Chapter 7

Chapter 7 bankruptcy, also called “straight” or “liquidation” bankruptcy, is the quickest way to rid yourself of “unsecured” debt such as credit card debt and medical debt.

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Chapter 13

Chapter 13 differs from Chapter 7 in that instead of seeking a full discharge of your unsecured debt it works to reorganize your debt in such a way that it is affordable for you to pay it over a period of time.

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Bankruptcy and Your Credit

Contrary to popular belief, bankruptcy will not necessarily cause your credit score to decrease. In most cases a person’s credit score has already been adversely affected by late payments, high debt to income ratio, or maxed out credit cards, etc.

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Bankruptcy and Tax Debt

A lot of people assume that bankruptcy does not help with tax issues. But there are specific benefits bankruptcy can provide.

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Our Clients Say it Best
  • Jeremy was there every step of the way. He was always sympathetic and very kind. My BK was an emotional and painful thing as well as a financial painful one, as I was going through a divorce, and losing my home, etc. He handled it all seamlessly and communicated with me at every turn. Every snag was untangled as it happened, professionally and with courtesy, not only with me but also with those he contacted on my behalf. I felt very safe in Jeremy’s hands, and I continue to recommend him at every opportunity.–SF, Carmel, CA.

  • Dear Jeremy, Thank you very much for your assistance. Working with you was a pleasure and you made everything very easy. I would be happy to recommend your services. Warmest Regards,

    –C. Smith, Marina, CA.

  • Going through a bankruptcy is an extremely difficult and scary experience. Being led carefully through that experience by Jeremy, however, made it so easy and comfortable that it was very much like having an old friend take care of everything for us! He was there for us at every step of the way, and before we knew it, it was over. His compassion and attentiveness were indispensable, and I am so glad I trusted my intuition and chose him to represent us.–The Perrys, Monterey, CA.

  • Oh My, This is good news. (on receiving a discharge) Bless you, and thank you for all your support and hard work. I can now start over and wiser. You will be highly recommended! Sincerely, Carolyn–Carolyn, Monterey, CA.

  • Jeremy Peck does an excellent job.  He is patient in explaining legal requirements to lay people and tenacious in making sure that all parties live up to their responsibilities under the law. He is precise and never misses a deadline, but always takes time to make his clients feel at ease. We would recommend Jeremy to anyone needing a bankruptcy attorney. –The Johnsons, Pacific Grove, CA.

  • From the bottom of my heart, thank you so much for everything you’ve done for us! We are very fortunate to have chosen you after meeting with several other attorneys. We couldn’t be happier. And now we’re debt free. Thank you. –V & L, Hollister, CA.