We know how devastating it can be to constantly be struggling with overwhelming debt, and with the help of our experienced legal team, you can obtain lasting relief from debt and the stress that goes along with it. We offer prospective clients a free initial consultation, which means you can discuss the specifics of your bankruptcy case with our team before making any decisions.

CPLG Bankruptcy Attorneys represents debtors in Chapter 7, Chapter 11 and Chapter 13 bankruptcy cases and are licensed in every jurisdiction in the state of California. With over 15 years of experience, our trusted bankruptcy attorneys have the skill and experience necessary to guide you through every step of the bankruptcy process. We also use state of the art technology to provide superior service and performance for our clients.

Although our business is filing bankruptcies, if it is not the best option for you we will give you an honest evaluation. We understand the sensitive and difficult time that you are going through and want to help guide you to the best decisions during this process.

Call 866-293-9706 for a Free Case Evaluation. We will explain your options and the process with compassion and understanding.

The short answer is the U.S. Bankruptcy Court* strongly recommends individuals hire a competent attorney rather than represent themselves. WHY?

• You can lose all of your assets, or fail to discharge debt
• Bankruptcy laws are not debtor friendly
• Qualifying for bankruptcy is harder than ever
• It’s a complicated process that should be handled by a professional
• We represent you in Bankruptcy Court
• We prepare all of your petition, schedules and all local forms for filing
• You will be advised every step of the way

Call 866-293-9706 for a Free Case Evaluation. We will explain your options and the process with compassion and understanding.

{*source https://www.uscourts.gov/ }

Under U.S. bankruptcy law, filing a petitioning for Chapter 7, Chapter 11 or Chapter 13 bankruptcy means that creditors must immediately stop all of their collection efforts. However, they sometimes cross the line and engage in debtor harassment. What many people may not know is that companies that violate these laws can face litigation and other financial consequences such as court sanctions.

Creditors can be unrelenting in their attempts to collect on debts owed. However, they sometimes cross the line and engage in debtor harassment. What many people may not know is that companies that violate these laws can face litigation and other financial consequences such as court sanctions.

Do not be intimidated by aggressive creditors. Bankruptcy is there to provide you with relief from creditors so that you can have a fresh start and CPLG Bankruptcy Attorneys can help it stop today.

Call 866-293-9706 for a Free Case Evaluation. We will explain your options and the process with compassion and understanding.

As soon as you file a petition for bankruptcy, the court will impose what’s known as an automatic stay. While the stay is in effect, all collection activities, including lawsuits, against you must immediately cease, and all creditors must stop contacting you. Even earlier than filing, if you are actively working with a bankruptcy attorney who has informed your creditor that you are represented, then your creditor is not allowed to contact you directly while you are represented.

While the stay is only temporary, it stops creditor harassment and gives you enough time to work with your lawyer on a more permanent solution to your debt issues, including the possibility of eliminating your debts in their entirety. If you are contacted by a creditor during this time, you can simply refer them to your attorney.

In a Chapter 7, the process takes an average of four one-half months. In a Chapter 13, the process to get approved generally takes a couple months, but the entire process can be three or five years depending on your situation. In a Chapter 11, the approval process and the length of the plan depend entirely on the individual situation of each debtor.

Call 866-293-9706 for a Free Case Evaluation. We will explain your options and the process with compassion and understanding.

Each Chapter has its own eligibility standards. For Chapter 7, this is a test based on your income and the number of people in your household. This is called the means test. The numbers are also different depending on what county you live in. For a Chapter 13 bankruptcy, it depends on your disposable income based on Bankruptcy guidelines and your level of debt — both secured and unsecured.

Call 866-293-9706 for a Free Case Evaluation. We will explain your options and the process with compassion and understanding.