An Experienced, Dedicated California Bankruptcy Lawyer

I'm here to help you, not judge you. You have made the first step by visiting my website, but I encourage you to continue reading further to learn more about my bankruptcy practice Remember that bankruptcy is an economic decision, not a moral decision. This decision needs to be made with the help of a professional who will provide you with vital information on the following:

  • Chapter 7 bankruptcy remains an option to discharge unsecured debt while keeping assets, contrary to misconceptions that arose following changes to bankruptcy laws in 2005. Those with incomes above the median income of a similar sized household will be required to do a means test to see if they qualify. If your income is less than or equal to the median, you will qualify. Beyond passing the means test, you will be required to get counseling on credit, budgeting and debt management before debts are wiped out.
  • For those who do not qualify for a Chapter 7 filing, Chapter 13 bankruptcy is an option. Instead of a discharge, your debts are consolidated into a payment plan that lasts between three and five years and is overseen by a trustee. After you make the final payment, any remaining dischargeable debt will be wiped away. For those dealing with harassment from the IRS and threats of foreclosure or repossession, debt reorganization is the best choice.


I'm attorney Andrew Kern, a member of the National Association of Consumer Bankruptcy Attorneys (NACBA), and I help people understand the bankruptcy process. If you are dealing with overwhelming debt that is affecting your quality of life, then you need to contact me today. To set up your free initial consultation at the Law Office of Andrew Kern, contact me online or call 707-658-4602.

Good people can find themselves in bad situations. Corporations and businessman like Donald Trump use the bankruptcy laws to their benefit, so why shouldn't you? The fact is, most banks and collection agencies are not sympathetic about your difficult situation.

Andrew Kern  - Bankruptcy Attorney  Integrity & Compassion

Andrew Kern - Bankruptcy Attorney
Integrity & Compassion