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California Bankruptcy Explained

Is your family drowning in debt? The stress caused by too much debt can damage more than your credit — it can also wreck your personal relationships, your health, and your quality of life.

When your family struggles to make ends meet, it can feel like all you do is worry. If trying to figure out how to pay your bills each month feels like putting together a puzzle with missing pieces, it’s time for a change.

Bankruptcy can put an end to the constant stress and put you back on the path to prosperity. At DebtStoppers, we’ve helped thousands of families find relief from their backbreaking debts and get a brand new start with bankruptcy. Call or text us today at 323-916-8660 to schedule a free one-on-one consultation with one of our experienced California lawyers.

The California Bankruptcy Process

The first step in the California bankruptcy process is to file a petition in the district court located closest to you. The moment your lawyer submits your petition, the court will issue an automatic stay that orders your creditors to stop all of their collection efforts against you.

The stay prohibits your creditors from pursuing:

  • Foreclosure
  • Repossession
  • Wage garnishment
  • Lawsuits
  • Collection calls

Filing for bankruptcy in California offers you the debt relief that your family needs to live a peaceful and happy life. You will be able to leave behind the sleepless nights and endless anxiety and finally get the peace of mind you’ve been looking for.

What Are the Different Types of Bankruptcy?

There are two types of personal bankruptcies to choose from; Chapter 7 and Chapter 13. With Chapter 7, you can quickly eliminate most of your debts and start over with a fresh financial slate. Even though California laws permit a case trustee to sell certain assets to repay some of your debts, DebtStoppers clients usually keep most — if not all — of their belongings.

On the other hand, Chapter 13 will reduce and restructure your debts instead of completely wiping them out. Rather than struggling to pay each creditor separately every month, you will make one payment directly to a court-appointed trustee. If you successfully complete your 3-to-5-year repayment plan, you won’t have to sell anything you own.

District Court Locations in California

California bankruptcy courts are located in 14 cities within four districts.

The district court locations include:

  • Northern District
    • San Francisco
    • Oakland
    • San Jose
    • Eureka-McKinleyville
  • Eastern District
    • Sacramento
    • Fresno
    • Redding
    • Bakersfield
    • Yosemite
  • Southern District
    • San Diego
    • El Centro
  • Central District
    • Los Angeles
    • Riverside
    • Santa Ana

DebtStoppers is located in the L.A. area and practices in the Central District of California, but your petition will be submitted to the court closest to your home.

DebtStoppers Can Help

DebtStoppers bankruptcy can design a custom bankruptcy plan that is perfectly tailored to meet your family’s needs. Call or text DebtStoppers today at 323-916-8660 to request a no-obligation debt analysis with one of our skilled California attorneys.

Your life is just too short to spend it worrying about debt. Don’t waste another day! Call or text DebtStoppers today at 323-916-8660 to schedule a free bankruptcy consultation with a knowledgeable California lawyer, and let us help you get the stress-free life you deserve.