Bankruptcy Help in California You Can Rely On
If you’re struggling with debt in California, it can feel like there’s no way out. Bills pile up, creditors keep calling, and the stress starts to take over your daily life.
The good news is—you have options. Bankruptcy can provide real relief and a fresh financial start. At James Keenan Law, we help individuals across California understand their rights and take the first step toward financial freedom.
Although bankruptcy is governed by Federal law, exemptions of assets you may keep in California may vary from other States' exemptions. So, just because someone you know from another State says this or that applies, doesn't necessarily mean the same rules and conditions apply here in California. So the first step to take when considering bankruptcy is to get a good, experienced attorney who is skilled in bankruptcy here in California. Bankruptcy is a very specialized and complex area of law, with severe penalties if done wrong. This is not a job for an inexperienced person.
Should I file for bankruptcy?
There are many issues in your life if you are asking this question, and it's important to speak to someone experienced who can help guide you to the correct decision. Bankruptcy is a big step, but, on the other hand, the relief that filing bankruptcy gives can be substantial.
When you talk with us, we will advise you on the best course of action for your unique situation. There are different bankruptcy options, and these affect you and your financial situation in different ways.
Take Control of Your Financial Future
Debt doesn’t have to define your future. Whether you’re dealing with credit cards, medical bills, or unexpected financial setbacks, bankruptcy can help you reset and rebuild.
We’ll guide you through your options in a clear, straightforward way, so you can make confident decisions without feeling overwhelmed.
Types of Bankruptcy
We specialize in Chapter 7 and Chapter 13 bankruptcy. The names are derived from the chapter of the Federal Bankruptcy Code to which they apply to.
Chapter 7 bankruptcy is the most common form of bankruptcy for individuals. It is called a "Liquidation Bankruptcy" as the court sells your assets to obtain cash to pay off your debts. Normally, all assets can be protected or exempted..
Chapter 13 bankruptcy is called a "Reorganizing Bankruptcy" because the debtor keeps all their assets and makes repayments to their creditors over a 3-5 year period. There are limits to the amount of debt that can be covered by a Chapter 13 bankruptcy.
How long does a bankruptcy case take?
The length of the case is dependent on which type of bankruptcy you choose. In a Chapter 7, debts could be discharged in as little as 3-4 months. A Chapter 13, because of its payment plan setup, can take as long as 5 years.
What is an Automatic Stay, and how does it work?
When you file for bankruptcy protection, the Federal Court issues a notice of automatic stay, which prevents creditors from chasing debts you owe them.
Stop Creditor Harassment and Protect What Matters
If you’re dealing with constant calls, lawsuits, or wage garnishments, bankruptcy can help put an immediate stop to most collection actions.
This legal protection gives you the breathing room you need to regroup and move forward without constant pressure from creditors.
Personalized Bankruptcy Help Across California
At James Keenan Law, we understand that every financial situation is different. That’s why we take a personalized approach to every case.
You’ll get clear communication, honest guidance, and a strategy designed specifically for your needs—so you always feel supported throughout the process.
Start with a Free Consultation
If you’re ready to explore your options, we’re here to help.
Your consultation is free, and there’s no pressure. Let’s talk about your situation and find the best path forward for your financial future.