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Going bankrupt? Or how do you know you are going bankruptcy? If you are having trouble making the minimum monthly payments for your debts in addition to your normal living expenses bankruptcy can help. The percentage of Americans that are struggling with debt is at an all-time high. Whether it is credit cards, a house mortgage or student loans Americans are living with more debts than ever. We help residents of the Bay Area get relief from these debts by filing chapter 7 and chapter 13 bankruptcy cases. All of our consultations are with experienced (we have filed 1,000 + bankruptcy cases) and licensed attorneys and are free. To schedule your free consultation, contact us toll free at 1-877-963-9543 or 1-877-9NEW-LIFE to start living your life debt free.

Meet our attorneys: Ryan C. Wood and Kitty J. Lin

We are committed to providing you with the best bankruptcy experience for a reasonable fee.

We have offices throughout the Bay Area for your convenience. Please visit Kitty J. Lin at our Fremont bankruptcy office or at our Union City bankruptcy office and find out how the bankruptcy laws can help you. Kitty J. Lin and Ryan C. Wood combined have filed over a thousand bankruptcy cases in the Northern and Eastern Districts of California saving houses from foreclosure, stopping repossession, stopping wage garnishment, stopping lawsuits, discharging unpaid taxes and discharging millions of dollars in credit card debts. In addition Mr. Wood has also administered anywhere between 800 – 1,000 chapter 13 cases when he was employed as a staff attorney by David Burchard, the standing Chapter 13 Trustee for the San Francisco and Santa Rosa Divisions of the United States Bankruptcy Court. Despite all of this experience we have very reasonable attorneys’ fees. Some attorneys with far less experience charge as much as $2,000 for a routine no asset chapter 7 bankruptcy case. Attorneys with clients that are going bankrupt should only be charging clients based upon the amount of work the case requires. It is not ethical to charge $2,000 for every single Chapter 7 case filed in my opinion. Chapter 13 fees can vary widely. Most divisions in the Northern District of California have what are called no look attorneys’ fees. If the attorney chooses to use the no-look fees then no formal fee application and a hearing have to be held for the bankruptcy attorney to be paid for their services. Most Chapter 13 bankruptcy attorneys will request a certain amount of their attorneys’ fees upfront and the remaining attorneys’ fees will be paid through the Chapter 13 plan of reorganization. So if you are going bankruptcy chose the attorney you use wisely. It could cost you a lot in the short term and long term. Some attorneys also use providers of the required courses to file bankruptcy that are very expensive. If you are paying $12.00 or more for both of the required courses you are paying too much. If you pay more than $38 for a three source credit report you are paying too much. Some bankruptcy attorneys will charge you a processing fee regarding these courses for more or less doing nothing but click a few buttons on their mouse to order the courses for you. We do not do that and you will know why you are giving us each of every of your dollars. It is very clear and in writing for your records.

One of the most common questions is whether you can keep your stuff when filing for bankruptcy protection. The short answer is it depends, but almost everyone that files Chapter 7 keeps their stuff. One of the things you must do is determine the value of your stuff. Most people have used and valueless furniture and clothing. Every now and then someone may have a purse collection or gun collection that needs to be valued by a professional. We have the obligation/duty to disclose all of your assets and what the replacement values of your assets are, especially if they are valuable. Bankruptcy crimes are very serious and we want to make sure you have an issue free bankruptcy and receive the discharge of your debts you deserve. So if you believe you are going bankrupt please give us a call to schedule your free consultation. We have offices throughout the Bay Area for your convenience.

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