CALL 415-433-3100

San Francisco Bankruptcy Attorney

Chapter 7 and Chapter 13

Bankruptcy Attorney Marty Courson represents consumers and small businesses in Chapter 7 and Chapter 13 bankruptcy cases filed throughout the greater San Francisco Bay Area including: San Mateo, Santa Clara, Alameda, Contra Costa, Solano, Sacramento, San Joaquin, Napa, Lake, Sonoma and Marin counties.

Information About Bankruptcy

You can simply call Mr. Courson and arrange a consult or you can read more about the bankruptcy process here:
  • How much does a bankruptcy cost?
  • How about a brief overview of Chapter 7?
  • Why would I consider filing a Chapter 13?
  • Will a bankruptcy stop a lawsuit?
  • Can I see some examples of the Chapter 7 "Means Test"?
  • Which property may I retain as "exempt"?
  • Can a bankruptcy stop foreclosure?
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How can this San Francisco

Bankruptcy Lawyer Help You?

Most people are concerned that they will "lose everything" if they file a bankruptcy. The truth is, with the generous exemption scheme for property in California, almost 98% of bankruptcy debtors keep everything. Everyone has different property combinations and consumers really need a competent bankruptcy lawyer to advise on what is exempt and what is not.
Chapter 7
More than 75% of the people that call me are eligible for a Chapter 7 “straight” bankruptcy where they get rid of all their debts from credit cards, post-foreclosure mortgages, repossessed cars, medical bills, judgments and the like. Few people with an expert bankruptcy lawyer lose any assets in a Chapter 7. Why? Because with good advice, you can time your bankruptcy so you keep everything.
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Chapter 13
Chapter 13 is the gold standard for consumers who need to reorganize their financial affairs or otherwise make too much money to qualify for a Chapter 7. For eligible cases, when using Chapter 13, you can: pay your unsecured creditors next to nothing while you strip away an underwater 2nd mortgage, “cram down” a car loan to the value of the car and pay it at a lower interest, play catch up with back mortgage payments, pay co-signed student loans in full and pay off required tax debts and discharge the others.
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Protect Your Rights
There is much false information floating around about bankruptcy. If you live in the greater San Francisco Bay Area and want to understand your bankruptcy options, then call Marty K. Courson at 415-433-3100.

The initial consultation for prospective bankruptcy clients is always FREE.
For example: If you are an ordinary California renter, owning basic household goods and possessions, jewelry worth $3,000, a car with $5,000 in equity, a 401k worth $150,000, and $15,000 of good old cash in the bank – ALL WOULD BE EXEMPT!

The important thing is to consult with a bankruptcy attorney to:
1. Minimize the amount you have to pay to creditors.
2. Maximize the property you get to keep.