Consumer Bankruptcy Lawyers in Santa Cruz County, California

When an individual debtor can no longer meet his or her financial obligations, he or she may seek protection through a bankruptcy proceeding in Santa Cruz County, California.

When an individual files for bankruptcy, he or she will usually file for either Chapter 7 or Chapter 13 bankruptcy.

Under a Chapter 7 bankruptcy, the debtor's nonexempt assets are liquidated and his or her debts are paid off. Debts remaining after all nonexempt assets are liquidated are usually discharged.

Under a Chapter 13 bankruptcy, the debtor is put on a court-ordered payment plan. Contact a bankruptcy attorney for legal advice on filing a Chapter 7 or Chapter 13 bankruptcy.