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Chapter 7 - Fresh Start
Chapter 13 - Reorganization
Bankruptcy Basics
Glossary of Bankruptcy Terms
BANKRUPTCY – Getting Started
Free Initial Consultation
Congratulations on your decision to take control of your finances and to start the bankruptcy process. This process can be complex and time consuming, but the sooner you get started, the sooner you will be free from harassing phone calls and the threat of repossessions, foreclosure, and potential lawsuits; and the sooner you will be on your way to financial freedom.

At JPS, we have experience in helping debtors navigate the complexities of this process. We can help you make the initial determination as to whether bankruptcy is the right option for you, and, if so, what bankruptcy chapter is the right chapter for you to file under.  If you retain JPS, we will counsel you on the entire process and what you can expect.  We will work with you to collect and organize all the required information for your bankruptcy petition.   The bankruptcy petition requires the attachment of multiple detailed documents.   With the information you provide us, we will complete and file these documents for you.   We will counsel you on the role of the trustee and what you will need to provide to the trustee.  We will meet with you before the Creditors’ Meeting to help you understand what to expect, and we will attend the Creditors’ Meeting with you.  Depending on the complexity of your particular case, we can assist you in whatever matters that my come up in your bankruptcy case, including such things as stripping the lien from your second mortgage, responding to creditors' objections to the plan, responding to creditors attempts to get a waiver of the automatic stay, etc.

The first step in this process is simple, and it is free. In order to get started, you will need to provide us with certain information concerning your finances, your income, your expenses and your property. Once we receive this information, someone from our office will contact you to discuss the details of your particular case and to discuss whether bankruptcy might be the right choice for you. In the meantime, it will be important that you collect certain information and supporting documentation that we will need in order to file your bankruptcy petition. If you decide to pursue a bankruptcy with us, you will be assured of quality, professional service by a licensed California bankruptcy attorney. Our rates are reasonable, and we have payment plans available for those who might need it.
Basic Information
For your free initial consultation, please fill out the form below, and someone from our office will contact you.
*First Name *Last Name
*Address 1 *Home Phone
Address 2 Work Phone
*City *Email Address
Filing As  Filing As Chapter
Nature of Debts    

Gross Monthly Income


Estimated Total Assets


Estimated Total Secured Debts


Estimated Total Unsecured Debts


Estimated Number
of Creditors

Do You Own
Your House?


Estimated Balance
On 1st Mortgage


Estimated Balance
On 2nd Mortgage


Do You Want To
Keep Your House?

Is Your House
In Foreclosure?

Has A Sale Date Been Set For Your House?

If Yes,
what is the date?
   *Required Fields

Privacy Policy
: We treat all information that you provide as strictly confidential and will only use this information to counsel you on bankruptcy-related issues. We will never disclose your name or information to any third-party without your permission. We will never sell your name and information to any third-party marketer. By submitting the form above, you are requesting that someone from our offices contact you.  Submitting information through this form or over the telephone does not establish an attorney-client relationship between you and JPS.  An attorney-client relationship can only be established with JPS by mutually executing an Attorney-Client Agreement.
Additional Information and Documentation

For Your Bankruptcy Petition

After the initial consultation, in order to file your bankruptcy petition, we will need additional financial information and supporting documentation. Please start gathering this information.

This information includes:

  • Complete list of all your creditors.
  • Information on your income and assets. (We will provide you with forms to help you gather this information.)
  • Information on your expenses and liabilities. (We will provide you with forms to help you gather this information.)
  • General information for both the debtor and any co-debtor. (We will provide you with a form to help you gather this information.)
  • Federal tax returns for the past three years.
  • Bank statements for the 6 months prior to the date of filing the petition.
  • Various other information and documentation that we will explain during the consultation.

For Us To Represent You

In order to represent you, we will also need to execute the Attorney/Client Retainer and Fee Agreement. (We will provide you with the Agreement.)

We look forward to helping you with your bankruptcy matter and to getting you back on your way to financial health.

Practice Areas
Commercial Real Estate
  Purchase and Sale
  Real Estate Due Diligence
Residential Real Estate
  Property Use Issues
Real Estate Finance
  Commercial Finance
  Residential Foreclosure Prevention
  Residential Loan Modification
  Chapter 7 - Fresh Start
  Chapter 13 - Reorganization
  Bankruptcy Basics
  Glossary of Bankruptcy Terms
Resource Center
United States Courts − Bankruptcy
A brief overview of the structure and function of bankruptcy courts.
United States Courts − Bankruptcy
Chapter 7Liquidation Under the Bankruptcy Code.
United States Courts − Bankruptcy
Chapter 13Individual Debt Adjustment
HUD − Loan Modification Frequently Asked Questions
FHA Loan Articles − What You Should Know About Obama Loan Modification
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