Bankruptcy is not the end; it is a new beginning.

People just like you throughout California are asking themselves whether this month’s paycheck will be enough. Expenses keep going up, but income stays the same. To you and others like you, it probably seems as though there’s no way out.

The California bankruptcy attorneys at Hughes Financial Law are experts in helping people struggling with debt to gain the upper hand on creditors and forge a new path to financial prosperity. Our attorneys have extensive experience handling Chapters 7, 11, and 13 bankruptcies. However, it’s our understanding of our clients’ needs that makes us the right attorneys for you.

Bankruptcy isn’t something to be ashamed of. We all want to pay our bills and provide for our families. Filing for bankruptcy is merely the first step you need to take to get yourself back on top of your bills and living a more stress-free life. The California bankruptcy attorneys at Hughes Financial Law want nothing more than to see you succeed in taking the fight to your creditors. Remember, bankruptcy is not the end; it’s a new beginning. Contact us online, visit one of our California offices, or call 800-385-2821 and start fresh today.

Chapter 7

Get a fresh start with Chapter 7. In most cases, you can eliminate all your debt while keeping your assets.Learn More

Chapter 11

Reorganize debt with Chapter 11. This option for businesses and individuals makes debt repayment affordable—and can even force loan modification on real estate.Learn More

Chapter 13

Restructure debt with Chapter 13. Reduce, defer, restructure, or walk away from your payments on car loans, mortgages, and other debts.Learn More

Bankruptcy Alternatives

Bankruptcy is not right for everyone. Learn about financial alternatives that allow you to reduce your debts without filing for bankruptcy.Learn More

Three things you need to know if you’re considering bankruptcy

If you’re considering bankruptcy, the first thing you should do is talk to our California bankruptcy attorneys at Hughes Financial Law. In California, bankruptcy laws are complicated and always changing, so you’ll need professional counsel to navigate the process. However, there are some “bankruptcy basics” that every Californian should know:

As you work with your California bankruptcy attorney to decide whether or not to file for bankruptcy, it’s important to know what bankruptcy can’t do. Bankruptcy usually can’t get rid of student loans, as it’s very difficult to prove that repayment of student loans would cause “undue hardship.” Also, bankruptcy can’t wipe out child support and alimony obligations; you’ll still be required to pay those amounts in full. While bankruptcy can dismiss many debts, it typically does not eliminate liens that allow creditors to repossess property not paid for; in some cases, though, bankruptcy attorneys can help California residents keep their property. Bankruptcy also can’t automatically waive tax debt, but the experienced bankruptcy attorneys at Hughes Financial Law can increase your odds of discharging unpaid taxes.