General Information
What you Need for a Consultation
Which Chapter is for you?
     Chapter 7
     Chapter 13
     Chapter 11
Are you a Creditor?
Costs and Fees
Why You Need an Attorney
Which Debts Can Be Discharged?
Consultation Forms 
Making Payments 
Feeling Guilty? 
Notes on California Foreclosure Law 
How the Process Works 

Louis Perkins Homepage

In determining which Chapter of Bankruptcy might be best for you, follow these links:

Everyone should first read the Chapter 7 information regardless of what their circumstances are as it contains both general and specific information on debts that can be discharged and other information.  Chapter 7 is always an option to be considered.

If you are a consumer with relatively few assets and mostly unsecured debt (such as some credit cards), see the information under Chapter 7 .

 If you have substantial assets (more assets than you think can be exempted) and you want to protect them; or, if you are behind on payments on a secured debt (such as your mortgage, car or other secured debt) and need time to catch up on your payments,  you should see the information under Chapter 13.

If you are a corporation or own your own business (dba or sole proprietorship), and you want to keep the business operating, you should examine the information in both Chapter 13 and Chapter 11.

Of course, before making any decision you should review all three choices and discuss them with an attorney, but your answers to the above questions should help to focus your analysis.

Click for Additional Information and Frequently Asked Questions if:
You are a Creditor (owed money by someone in bankruptcy), or
You are being sued by someone in bankruptcy.