Sacramento

Bankruptcy Lawyers Serving Sacramento

Over 30 Years of Combined Experience Guiding Debt Relief Decisions

At Financial Relief Law Center, APC, we advise individuals, families, and business owners facing collection pressure, lawsuits, foreclosure risk, or unmanageable personal and business debt. We also assess alternatives when filing isn’t appropriate for a client’s circumstances or goals.

We review your finances, property concerns, and goals before recommending a path forward. This evaluation helps identify which bankruptcy chapter or non-bankruptcy strategy warrants closer consideration before you commit to a course of action.

Discuss your financial situation and possible next steps with our bankruptcy attorneys. Call (949) 787-1889 to request a consultation.

Bankruptcy Chapters & Related Debt Solutions

Each chapter addresses different financial circumstances. Eligibility, available relief, ongoing obligations, and how property may be treated depend on the facts of the case.

Our bankruptcy services include:

Chapter 7 bankruptcy: Addresses liquidation and discharge issues for qualifying individuals and businesses.
Chapter 13 bankruptcy: Uses a court-supervised repayment plan for eligible individuals with regular income.
Chapter 11 bankruptcy: Provides a reorganization process often considered by businesses and individuals with complex financial obligations.
Chapter 12 bankruptcy: Offers a reorganization process designed for eligible family farmers and family fishermen.

Filing isn’t the only option we evaluate. We also handle pre-bankruptcy planning, debt settlement negotiations, short sales, surplus funds recovery, foreclosure equity matters, bankruptcy litigation, adversary proceedings, and corporate consulting. The appropriate approach depends on the debt and assets involved, creditor activity, and whether continued operations or property retention is a priority.

Individualized Guidance for Consequential Financial Decisions

Our attorneys bring over 30 years of combined legal experience to bankruptcy and debt-relief cases. Managing Partner Amanda Billyard and Partner Andy C. Warshaw lead a practice centered on practical analysis, compassionate representation, and strategies tailored to each client’s finances. We provide straightforward guidance without judgment and regular updates about case status. Our firm also holds an A+ rating from the Better Business Bureau.

What to Expect During a Bankruptcy Case

During a consultation, we review your debts, income, property, pending collection activity, and financial objectives. We can then discuss relevant chapters, possible alternatives, and the records needed to continue the evaluation.

Depending on the chapter and case facts, the process may include gathering financial information, preparing and filing a petition, communicating with creditors or the trustee, attending required meetings, and completing follow-up obligations. Documents, deadlines, and court appearances vary by case.

Clients can use our secure portal to access credit counseling and bankruptcy resources. We provide frequent updates so clients know where their case stands and what may be required next.

Contact Us Today! schedule your consultation

A member of our team will be in touch shortly to confirm your contact details or address questions you may have.

Bankruptcy Filings in Sacramento & the Eastern District

Our firm is based in Irvine and serves clients throughout California, including individuals and businesses seeking counsel in Sacramento. Sacramento is a filing location for the United States Bankruptcy Court for the Eastern District of California. The appropriate filing location and procedures depend on the client’s county, financial circumstances, and case.

Chapter 7 Eligibility, Exemptions, & Collection Activity

Chapter 7 bankruptcy may address unsecured debts through a liquidation process, but eligibility and potential outcomes are fact-specific. We assist individuals and businesses with eligibility review, petition preparation, exemption planning, creditor communications, and required case events.

The means test is an income-based calculation used in many consumer cases to assess eligibility. Our review may also consider assets, debt types, prior filings, and recent financial transactions.

Filing generally triggers the automatic stay, a court order that pauses many collection actions. Exceptions can apply, and disputes may arise over whether the stay covers a particular creditor action. California bankruptcy exemptions determine whether certain property interests can be protected from liquidation. Available protections depend on the applicable exemption system and the facts of the case.

Some obligations aren’t dischargeable, which means bankruptcy doesn’t eliminate them. Certain taxes, support obligations, secured debts, and debts connected to alleged misconduct may require separate analysis.

Chapter 13 Repayment Plans & Property Concerns

Chapter 13 bankruptcy generally allows eligible individuals with regular income to propose a court-approved repayment plan funded by future earnings. An evaluation may address missed mortgage payments, vehicle obligations, priority debts, unsecured balances, disposable income, and the feasibility of maintaining plan payments.

Plan terms and creditor treatment depend on income, expenses, property, debt limits, filing history, and court requirements. We assess these factors when developing an individualized reorganization strategy, particularly when a home, vehicle, or other significant asset is at stake.

Chapter 11, Business Debt, & Bankruptcy Litigation

Business owners may need to assess entity structure, operating expenses, secured obligations, tax liabilities, contracts, creditor actions, and whether continued operations are feasible. Chapter 11 bankruptcy can provide a reorganization framework, but its requirements differ substantially from those governing individual Chapter 7 and Chapter 13 cases.

We assist with Chapter 11 filings, corporate consulting, bankruptcy litigation, and adversary proceedings. An adversary proceeding is a separate lawsuit filed within or connected to a bankruptcy case, often involving a dispute over debt, property, dischargeability, or creditor rights. We also evaluate pre-bankruptcy planning and debt settlement in light of current operations, creditor pressure, available assets, and the owner’s objectives.

Compare Your Debt Relief Options Before Filing

A focused consultation can clarify which records matter, which questions require further analysis, and whether bankruptcy or another debt-relief strategy fits your circumstances. We’ll assess your obligations, assets, income, creditor activity, and priorities so you can make a more informed decision about what comes next.

Call (949) 787-1889 to request a consultation with Financial Relief Law Center, APC and discuss your next steps.

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Hear From Our Happy Clients

At Financial Relief Law Center, APC, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

"You won't be disappointed!"
Having Amanda by my side in court took away a lot of my fear and thankfully my debt was discharged in August 2019.

- Aubrey M.
"My experience here was nothing short of a miracle."
The staff is knowledgeable and friendly. Ronda was most helpful in more ways than one. My family and I will forever be grateful for their professional service and hard work.

- Erica A.
"Amanda Billyard was a very professional, prompt, & an amazing attorney."
She didn’t hesitate to jump right in and help us with all the harassing phone calls and all the tedious things that needed to get done. We highly recommend Financial Relief Law Center.

- Kristina P.
"Thank you Financial Relief Law Center!"
Excellent staff very professional and always kept me up-to-date with my case. Ronda Miner, Victor Ugarte and all the others were so very helpful and supportive.

- Lauretta B.
"I am forever grateful and highly recommend Andrew and the FRLC team!"
I was directed to Andrew Warshaw at the Financial Relief Law Center. He was able to negotiate an agreement outside of court which saved me hundreds of thousands of dollars and prevented me from filing Chapter 11.

- Elijah B.
"I would recommend this law center to anyone who is in need of financial relief!"
I went to the financial law center in July 2018, I met with Darren DiMarco initially, then I met with Andy Warshaw. This law center helped me tremendously when I had nowhere else to turn!

- Timothy W.

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What Sets Us Apart?

As attorneys who routinely support consumers in potentially dire financial straits, we are empathetic and compassionate about what these problems mean to our clients. More importantly, we’ve grown to understand how important it is that we only deliver our best possible work so our clients’ chances of getting the best possible outcome are secured.

Constant Client Communication
You won't be out of the loop! We make sure all of our clients are up-to-date with the status of their case.
Solutions Fit for Your Unique Case
No two individuals, or their cases, are ever identical. We seek to provide viable solutions that your unique case deserves.
30+ Years of Combined Legal Experience
Our team of attorneys has extensive knowledge of bankruptcy with over three decades of combined experience between them.