FAQ
Straightforward answers before you file.
Bring all questions to the consultation. Nothing here should be construed as legal advice.
Request a consultationMost clients keep both. California exemptions, reaffirmation, and Chapter 13 plans are designed to protect a homestead and a necessary vehicle when the numbers work. We model this before any petition is filed.
The automatic stay generally takes effect the moment the case is filed. Creditors who keep calling after notice can face court sanctions. We notify major collectors immediately.
No. Some clients are better served by targeted negotiation, timing a filing, or not filing at all. The consultation is a strategy session—not a sales pitch to file.
An uncomplicated Chapter 7 in the Central District of California is often completed in about four to six months from filing to discharge.
Filings are public record, but they are not advertised. Employers are notified only if a garnishment or payroll order is involved. We discuss privacy concerns in the first meeting.
The initial consultation is free and confidential. If we take the case, fees are quoted in writing before you sign.