Our practice focuses on helping people find peace of mind by discharging their debts and protecting their assets.
We understand personal financial issues have become much more complicated in the past few decades. The costs of housing, child care, medical care, and education have risen much more quickly than wages. It is almost impossible to build savings while also paying high credit card and medical bills.
Bankruptcy’s fresh start helps you save for a home, your retirement, or education expenses. The Law Offices of Karen Ware PC can help you solve your immediate financial problems, protect and keep the assets you already have, and reach your financial goals.
In addition to Chapter 7 bankruptcy and Chapter 13 bankruptcy services, we offer comprehensive debt lawsuit defense, garnishment and levy defense, tax debt defense, and judgment resolution.
Bankruptcy relieves you from crushing debt and stops lawsuits, wage garnishments, and bank levies. Bankruptcy discharges most unsecured debts, including many past due taxes. With the fresh start bankruptcy provides, you can reach your financial goals.
Learn MoreBankruptcy stops most wage garnishments and bank levies and can even help you get back previously garnished funds. The Law Offices of Karen Ware also offer non-bankruptcy solutions.
Learn MoreIf you have been sued by an original creditor, debt collector, or debt buyer, we can help. You might have defenses to the lawsuit or counter-claims you can file. Don’t ignore a debt lawsuit.
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Karen Ware has been a bankruptcy, debt defense, and estate planning attorney since 2006. From the beginning, The Law Offices of Karen Ware has focused on debt litigation defense, tax, and bankruptcy matters. We are especially focused on using bankruptcy’s powers to help people achieve their long-term financial goals. This requires planning and attention beyond what a “bankruptcy mill” can provide...
Bankruptcy discharges unsecured debts like credit cards, medical expenses, and some tax debts. Bankruptcy stops lawsuits, wage garnishments, bank levies, foreclosures, and repossessions.
The Law Offices of Karen Ware
(805) 284-0760
for a FREE Consultation
During the initial consultation, you tell us the problems you want to solve by filing bankruptcy. We also discuss your monthly income and expenses, your assets, and your debts.
During the intake appointment, we gather the information we need to prepare your bankruptcy filing. When you leave this meeting, you will be 90% done with the process of filing bankruptcy.
A day or two after your intake appointment, we will have your court documents ready to review. We review them with you page by page. Once you have signed your court documents, we file your case.
Eligibility to file under Chapter 7 does not depend on income alone. It also depends on household expenses, household size, types and amount of debt, and other special circumstances. Do not assume you can't file Chapter 7 bankruptcy just because you have a high household income.
In California, bankruptcy can discharge personal liability for most unsecured judgments.
In California, you are not required to reaffirm a vehicle loan if you want to keep the vehicle in a Chapter 7 bankruptcy. As long as you keep making payments in full and on time, you can usually keep the vehicle without reaffirming.
Chapter 13 plans can have very low monthly payments. Many Chapter 13 filers discharge the vast majority of their unsecured debts at the end of their Chapter 13.
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