California Bankruptcy Help From a Licensed Attorney
Talk to a knowledgeable bankruptcy team about whether Chapter 7 or Chapter 13 fits your situation. Get clear answers first, with no pressure to file.
Serving California residents. Your case is handled by Mehdi Moradi, a California bankruptcy attorney at Oak View Law Group.
Get Your Questions Answered
Tell us a little about your situation and pick a time for Nick to call. This takes about a minute.
Not Sure If Bankruptcy Is Right For You?
That is the most common reason people call us. Most people who reach out are not certain bankruptcy is the answer yet.
Before anything else, you'll speak with Nick, our attorney assistant, who will explain how Chapter 7 and Chapter 13 work and help you understand which one fits your situation. Only after you have your questions answered do you speak with the attorney.
The first call is to get your questions answered. We will not talk you into filing.
How It Works
No surprises. Here's exactly what happens after you reach out.
Tell us about your situation
Use the short form to share a few basics and pick a time for your call.
Nick calls you
At the time you choose, Nick explains your Chapter 7 and Chapter 13 options in plain English.
Speak with the attorney
If bankruptcy is the right path, you complete a detailed intake and talk with the attorney.
We guide your case
The attorney guides your case from filing all the way through discharge.
Chapter 7 and Chapter 13, Quick Difference
A plain-English overview to help you place yourself. This is general information, not legal advice.
| Chapter 7 | Chapter 13 | |
|---|---|---|
| What it does | Wipes out most unsecured debt | Sets up a court-approved repayment plan |
| Best for | Lower income, few assets to protect | Steady income, want to keep assets like a home |
| Rough timeline | A few months | A three to five year plan |
| Income test | Must pass a means test | Based on your regular income |
Not sure which one applies to you? That is exactly what Nick will help you figure out.
What About Cost?
There's no surprise pricing here. Nick and the attorney give you a clear breakdown during your consultation.
Bankruptcy involves an attorney fee plus required court and credit counseling costs. The exact amount depends on your situation and which chapter you file.
Attorney fee
Depends on your situation and whether you file Chapter 7 or Chapter 13.
Court filing and credit counseling costs
Required costs that sit on top of the attorney fee, so the all-in number is never a shock later.
A clear breakdown, in your consultation
We explain everything that's required before filing. No published figure, no guesswork.
Mehdi Moradi
Your case is handled by a California bankruptcy attorney.
Oak View Law Group
Helping people work toward a fresh financial start since 2007.
A required disclosure
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Before You Call
In most cases, filing bankruptcy triggers an automatic stay, a court order that generally stops collection calls, wage garnishment, and lawsuits while your case is active. How it applies depends on your situation, and there are some exceptions. Nick can explain how the automatic stay would work for you.
Chapter 7 generally depends on a means test that looks at your income compared to the California median for your household size, along with your expenses and assets. Many people qualify, and some do not. If Chapter 7 is not a fit, Chapter 13 may be. Nick will help you understand which one applies before you commit to anything.
Not always. California exemptions are designed to protect a certain amount of equity in your home, vehicle, and other property, and many people keep their assets. What you can protect depends on your equity, the chapter you file, and your situation. The attorney will review this with you in detail.
Quickly. After you submit the short form and pick a callback time, Nick reaches out to answer your questions and explain your options. There is no pressure to file, and the first conversation is about helping you understand where you stand.
Get clear answers first.
Speak with Nick about whether Chapter 7 or Chapter 13 fits your situation, with no pressure to file.