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San Francisco County Bankruptcy Attorney

Get real answers from a certified bankruptcy specialist!

San Francisco County, officially the City and the County of San Francisco, is known for being the leading financial and cultural center of the San Francisco Bay Area, not to mention Northern California. San Francisco County is the only consolidated city-county in the state of California and it encompasses 46.9 square miles. San Francisco is Spanish for "Saint Francis" and was founded on June 29, 1776. Today, San Francisco is popular for its Golden Gate Bridge, cable cars, the former prison on Alcatraz Island and for being a major banking and finance center.

While the nation has been hit hard by the recent economic downturn, the sunshine states such as California, Nevada, Arizona and Florida have been affected more so than others, particularly by the housing market. San Francisco County is known for being one of the most expensive areas in the nation in which to live. When one experiences a job loss, an illness, or a divorce that leads to unsustainable debt, it can make life overwhelmingly stressful.

If you are having difficulty paying your bills or have already suffered damage to your credit, we urge you to contact a San Francisco County bankruptcy lawyer from The Bankruptcy Law Firm.

Would bankruptcy improve your situation?

Bankruptcy was designed to give debtors who could no longer afford to pay their creditors the fresh start they needed. If your bills far exceed your income, you should consider filing a Chapter 7 or Chapter 13 bankruptcy. If your business is having trouble remaining afloat, a Chapter 11 bankruptcy may be just what your business needs to keep its doors open.

At The Bankruptcy Law Firm, our legal team is here to listen to your situation and help you determine if bankruptcy can help resolve your financial problems. We have helped individuals and couples eliminate tax debts, erase credit card debts and medical bills, wipe out unsecured debts and reorganize their debts into an affordable monthly payment at a fraction of what they were paying before. No matter what your situation is, we can help you find the most viable solution that will put you back in control of your finances once and for all.

A Chapter 7 bankruptcy is suitable for debtors with little or sporadic monthly income with a large amount of unsecured debts such as medical bills and credit card debt. While the Chapter 7 is often the bankruptcy of choice, it is reserved for those who really need it. In order to qualify under a Chapter 7 the debtor's income must meet the income requirements and pass the "bankruptcy means test."

The Chapter 13 bankruptcy, otherwise known as the wage earner's bankruptcy is for debtors whose income is too high for the Chapter 7. Under this Chapter a debtor pays all or a portion of their debts over a period of 3 to 5 years. The debtor makes an affordable monthly payment to the Chapter 13 trustee who distributes the funds to the creditors. During the life of the bankruptcy, creditors are prohibited from commencing or continuing any collection actions against the debtor.

If you are worried about filing for bankruptcy and having it ruin your credit, it's important to understand that when people file for bankruptcy, their credit has usually already suffered damage from late payments, collections and charge offs. However, the good news is that a debtor can rebuild their credit and achieve a good credit score well before the bankruptcy falls off their credit providing they follow a few simple credit-rebuilding steps.

It's often much easier to rebuild one's credit following a bankruptcy discharge than it is to not file bankruptcy at all.

A few reasons why The Bankruptcy Law Firm should be your first call:

  • The Bankruptcy Law Firm has been named among the Top 100 Firms by the Debt Education and Certification Foundation (DECAF).
  • Our lead attorney, Rita Kostopoulos is certified as a bankruptcy specialist by the American Board of Certification.
  • Attorney Rita Kostopoulos holds a real estate broker's license, and she owns a real estate company and a title company, giving her an excellent grasp on foreclosure defense.

As a full-service bankruptcy law firm dedicated to finding individuals and couples workable debt relief solutions, we are proud members of numerous legal organizations including the Consumer Bankruptcy Association, the Hellenic Bar Association, the Consumer Bar Association, the American Bankruptcy Institute, the State Bar of California, the National Association of Consumer Bankruptcy Attorneys and more.

Are you tired of dealing with overwhelming debt? Would you like to have the opportunity to resolve the situation once and for all? By contacting The Bankruptcy Law Firm, within a few short months you and your family can have peace of mind knowing that you can look forward to a true financial recovery once and for all! Call our office today at (415) 275-3018.

Hear what our satisfied clients have to say about our legal services by reading our client testimonials!

San Francisco County Resource L Inks

Bankruptcy Information Center
About San Francisco County
Map of San Francisco County

The information on this website is for general information purposes only. Nothing on this site should be taken as legal advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.
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The Bankruptcy Law Firm - San Francisco Bankruptcy Lawyer
Located at 201 Spear Street, Suite 1100, San Francisco, CA 94105. View Map
Phone: (415) 275-3018
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