Help in the Storm

Bankruptcy is a much smoother and easier process than you may believe.

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You do not have to put up with scare tactics. Bankruptcy is a much smoother and easier process than you may believe.

Civil Litigation

We handle a wide variety of contract, real estate, and estate planning issues. If you have questions, initial consults are always free.

Real Estate

You do not have to put up with scare tactics. Bankruptcy is a much smoother and easier process than you may believe.

Thomas P. Kelly III

Santa Rosa Bankruptcy and Civil Litigation Lawyer

If you are facing hard financial times, it costs nothing to call and explore your options. Bad things happen to good people and the life-changing events of illness, divorce, business failure, and job loss can be overwhelming. All of us want to honor our commitments, but banks and credit card companies have no such moral character. The seek to take advantage of our good faith, and the financial industry literally refers to all of us as “debt hampsters” creating a wheel of endless interest payments where the principal never seems to go down.

Bankruptcy is a fundamental right, and the authority for the Bankruptcy Code, which is Title 11 of the United States Code, is found in the United States Constitution found at Article 1, Section 8 which authorizes Congress to establish “… uniform Laws on the subject of Bankruptcies throughout the United States.” It is also perhaps the single most powerful legal tool an individual can use. Upon the filing of any bankruptcy petition, the automatic stay under 11 U.S.C. §362 immediately goes into effect, and by order of the Court, it automatically halts all collections lawsuits, foreclosures, wage garnishments, repossessions, bank levies, and any other collection actions.

If your financial situation is causing you stress and anxiety, and the banks and credit card companies are hounding you, then give us a call to explore your options. Initial consults are always free, and we can review your situation and find out whether bankruptcy will be an effective remedy. Feel free to contact us at either or at 707-545-8700.


Immediate solutions are just a phone call away

Bankruptcy provides immediate relief to the intimidation and harassment of creditors, and stops them from pulling you deeper into debt. Creditor abuses, lawsuits, foreclosure, wage garnishments and property liens can all be stopped and the debts wiped out.

We have handled hundreds of bankruptcy cases, and our experience with the bankruptcy system can help guide you through the process, answer your questions, and provide solid and immediate solutions. Here are some examples:

  • What are fair debt collections practices?
  • How can bankruptcy help me with credit card debt?
  • What do I do if I am facing wrongful foreclosure?
  • Should I file for bankruptcy before or after divorce?
  • What possessions can I keep through bankruptcy?
  • What is the automatic stay?
  • What is a discharge of debts?
  • What are bankruptcy exemptions?

Many people believe that if you file for bankruptcy, it will stay on your credit report forever, and you will never be able to get past it. This is totally false. There is life after bankruptcy, and you will be able to recover in time without the fear and stress of being hounded by greedy banks and credit card companies forever. Do not wait to contact us – initial consults are always free and you can educate yourself on your options at no cost.

Email | First consult is always free | 707-545-8700