A Southern California Bankruptcy Law Firm

Welcome to The Law Offices of Zhou & Chini. You are probably visiting our website because you are experiencing a financial hardship and need the assistance of a bankruptcy attorney or just have questions about filing bankruptcy. At The Law Offices of Zhou & Chini you can speak directly to a bankruptcy lawyer to help you decide if filing bankruptcy is a good option for you, and which Chapter you qualify for. Our bankruptcy attorneys can answer your questions about bankruptcy and help you eliminate credit card debt, avoid foreclosure, stop wage garnishments and vehicle repossessions. We will explain the the process to file for bankruptcy, bankruptcy alternatives and your life after bankruptcy with your initial Free Consultation.

We understand filing bankruptcy is a major decision, the decision to file (or not to file) bankruptcy and whether or not to use a bankruptcy attorney to file your bankruptcy petition. Our bankruptcy lawyers are here to help and give you legal advice so you can make a well informed decision. Once you consider filing bankruptcy your bankruptcy attorney will run a means test to determine if you qualify for Chapter 7 Bankruptcy, Chapter 13 bankruptcy or Chapter 11 bankruptcy. In 2005 bankruptcy laws were rewritten and many things changed; now a consumer needs to first determine if they qualify to file for bankruptcy under Chapter 7 of the bankruptcy code. Chapter 7 is the most sought after chapter of the bankruptcy code because it will completely eliminate unsecured debt and offer consumers and businesses a fresh start.

After making the tough and well informed decision to file bankruptcy you will need to know what debts you can eliminate and what property you can keep. The bankruptcy attorneys at Zhou & Chini will walk you through everything during you schedule your FREE CONSULTATION.

If you are still on the fence and don’t know if filing for bankruptcy is right for you just call our office and talk directly to a bankruptcy attorney. The bankruptcy attorneys at Zhou & Chini are highly skilled and care about your financial situation, even offering bankruptcy alternatives if filing bankruptcy is not right for you. Depending on the type and extent of your debt, options such as debt settlement or credit counseling may be reasonable alternatives to filing for bankruptcy protection. We understand filing bankruptcy may not be for everyone and typically is a last resort. It is important to do your due diligence to determine if bankruptcy is the right choice for you and your family and which bankruptcy attorney to employ. Knowledge is power, and bankruptcy is a powerful tool to help consumers and businesses with debt relief. The bankruptcy attorneys at the Law Offices of Zhou & Chini will offer their knowledge and expertise relating to Federal bankruptcy laws and California state exemptions. Call us today to schedule a FREE CONSULTATION.