Is bankruptcy the right option for me?

Bankruptcy may be a good option if you are struggling with overwhelming debt and cannot realistically repay it. A consultation with a bankruptcy lawyer can help determine the best path forward.

What is the difference between Chapter 7 and Chapter 13 bankruptcy?

Chapter 7 eliminates most unsecured debts, while Chapter 13 creates a repayment plan over several years. The right choice depends on your income, assets, and financial goals.

Will bankruptcy stop creditor calls and wage garnishments?

Yes, filing for bankruptcy typically triggers an automatic stay, which stops most collection efforts, including creditor calls, lawsuits, and wage garnishments.

How long does the bankruptcy process take?

Chapter 7 cases are usually completed in a few months, while Chapter 13 repayment plans last three to five years.

How much does it cost to file for bankruptcy?

Costs vary depending on the complexity of your case, but many bankruptcy lawyers offer free consultations and flexible payment options.

BANKRUPTCY HELP IN CALIFORNIA

Sacramento Bankruptcy Lawyer You Can Trust

James L. Keenan is a 1988 graduate of the University of California, Berkeley, where he earned a degree in history.
He earned his J.D. in 1994 from the University of the Pacific, McGeorge School of Law. He has been a reputable bankruptcy lawyer in Sacramento for over 16 years and has successfully handled cases for many clients.
Mr. Keenan has won the Consumer Business Review Bankruptcy Attorney of the Year awards for 2008, 2009 and 2010.
From James:
"The basic philosophy of my practice is 'Personal service for personal needs'. With over 22 years experience, both around Sacramento, and throughout the surrounding areas, I have the personal touch with the experience and expertise to help you through your stressful situations."

If you’re feeling buried in debt, you’re not alone—and you’re not out of options. Financial stress can affect every part of your life, from your sleep to your relationships. The good news? Bankruptcy may offer a real path forward.

At James Keenan Law, we help individuals and families in Sacramento understand their options and take control of their financial future with confidence.

A Fresh Start Might Be Closer Than You Think

Bankruptcy isn’t about failure—it’s about rebuilding. Whether you’re facing overwhelming credit card debt, medical bills, or wage garnishments, filing for bankruptcy can help stop collection efforts and give you breathing room.

We’ll walk you through the process step-by-step, explaining everything in plain English so you can make informed decisions without added stress.

Chapter 7 and Chapter 13 Bankruptcy Explained

Every financial situation is different, which is why it’s important to choose the right type of bankruptcy.

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.

We’ll help you determine which option makes the most sense for your situation and goals.

Why Work with a Sacramento Bankruptcy Lawyer?

Bankruptcy laws can be complex, and even small mistakes can cause delays or complications. Having an experienced Sacramento bankruptcy lawyer on your side helps ensure everything is handled correctly from the start.

We take care of the paperwork, communicate with creditors, and guide you through court requirements—so you can focus on moving forward.

Stop Creditor Harassment and Take Back Control

Constant calls, letters, and threats from creditors can feel overwhelming. Filing for bankruptcy can put an immediate stop to most collection actions, including wage garnishments and lawsuits.

We act quickly to protect your rights and give you the relief you need to regain peace of mind.

Personalized Support Every Step of the Way

At James Keenan Law, you’re never just another case. We take the time to understand your unique situation and tailor a strategy that fits your needs.

You’ll always know where your case stands, what to expect next, and how each step brings you closer to financial stability.

Schedule Your Free Bankruptcy Consultation

If you’re ready to explore your options, we’re here to help.

Your consultation is completely free, and there’s no obligation. Let’s talk about your situation and find the best path forward—together.