Over 36 Years representing clients with Bankruptcy in Orange County
Bankruptcy Attorney Orange County Blog

Bounce Back with a Bankruptcy


You know how that old horror story goes -- it's 2020.  Job prospects are at zero but credit card balances are far from that.  Electric bills are through the roof because of a never-ending heat wave.  Landlords are patiently waiting for eviction moratoriums to expire because people just aren't paying rent.

For some, unemployment provides brief but necessary respite from creditors.  But what happens when jobs come back, and unemployment benefits disappear without taking all of those bills with them?

It is time to bury bankruptcy taboo, for good.  Long, long gone are the days of "debtor's prisons" and "poorhouses" -- mechanisms for shaming people who could not pay their bills. United States bankruptcy laws were enacted to eliminate those methods and protect those who are earning, and spending, but had a run of bad luck -- a medical issue; a divorce; a business venture that did not work out; a pandemic.  

We, as Californians, have had little control over what happened to us, and our state, this year.  The COVID-19 pandemic laughed at our collective efforts to work hard and earn income, and the recent fires (among other culprits) have destroyed homes and businesses across our beautiful state.  

None of this was your fault.  You worked hard, you filled out the paperwork, you hunkered down and tried to figure out what to do next.  What you can do now, though, is think about seeking federal bankruptcy protections, which the United States Constitution instructs Congress to enact for this very reason.


It is time to realize that a bankruptcy discharge -- not stringing yourself along on unemployment benefits -- is the way out of this nightmare.

For when it comes to bankruptcy, "F" does not mean failure.  In bankruptcy, "F" means Fresh Start. 


In a typical Chapter 7 bankruptcy, unsecured debts -- such as credit card debt -- are discharged. In other words, personal obligations to repay those unsecured debts are removed. If relocation (due to non-payment of rent or mortgage) is required, bankruptcy protections may include a homestead exemption that may be applied to a new home for you and your family. In this way, a fresh start in bankruptcy feels like fresh sheets -- a clean break from last week, last month, or even last year

My office provides free half hour, virtual consultations, during which we consider a potential client's assets and liabilities to see if bankruptcy is a viable option. If it is, a bankruptcy attorney will work to assist in every step of the bankruptcy process -- which typically lasts for just a few months. That means, by early 2021, you could wake up from this nightmare with something unemployment benefits are hard-pressed to provide -- a "reset" button on your finances.  

Start the next decade with no debt. We can only go up from here.  

Leah Michele Kaufman, Esq. is a Bankruptcy and business litigation attorney at Kaufman & Kaufman in Santa Ana, California. She practices with her father and mentor, Leslie Keith Kaufman, Esq.

Disclaimer. The content of this article is not legal advice, nor legal opinion, and should not be relied upon for individual situations. Legal counsel should be consulted for legal planning and advice. No lawyer-client relationship with Kaufman & Kaufman will be formed, and no information you want to keep confidential should be disclosed - through e-mail links or otherwise - to Kaufman & Kaufman, until the firm has conducted a "conflicts check" and you and the firm have signed a retainer agreement or an engagement letter.

Kaufman & Kaufman is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code, in the Central District of California. Kaufman & Kaufman does not practice or offer legal services in jurisdictions where firm lawyers are not licensed.

Questions about this article should be directed to Kaufman & Kaufman in writing. 

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How do I know if I qualify for Chapter 7 Bankruptcy in 2013 ?
How do I know if I qualify for Chapter 7 Bankruptcy in  2013 ? Orange County Tustin Garden Grove? Santa Ana? Irvine?
 Here is the answer from
Chapter 7 Bankruptcy Court
To qualify for relief under chapter 7 of the Bankruptcy Code, the debtor may be an individual, a partnership, or a corporation or other business entity. 11 U.S.C. §§ 101(41), 109(b). Subject to the means test described above for individual debtors, relief is available under chapter 7 irrespective of the amount of the debtor's debts or whether the debtor is solvent or insolvent. An individual cannot file under chapter 7 or any other chapter, however, if during the preceding 180 days a prior bankruptcy petition was dismissed due to the debtor's willful failure to appear before the court or comply with orders of the court, or the debtor voluntarily dismissed the previous case after creditors sought relief from the bankruptcy court to recover property upon which they hold liens. 11 U.S.C. §§ 109(g), 362(d) and (e). In addition, no individual may be a debtor under chapter 7 or any chapter of the Bankruptcy Code unless he or she has, within 180 days before filing, received credit counseling from an approved credit counseling agency either in an individual or group briefing. 11 U.S.C. §§ 109, 111. There are exceptions in emergency situations or where the U.S. trustee (or bankruptcy administrator) has determined that there are insufficient approved agencies to provide the required counseling. If a debt management plan is developed during required credit counseling, it must be filed with the court.
One of the primary purposes of bankruptcy is to discharge certain debts to give an honest individual debtor a "fresh start." The debtor has no liability for discharged debts. In a chapter 7 case, however, a discharge is only available to individual debtors, not to partnerships or corporations. 11 U.S.C. § 727(a)(1). Although an individual chapter 7 case usually results in a discharge of debts, the right to a discharge is not absolute, and some types of debts are not discharged. Moreover, a bankruptcy discharge does not extinguish a lien on property.
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We Have Officially Hit The 30 Year Mark-Cheers To Us Kaufman & Kaufman

We are happy to annouce Mr Kaufman has hit the 30 year mark as a Bankruptcy Attorney in Orange County.

Remember The law firm of Kaufman & Kaufman helps individuals, families, and businesses in Orange County who need legal assistance with bankruptcy.  Our family firm has been located in Central Orange County across from the Orange County Bankruptcy Court for 30 years.  Our Orange County, CA clients are quite happy to be represented by their own attorney from start-to-finish during their entire bankruptcy case.  At the Orange County bankruptcy law firm of Kaufman & Kaufman located in Santa Ana, CA, we have helped people get their financial freedom back for over 30 years.

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Looking for a fresh start for the New Year? Stop The Stress, Stop The Phone Calls

File Today with me , I can help you through this, Here at Kaufman & Kaufman, I worry for you.

We are a Orange County debt relief agency. Law Offices of Kaufman&Kaufman;
714-550-9305.

We help people file for bankruptcy relief in Orange County under the Bankruptcy Code." SAME DAY FILING: Electronic filing is now available to file your petition as soon as it is signed. .Get creditors off your back and get a fresh start.


WE DO NOT USE PARALEGALS: At the law offices of Kaufman&Kaufman you will speak directly with the attorney who will handle your case from beginning to end. We are one of the oldest and best Bankruptcy law firms in Orange County, and have been proudly serving Southern California since 1983. Please call the Law Offices of Kaufman&Kaufman today at (714) 550-9305 to schedule your free consultation with an attorney to discuss .

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