A path toward a financial fresh start

Chapter 7 & Chapter 13 Bankruptcy in Orange County

Debt can affect every part of your life. Start with a clear conversation about your finances, your goals, and the options that may be available.

Call (949) 545-8458 · Aliso Viejo, Orange County

Understand your options before you decide.

If credit card balances, medical bills, or collection notices are becoming difficult to manage, you do not have to sort through the choices alone. Rohani Law Group helps clients discuss bankruptcy and debt concerns from its Aliso Viejo office.

A meaningful review begins with your income, debts, property, family circumstances, and any urgent notices. The goal is to understand the available options and the practical effects of each—not to assume that bankruptcy is the answer for everyone.

Chapter 7

Chapter 7 may discharge qualifying debts without a Chapter 13 repayment plan. A trustee may sell nonexempt assets. Eligibility, applicable exemptions, and the types of debt involved matter. We help you review your finances and understand how a filing could affect your assets and obligations.

Chapter 13

Chapter 13 allows qualifying individuals with regular income to propose a court-approved repayment plan, generally lasting three to five years. It may provide a way to address overdue payments while keeping property, subject to eligibility and plan requirements. We help you evaluate whether this approach fits your circumstances.

Questions worth discussing.

Can I qualify for bankruptcy? What happens to my home or car? Which debts may remain? Are there alternatives? Your answers depend on your facts. Bring any collection, lawsuit, or foreclosure notices and tell the office about upcoming dates when you call.

Prepare for your consultation.

Gather a general list of debts, recent income information, major assets, and relevant correspondence. The firm can explain which records are needed and how to share them securely. Do not transfer property or make major financial decisions based only on general website information.

Common questions

Answers to help you get started.

Will bankruptcy eliminate every debt?

No. Some debts may not be dischargeable, and the outcome depends on the debt, the chapter, and the facts. Ask for an individual review.

Will I be able to keep my property?

Property treatment depends on ownership, value, liens, applicable exemptions, and the type of case. Discuss specific assets before making a decision.

Do I need to choose a chapter before calling?

No. Explain your situation first. Ask which approaches may be available, what they would involve, and how fees and costs are handled.

General information only. Your circumstances, deadlines, and available options require individual legal review. Official resource: U.S. Courts — Bankruptcy Basics.