Bankruptcy Attorney — Serving San Jose, Sunnyvale and Other Areas

Debt can be overwhelming and put an enormous strain on your life and your family. Whether you are using your credit card to pay for necessities you can't afford or you are falling behind on your mortgage payments, bankruptcy may offer the debt relief you need to get out from under your debt and start moving forward into the future.

At the San Jose, California, offices of David A. Yomtov, Attorney at Law, we help clients explore their debt relief options. We will listen to you and work to understand your financial situation and your goals for the future. That way, we can provide you with custom-tailored bankruptcy and debt advice that will fit your needs.

From our office in San Jose, we help clients throughout Silicon Valley and the San Francisco area. Contact David Yomtov, a Sunnyvale bankruptcy lawyer, to schedule a consultation.

Understanding Your Bankruptcy and Debt Relief Options

At our firm, we help clients understand their options and pursue the bankruptcy and debt relief solution that fits their needs, including:

• Chapter 7 bankruptcy : We can help you determine if you qualify for a Chapter 7 bankruptcy under the means test. If you do qualify, this form of bankruptcy can allow you to discharge unsecured debt such as credit card debts and medical bills.
• Chapter 13 bankruptcy : If you need to reorganize your debt or temporarily stop an impending foreclosure, Chapter 13 bankruptcy might be the answer for you. In this type of bankruptcy, a trustee will develop a payment plan for you, allowing you to pay down your debts based on your income and expenses. This plan usually lasts three to five years, and at the end of that time the remaining balance owed on most of your unsecured debts will be discharged.
• Chapter 11 bankruptcy: This complex form of bankruptcy is used by businesses and individuals to reorganize complex debts that extend beyond the limits of Chapter 13. In this type of bankruptcy, the debtor acts as the trustee and must submit regular reports to the court about the cash flow and operating expenses of the business. While Chapter 11 debt reorganization can be more expensive, it can allow you to restructure a business and get your debt under control.

Advice From an Experienced San Jose, California, Bankruptcy Filing Lawyer

We can help you understand the various types of bankruptcy and recommend a plan of action to help you get out from under your debt. Contact David Yomtov, a San Jose, California, bankruptcy filing attorney to discuss your case.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.