Bankruptcy is not a bad word, but it can be a scary time. We are here to meet with you and discuss your particular situation, the best strategy for you and we will file on your behalf for a flat rate. We can also represent you in court as necessary. Call today for a free consultation.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy is the simplest and most common form of bankruptcy. In Chapter 7, if the debtor has assets not protected by an exemption, a court appointed  trustee may sell the assets and  distribute the net proceeds to creditors according to the priorities established in the Code. In exchange, the debtor gets a discharge of his personal liability for most debts.


Chapter 11 Bankruptcy

Chapter 11 bankruptcy is a form of bankruptcy reorganization available to individuals, corporations and partnerships. It has no limits on the amount of debt, as Chapter 13 does. It is the usual choice for large businesses seeking to restructure their debt. Individuals usually file Chapter 7 or Chapter 13 rather than Chapter 11, which are simpler and less expensive.

Chapter 13 Bankruptcy

A chapter 13 bankruptcy is also called a wage earner's plan. It enables individuals with regular income to develop a plan to repay all or part of their debts. Under this chapter, debtors propose a repayment plan to make installments to creditors over three to five years. 


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Fresh Concepts Marketing


3639 Harbor Blvd ,Ste 109

Ventura, CA 93001-4276


T: (805) 985-1147

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