the same caliber of representation creditors use, but on your side and in your language.
Chapter 7 eliminates ("discharges") most unsecured debt, credit cards, medical bills, personal loans, utility debt, in 4 to 6 months. If your income is below California's median for your household size (the "means test"), you generally qualify. California lets you protect your home, your car, your work tools and your retirement with exemptions among the most generous in the country. Chapter 13 reorganizes your debts into a 3-to-5-year repayment plan: it is the tool to stop a foreclosure, catch up on a mortgage or car, and protect property that exceeds the exemptions. Debt negotiation is the no-court alternative: we negotiate directly with each creditor to reduce the principal balance, typically 40% to 60%, with one monthly payment and no hearings.
From the moment you hire us, creditors have to talk to us, not you. In a bankruptcy case, the "automatic stay" legally stops calls, wage garnishments, lawsuits and foreclosures the same day the case is filed. We represent you at the 341 meeting of creditors and every hearing, and when it's over, we help you rebuild your credit. Your immigration status is not an obstacle to filing bankruptcy in the United States.
Does this apply to you?
What Is Your Situation?
You owe more than $10,000 in credit cards, medical bills or personal loans and can only make minimum payments
Your wages are being garnished, a collector sued you, or you received a court summons for a debt
You are behind on your mortgage or car payment and fear foreclosure or repossession
Collectors call you at work, call your family or call at odd hours, many of those calls are illegal and may entitle you to compensation
You lost a job, had a medical emergency or a divorce, and the debts grew faster than you can pay
You want to avoid bankruptcy and would rather negotiate a reduced payoff with your creditors
How it works
Four Steps to Financial Freedom
Free Consultation
You tell us your situation: how much you owe, to whom, your income and what you want to protect. We analyze every option, Chapter 7, Chapter 13 or negotiation, and tell you honestly which one fits. No cost, no obligation.
Custom Strategy
We prepare the means test, apply California's exemptions to protect your home, car, tools and retirement, and design the plan. If it's negotiation, we prioritize the highest-risk debts with a monthly payment you can afford.
We Take Action
We file your petition with the bankruptcy court, triggering the automatic stay that stops collections, garnishments and lawsuits, or open negotiations with each creditor. From this moment, all creditor communication goes through us.
Debt Eliminated, Fresh Start
We go with you to the meeting of creditors and every hearing until you receive the discharge order. Afterward, we give you a plan to rebuild your credit, many clients qualify for a mortgage 2 years after a Chapter 7.
What is the difference between Chapter 7 and Chapter 13?
Chapter 7 eliminates most unsecured debt in 4–6 months; it requires passing the means test and, rarely, selling property that exceeds exemptions. Chapter 13 is a 3–5 year repayment plan for people with regular income who want to save their home from foreclosure or have property to protect. We recommend whichever gives you the strongest path forward.
Will I lose my home or my car?
In the vast majority of cases, no. California's exemptions protect a substantial amount of your home's equity (the homestead exemption ranges roughly $300,000 to $600,000+ depending on the county), your vehicle, furniture, work tools and retirement accounts. If you are behind on payments, Chapter 13 lets you catch up and keep the property.
Which debts cannot be eliminated?
Generally not discharged: child support and alimony, most student loans (absent undue hardship), recent taxes, criminal fines, and debts from fraud or drunk-driving injuries. Discharged: credit cards, medical bills, personal loans, utility debt, deficiency balances on repossessed cars and most civil judgments.
How will bankruptcy affect my credit?
It appears on your report for up to 10 years (Ch. 7) or 7 years (Ch. 13), but if your debts are already in collections, your score is probably already low, and many clients see it rise within the first year because their debt-to-income ratio is cleared. We give you a rebuilding plan, and many qualify for an FHA mortgage two years after discharge.
Can bankruptcy stop a wage garnishment or a lawsuit?
Yes, immediately. Filing the petition triggers the "automatic stay" (11 U.S.C. §362): creditors must stop garnishments, lawsuits, calls, foreclosures and repossessions that same day. A creditor who violates it can owe damages. In many cases we also recover wages garnished in the prior 90 days.
Is debt negotiation better than bankruptcy?
It depends. Negotiation avoids court and the public record, and works well when you can make a monthly payment for 24–48 months; creditors typically accept 40% to 60% less than the balance. But it doesn't legally stop lawsuits, and forgiven amounts can be taxable. Bankruptcy is faster, more complete and stops everything immediately. In the consultation we compare both with your real numbers.
How much does it cost, and what about my immigration status?
The consultation is free. Bankruptcy fees are flat and explained in writing before you decide; in Chapter 13 they can be included in the plan. Bankruptcy is a federal process open to residents, visa holders and people without status, it is not reported to immigration and, by itself, does not affect a green card application.
Learn more
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Tell us your situation in your own words. Our team will take it from there.
- 100% free initial consultation
- No obligation or commitment
- Completely confidential information
- Guaranteed Spanish-language service
- All immigration statuses welcome
Submitting this form does not create an attorney-client relationship. Please do not send confidential information until we confirm representation in writing.