Jeena Cho, San Francisco bankruptcy attorney head shot
Jeena Cho Attorney Avvo

Why I became a lawyer

Even at a young age, I always knew I wanted be a lawyer. Growing up, my favorite show was Law & Order. My family immigrated from South Korea in 1988. No one in my family spoke any English. Growing up in Astoria, NY – just outside of Manhattan was tough. I saw my parents taken advantage of because they didn’t speak English. I believed if I became a lawyer, I could do good (and fight the evils of the world just as in my favorite TV show). After graduating from University at Buffalo in 2003, I became a District Attorney. I started out in Domestic Violence court. Maybe it was “reality” meeting “fantasy TV”world but I didn’t feel I was helping people or even doing good in the world. I was managing too many cases, overworked and did not feel appreciated.


Why I love practicing bankruptcy law

I became a San Francisco bankruptcy attorney by chance. As a volunteer attorney for AIDS Legal Referral Service and I took a pro bono bankruptcy case. The client was a very sweet man with broken English – an immigrant like myself. I filed his Chapter 7 bankruptcy and 3 months later, and he was debt free. He hugged me and thanked me over and over again. I knew then that I wasn’t meant to put bad guys in jail but rather free people from debt.


I’ll admit, until I took this case, I believed all the common myths about bankruptcy. Having met hundreds of clients since then, I can tell you that there is no demographic for people who file for bankruptcy. People from all walks of life, each with his or her own unique story file for bankruptcy. I enjoy getting to know each and every one of my clients because everyone has a story to tell. Most are incredibly successful, smart and unique. I often wish I could have all of my clients in a giant room and have everyone meet each other because you would see that my clients are no different then you.



Waiting and denial will only make your situation worse

The single theme, the common denominator from one client to the next is this – everyone struggles for a long time and lives in denial before coming in to see me. Some pay a severe consequence for living in denial – lawsuits, wage garnishments, foreclosures, repossessions, etc.

I enjoy coming up with creative solutions to our clients’ most pressing financial issues. I will explore all options available to my clients, including debt settlement and other non-bankruptcy alternatives where appropriate. If suitable, I will file a Chapter 7 bankruptcy or Chapter 13 bankruptcy.

Please don’t wait too long to get help. If you feel your situation is getting overwhelming, schedule a consultation with me. I am here to help you!



J.D., State University of New York, University at Buffalo, School of Law
B.A., State University of New York, University at Buffalo


State Bar of California
State Bar of Florida
United States District Court, Northern District of California


National Association of Consumer Bankruptcy Attorneys
Asian American Bar Association
AIDS Legal Referral Panel
The Bar Association of San Francisco – Business, Commercial and Bankruptcy Barristers Club, Vice Chair


Fluent in Korean

Publications & Speaking Engagements

Helping Clients with Income Tax Debts, The Bar Association of San Francisco Bulletin (April 2010)
Don’t fall for the ‘Obama debt bailout program’ scam, (August 4, 2010)
Spouse can’t stop spending? Get a ‘financial divorce’, (February 2, 2011)
Why I Love Being a Lawyer, ABA Journal (February 1, 2011)
I do declare: bankruptcy can be beautiful!, SFGate (February 16, 2011)
Protect your credit during divorce, Sally Herigstad, (March 18, 2011)
Dealing with Unethical Debt Collectors, Fox Business (January 17, 2012)
Bankruptcy Basics, Speaker, San Francisco Law Library (February 6, 2012)
Blogging for Lawyers, Speaker, San Francisco Bar Association (February 21, 2012)
Twitter for Lawyers, Speaker, San Francisco Bar Association (April 17, 2012)
Battle of Bankruptcy vs. Offer in Compromise, Speaker, San Francisco Bar Association (May 19, 2013)
How to Pick a Bankruptcy Attorney, Fox Business (May 21, 2013)