San Francisco Bankruptcy Attorney Mark Chernev
Mark Chernev is the founder of the firm.  He possesses over 12 years of experience as an attorney handling simple matters through high profile, complex litigation cases.

You're Not Alone
Millions of Americans are struggling to make ends meet.  Unfortunately it's no different here in the Bay Area.  Often people tirelessly struggle with their debt and put off talking to a bankruptcy attorney   In the process, they needlessly waste precious time and money by draining savings and retirement accounts, only to find themselves still in debt.

I Understand What You're Going Through
Whatever your reasons are for considering bankruptcy, I understand.  As a bankruptcy lawyer, I've seen a wide range of financial troubles and know what you are going through.  In fact, here are some warning signs to look at.  If you find yourself answering "yes" to more than a few, it may be time to schedule a free consultation.  As a San Francisco bankruptcy attorney, my job is to help hard working people successfully navigate the bankruptcy process by listening, discussing your options and helping you make wise decision.

Let's Discuss Your Options
Bankruptcy is not always the best option to address financial concerns. We will talk about your problems with creditors during your free, confidential consultation and discuss a range of options to address your situation.  I do not file for bankruptcy for every person I consult with.  Maybe filing for bankruptcy is not the best fit for you.  If so, I'll let you know.  If it is, however, we will create a personalized solution tailored for your schedule and needs.  My goal is to reduce as much of your debt as possible while securing your assets from creditors. Permanent, effective financial relief.

Get The Fresh Financial Start You Deserve  
Financial crisis can be brought on by many different reasons, often by no fault of a debtor.  Unexpected layoffs and job loss, medical bills and overwhelming credit card debt are just a few examples that can place people in both a challenging and unexpected financial situation.  Bankruptcy can help you get the fresh financial start you deserve.  Created to provide people with a fresh start, bankruptcy laws provide a new opportunity at life without being burdened by the pressures of past debts.  Although not every debt can be eliminated through bankruptcy, you may be released from liability on many of the most burdensome types of debt, such as credit card, medical bills and most consumer judgments.  We are comitted to seeing you get the maximum amount of debt discharged.  Once discharged, creditors are prohibited from ever taking action against you to collect on those debts.

Through bankruptcy, it may be possible to stop the foreclosure sale of your house, and allow you to keep your home and catch up on the missed payments by spreading them out over a 3 to 5 year period.

We take a problem solving approach to consumer bankruptcy and are committed to finding the most cost efficient solution to the financial situations of every client.  We will help you achieve the best results by maximizing the amount of debt you can be relieved from and protecting as much of your assets as you may be allowed.  After bankruptcy, you will have the opportunity to rebuild your credit and focus on your economic future.

Through the bankruptcy process, it may be possible for you to:
Discharge liabilities for most or all of your debts allowing you a fresh start. When your debt is discharged, you will have no further legal obligation to pay the debt.
Stop foreclosure actions on your home and allow you an opportunity to catch up on the missed payments.

Prevent repossession of your car or other property, and possibly force creditors to return property even after it has been repossessed.

Stop the wage garnishment and other debt collection harassment to give you some economic breathing room.

Restore or prevent termination of certain types of utility services.

Allow you an opportunity to challenge the claim of certain creditors who may have committed fraud or who are otherwise seeking to collect more than they are legally entitled to from you.