We know it can be intimidating to talk to a lawyer, especially a bankruptcy attorney. But the most common things we hear from our clients at the end of the first consultation are "I feel better" and "I wish I had met you sooner." We are San Francisco bankruptcy lawyers, Jeff Curl and Jeena Cho. We only practice Chapter 7 and Chapter 13 bankruptcy law, as well as debt settlement. We are here to offer solutions and guidance.

Filing for bankruptcy is not a reflection on you as a person. Perhaps you owe more on your home than what it is worth and you are struggling to make the payments. Perhaps you are going through a life changing experience such as a serious illness, loss of employment, divorce or death in the family. You do not have to go on living with the constant calls from the creditors or mounting debts. If you are overwhelmed by debt, we can help you to get a fresh start.

Consider this: If you have $60,000 in unsecured debt (such as credit cards) at 20% interest, the cost of the interest alone is approximately $12,000 per year. That's is about $1,000 per month. For the cost of a few interest payments, you can pay for a Chapter 7 and be done with it once and for all.