At the Law Offices of Susan J. Sanders, APC

we represent Chapter 7 Bankruptcy Debtors exclusively.


     The Law Offices of Susan J. Sanders, APC offers a free Bankruptcy consultation. At that consultation, Attorney Susan Sanders will walk you through the "means test" to see if you qualify for filing this type of bankruptcy.


     Under Chapter 7, you will be allowed to keep many of your assets using the exemptions from either federal law or California State law. A Chapter 7 bankruptcy can wipe out most of your existing debts. However, there are certain debts that cannot be discharged in bankruptcy. Some of those debts include spousal and/or child support and student loans. During your free consultation, you will receive information about which type of debts can and can’t be discharged.


     If you do qualify for Chapter 7 debt relief, you will receive a discharge of your qualifying debts. After your bankruptcy discharge, you will no longer be legally required to pay any debts that are discharged. Creditors must permanently cease all collection efforts including phone calls, letters, and any type of legal action.


Please call for your free consultation with Attorney Susan J. Sanders today. (858) 486-8886 or (760) 788-5668.