Chapter 7 and 13 Debt Relief from Caring, Experienced San Jose Bankruptcy Attorneys

Jon-Brooks-San-Jose-Bankruptcy-Lawyer (med)The Law Offices of Jon G. Brooks is a small, personable law firm in San Jose, California, focused on providing exceptional legal representation for regular people at reasonable rates. We primarily practice in Chapter 7 and Chapter 13 consumer bankruptcyWe offer free consultations to anyone seeking advice from a bankruptcy attorney in the Bay Area. Contact us today to schedule a free consultation with a San Jose bankruptcy attorney. To see what our clients have to say, be sure to check out our reviews on Yelp.

San Jose Bankruptcy Lawyer Jon G. Brooks approaches the practice of Chapter 7 and Chapter 13 Bankruptcy law with respect for people and small businesses. One of our chief aims is to restore dignity and a sense of financial control to the lives of our bankruptcy clients. We represent honest, hardworking people who find themselves needing to file personal bankruptcy in San Jose or the Bay Area because, despite their hard work, they find themselves unable to pay their medical bills, credit cards, home equity loans, and other debt. As we often explain to our clients, the first step to getting ahead, is getting out of debt.

We never represent creditors, focusing instead on delivering a vigorous defense of consumer debtors’ rights under Chapter 7 and Chapter 13 bankruptcy. We are not a bankruptcy mill, like so many of our competitors advertising $499 for a bankruptcy (not the true cost, of course). Instead, we take the time to explain Chapter 7 and Chapter 13 bankruptcy protections and provide thorough counseling to our clients concerning the debt relief options available to them under bankruptcy law based on their individual financial situations. Our bankruptcy attorneys in San Jose represent clients on a flat fee basis in most cases, and again, we offer FREE initial consultations. Our free consultations usually last an hour or more with a real bankruptcy attorney, not a paralegal. Our level of analysis and service prevents the problems those cut-rate firms inevitably entail. The $499 bankruptcy mills often have their cases dismissed leaving their clients in a worse position than before.

We are rooted in our community. We are keenly aware that our bankruptcy clients come from one the most diverse, talented and hardworking communities in the US – San Jose, California – and that is why we love practicing bankruptcy law here. The reasons our clients need the protections of a Chapter 7 or Chapter 13 bankruptcy filing are as diverse as they are. Perhaps they are drowning in credit card debt, medical bills, or have judgments against them. Perhaps their home’s value has depreciated to an amount less than their first mortgage. Perhaps they are having their wages garnished due to a judgment. Bankruptcy clients from San Jose and the entire Bay Area are honest, hardworking, often highly educated middle class people.

Although we practice primarily in the San Jose Division of the US Bankruptcy Court for the Northern District of California, we also frequently file Chapter 7 and Chapter 13 bankruptcy cases in the Oakland and San Francisco Divisions of the Court. We are active members of the National Association of Consumer Bankruptcy Attorneys, the preeminent national group of consumer bankruptcy attorneys advocating for better bankruptcy laws and rules to protect families and individuals from abusive creditor practices in Washington and in local courts throughout the nation.

Bankruptcy Is Not a Bad Word

Our Bay Area bankruptcy attorneys believe in showing our clients respect and dignity. Filing personal bankruptcy is not a crime, and it has nothing to do with morality. As Chapter 7 or Chapter 13 debtors’ bankruptcy lawyers, we respect the fact that our clients have done nothing wrong to get into debt, though bill collectors often bully them into thinking so. Our clients may need bankruptcy help in San Jose because they have lost a job, are being sued by their lender on a Home Equity Line of Credit after losing a home to foreclosure, or suffered an illness that led to catastrophic medical bills. Whatever the reason and no matter how crushing the debt, our San Jose bankruptcy lawyers are here to help our clients get a fresh financial start with a Chapter 7 bankruptcy discharge or to succeed through a manageable Chapter 13 bankruptcy payment plan.

Bankruptcy Information - Filing Personal Bankruptcy in San Jose

Filing for bankruptcy is never an easy choice. Finding a bankruptcy attorney in San Jose may seem overwhelming. Our bankruptcy attorneys offer lengthy free consultations to every prospective client and treat each bankruptcy case with extraordinary care. By taking the first step of calling us for a free consultation, our clients take the first step toward a fresh financial start free of debt. If a debtor is eligible for a Chapter 7 bankruptcy, he or she can have nearly all his or her unsecured debts (like credit card debt) entirely discharged within about 90 days from the date we file the bankruptcy case. Most Chapter 7 clients are able to keep all of their property, provided the value of their assets does not exceed available California exemptions. Civil judgments, medical bills, credit cards, and even certain tax debts can be discharged in a Chapter 7 bankruptcy. We can often recover wage garnishments and bank levies for clients if executed within 90 days prior to the bankruptcy filing. If a debtor earns sufficient income to pay back some of his or her debt, then a Chapter 13 bankruptcy can offer significant legal protections while the debtor makes manageable payments on a Chapter 13 payment plan. In Chapter 13 bankruptcy cases, we can help clients strip second mortgage liens from property, thus converting a second mortgage into unsecured debt. In either case, bankruptcy law can be the last best lifeline for the client facing law suits, wage garnishment, bank levy, repossession, or just crushing credit card debt. And in either type of Chapter 7 or Chapter 13 bankruptcy, we ensure that creditors respect the Automatic Stay – the period that creditors are prohibited from all collection activities against the client, while his or her bankruptcy case is pending.

