Business Details
San Francisco Bankruptcy Lawyer | Debt Relief Solutions
Courson Law is a dedicated San Francisco Bankruptcy Attorney with over 20 years of experience in consumer bankruptcy law. Specializing in Chapter 7 and Chapter 13 filings, the practice focuses on helping clients achieve debt-free futures through personalized legal strategies. With a 99% success rate in obtaining debt discharges or plan confirmations, the firm leverages California's generous exemption laws to protect clients' assets.Services are conducted remotely via phone or video conference, ensuring accessibility while maintaining compliance with federal bankruptcy procedures. The practice emphasizes transparency, client education, and practical solutions for financial distress.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Debt Discharge
Asset Protection
Remote Consultations
Highlights and features
- 20+ years of exclusive bankruptcy law experience
- 99% success rate in debt discharge cases
- Personalized remote consultations via phone/video
- Expertise in California asset protection laws
- Free initial case evaluation available
What people say
Candor, expertise, sense of humor
99% success rate
Generous exemptions
Free case evaluation
Asset protection
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates unsecured debts through asset liquidation exemptions. Ideal for debtors with limited income, this process typically concludes within 3-4 months. California's exemption laws protect essential assets like homes and vehicles while discharging credit card debt, medical bills, and other obligations.
Chapter 13 Bankruptcy
Chapter 13 reorganizes debts into manageable 3-5 year repayment plans. This option preserves non-exempt assets, stops foreclosures, and modifies loan terms. Debtors maintain property ownership while restructuring mortgage arrears, car loans, and priority tax obligations through court-approved payment schedules.
Means Test Analysis
Comprehensive evaluation determines Chapter 7 eligibility through income and expense calculations. The analysis considers household size, secured debts, and allowable deductions to overcome presumed abuse challenges. This service ensures accurate classification while maximizing exemption opportunities.
Exemption Planning
Strategic exemption selection preserves client assets during bankruptcy proceedings. The practice optimizes California's wildcard, homestead, and retirement account exemptions to protect cash, property equity, and personal belongings from liquidation by court trustees.
Remote Consultations
Secure telephone and video conference consultations facilitate document submission and case preparation. Electronic filing capabilities enable complete case management without in-person requirements, accommodating clients' schedules and geographic constraints through digital communication tools.
People
Marty Kevin Courson
Bankruptcy Attorney
San Francisco bankruptcy specialist with 20+ years of experience. Graduated top of class from Golden Gate University School of Law. Former NASA space shuttle program analyst. Maintains 99% case success rate through strategic exemption planning and digital case management.
Questions
What's the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 eliminates debts through asset exemptions while Chapter 13 restructures payments over 3-5 years. Eligibility depends on income and asset considerations.
Can I keep my home during bankruptcy?
California's $600,000 homestead exemption protects primary residences in most Chapter 7 cases. Chapter 13 allows mortgage arrearage repayment plans.
How does the bankruptcy means test work?
The test compares household income against state averages after allowable deductions for secured debts, living expenses, and priority obligations.
What property exemptions apply in California?
California offers wildcard, vehicle, and homestead exemptions protecting up to $600,000 in home equity, $2,500 in vehicle equity, and $1,000 in other assets.
How much does bankruptcy cost?
Chapter 7 fees start at $2,000 plus $338 court filing fee. Chapter 13 costs $2,500 plus $310 filing fee. Credit counseling adds $50 total for both courses.
Can I file bankruptcy remotely?
Yes, all consultations and document submissions can be completed electronically through secure digital communication channels without in-person meetings.
