Law Office of James L. Keenan

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James Keenan Law

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PH 916.448.6923

TXT 916.715.6145

EMAIL James now!

Contact me for a free consultation!

PH (916) 448-6923

TXT (916) 715-6145

EMAIL James now!

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Sacramento Bankruptcy & Debt Relief Attorney

Get news, tips and information about bankruptcy filing and debt relief/elimination in Sacramento

Debt Elimination Through Bankruptcy

Debt Elimination Through Bankruptcy

Why file for bankruptcy? Debt elimination though bankruptcy is the purpose for filing bankruptcy. It is also the basis of the bankruptcy discharge. A bankruptcy discharge is a court order canceling, or eliminating your debts. It’s that simple. The order is issued by the United States Bankruptcy Court.

The U.S. Bankruptcy Court is a branch within the federal court system. See here for yourself. Federal courts typically have one court per state. Some, though, like California, have more. California is divided into four federal court districts. The region encompassing Sacramento and its vicinity is the Eastern District of California. Here is a link to the bankruptcy court in Sacramento. Its official name is the United States Bankruptcy Court, Eastern District of California. Debt elimination through bankruptcy is the reason for this court system.

Consumers considering bankruptcy do so due to debt they cannot afford to repay. Debt elimination trough bankruptcy provides the necessary relief some consumers need. Bankruptcy does not allow the elimination of all debts. Some debt, like federally guaranteed student loans, past-due sales tax and damages done due to crimes cannot be discharged. This means that even if you file for bankruptcy you cannot eliminate these debts.

Though debt elimination through bankruptcy is why many people file for bankruptcy, the entire elimination of debt is not always possible. In addition to certain debts that can’t be discharged, there are income limitations. The less you make, the less debt you may have to repay. The more you make, the more you may have to repay. Most people filing Chapter 7 bankruptcy, the most common form of consumer bankruptcy filing, do not have to repay any of their debts. Those who can afford to repay at least a portion of their debts usually file Chapter 13 bankruptcy.

Whatever form of bankruptcy filing you choose, know that debt elimination through bankruptcy is the reason you are filing. Consumer debt is on the rise as this Consumer Reports article points out. And if you can’t afford to repay your debt, bankruptcy is the only option to eliminate it.

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Not Alone Filing Bankruptcy
Bankruptcy Debt Relief

Law Offices of James L. Keenan

2600 H St. Sacramento, CA 95816

Phone: 916-448-6923

Fax: 916-442-6524


Office Hours: Mon – Fri 8 a.m. – 5:30 p.m.

Evening Appointments Available

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Disclaimer: The legal information presented at this site should not be construed to be formal legal advice, nor the formation of a lawyer or attorney client relationship. Any results set forth herein are based upon the facts of that particular case and do not represent a promise or guarantee. Please contact James Keenan personally for a consultation on your particular matter. This web site is not intended to solicit clients for matters outside of the state of California.