Imagine a Fresh Start – Free from Debt

Bankruptcy law, as a core principle, is aimed at giving honest debtors a chance to free themselves from debt. We can help you get there. We understand why bankruptcy law exists, and we seek to obtain the maximum debt relief and maximum protection from collectors, creditors, and bullies provided by our bankruptcy laws. Bankruptcy is supposed to offer a second chance, free from debt. Our San Jose bankruptcy attorneys and lawyers fight for just such a second chance for our bankruptcy clients.

San Jose Bankruptcy Attorneys Bankruptcy Discharge of Credit Card Debt
As bankruptcy attorneys, seeking debt relief for our clients, the Bankruptcy Code even requires that we state this goal: “We are a debt relief agency. We help people file for relief under the Bankruptcy Code.” And we’re proud of it!


A San Jose Bankruptcy Law Firm As Diverse As Our Clients

Our Spanish speaking clients appreciate that Mr. Brooks can fluently answer all of their questions about bankruptcy law and filing for bankruptcy protection in Spanish. Our San Jose bankruptcy attorneys are committed to serving this richly diverse community, including those who need a Spanish speaking bankruptcy lawyer.

While clients appreciate our
location on The Alameda, we are easily accessible from anywhere in the San Francisco Bay Area. We are near the College Park Cal Train Station, and we are very near the intersection of The Alameda and I-880, just minutes from Hayward, Fremont, Milpitas, Sunnyvale, and Santa Clara.

If you are thinking of filing bankruptcy, please read the information provided in the Consumer Bankruptcy practice area. We are a Debt Relief Agency as defined by federal law. We help people file for relief under the Bankruptcy Code.

Thank you for visiting our site. We hope you will find that it provides you with a sense of our Law Offices’ approach and personality. Again, we appreciate your cooperation in first reading and agreeing to our Terms and Conditions before using this site. Be sure to check out Jon’s Google+ Profile here: Jon Brooks.


Bankruptcy Code Sec. 527(b) Disclosures

Bankruptcy Code Sec. 527(b) Disclosures DISCLOSURES TO BANKRUPTCY CLIENTS PURSUANT TO BANKRUPTCY CODE SEC. 527(B) In compliance with the disclosure requirements imposed on attorneys and “debt relief agencies” under the new Bankruptcy Law, The Law Offices of Jon G. Brooks makes the following information available to you: DISCLOSURES CONCERNING HIRING AN ATTORNEY OR REPRESENTING YOURSELF […]

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Can I Keep My Assets if I File Bankruptcy?

Chapter 7 Bankruptcy Exemptions – Federal and California Exemptions of Debtor Assets An Introduction by the Bankruptcy Attorneys at the Law Office of Jon Brooks in San Jose, CA What Is The Bankruptcy Estate?Upon filing a bankruptcy petition in US Bankruptcy Court, with certain exceptions, everything the debtor owns as well as any interests in […]

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The Problem with Home Equity Lines of Credit (HELOCs)

During the housing bubble here in the Bay Area, and particularly, in San Jose, California, home values rose at eye-popping appreciation rates for most of the 2000s. Until 2008, many of our bankruptcy clients saw their homes’ values skyrocket. During that time, banks and mortgage brokers aggressively peddled non-purchase money second mortgages in the form […]

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Lien Stripping in Chapter 13 Bankruptcy

Our San Jose Chapter 13 Attorneys Have Stripped Dozens of Second Mortgages Helping People to Avoid Foreclosure and Keep Their Homes Few areas of the country have been hit harder by the home foreclosure crisis than San Jose, California, and the greater San Francisco Bay Area. As bankruptcy attorneys, we are at the forefront of […]

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Chapter 7 Bankruptcy Exemptions – Federal and California Exemptions of Debtor Assets

An Introduction by the Bankruptcy Attorneys at the Law Office of Jon Brooks in San Jose, CA What Is The Bankruptcy Estate? Upon filing a bankruptcy petition in US Bankruptcy Court, with certain exceptions, everything the debtor owns as well as any interests in property that the debtor may not even possess at time the […]

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Bay Area Cities We Serve

Alameda, Belmont, Berkeley, Campbell, Cupertino, Daly City, Dublin, Fremont, Gilroy, Hayward, Los Gatos, Milpitas, Mountain View, Morgan Hill, Newark, Oakland, Palo Alto, Pleasanton, Redwood City, San Carlos, San Francisco, San Jose, San Leandro, San Lorenzo, San Mateo, Santa Clara, Santa Cruz, Saratoga, Sunnyvale, and Union City.

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More Bankruptcy Resources

More California Bankruptcy Resources Below we have compiled a number of useful links to various California Bankruptcy Court resources, news items concerning bankruptcy, and miscellaneous bankruptcy resources to further inform our clients about bankruptcy law. Northern District of California Bankruptcy Court and Related Sites United States Bankruptcy Court, Northern District of CaliforniaChapter 7 Trustees Contact […]

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