Bankruptcy
Bankruptcy Attorney in Northern California
Regain Control. Eliminate Debt. Rebuild Your Future.
If you’re overwhelmed by debt, facing foreclosure, wage garnishment, or creditor harassment, you’re not alone—and there is a way forward. At The Law Office of Michael K. Moore, APC, we help individuals, families, and small business owners throughout Northern California get a fresh financial start through bankruptcy. With experience handling Chapter 7, Chapter 13, and Chapter 11 cases, we provide clear guidance, strong advocacy, and fair pricing from start to finish.
Bankruptcy Services We Offer
We handle a full range of bankruptcy cases, from straightforward filings to complex reorganizations:
- Chapter 7 Bankruptcy
Also known as “liquidation bankruptcy,” Chapter 7 allows eligible individuals to eliminate most unsecured debts, such as credit cards, medical bills, and personal loans. We help you determine eligibility, protect your exempt assets, and move forward debt-free. - Chapter 13 Bankruptcy
Chapter 13 is a reorganization plan for individuals with regular income. It allows you to keep your property while repaying debts over 3 to 5 years—often with reduced or eliminated interest and penalties. We build repayment plans that work for your situation and stop foreclosure or repossession in its tracks. - Chapter 11 Bankruptcy
While often associated with businesses, Chapter 11 can also help high-debt individuals reorganize finances and retain control of their assets. We handle both individual and business filings and will assess whether Chapter 11 is the best strategic fit for your case.
We will walk you through each option, explain how bankruptcy affects your credit and property, and help you make informed decisions with confidence.
Who We Help
Our clients include:
- Individuals struggling with overwhelming consumer debt
- Families facing medical debt, job loss, or foreclosure
- Self-employed professionals or gig workers with unstable income
- Small business owners looking for debt relief or reorganization
- Anyone who needs protection from aggressive collections and financial stress
No matter your financial background, we treat you with dignity, compassion, and respect.
What to Expect from Our Firm
We don’t believe in one-size-fits-all bankruptcy services. When you contact us, you’ll speak directly with an experienced attorney—not a call center or paralegal. We take time to understand your financial picture, answer all your questions, and build a custom strategy to meet your goals.
We are proud to serve clients throughout San Joaquin, Stanislaus, Alameda, Sacramento, and neighboring counties. Our deep understanding of local courts and trustee practices allows us to move cases forward efficiently—and often more affordably than larger firms.
We also offer:
- Reasonable, transparent pricing
- Payment plans with 0% interest in most cases
- Flexible appointments, including evenings and weekends by request
Why Bankruptcy Might Be Right for You
Bankruptcy is a legal tool designed to give honest people a second chance—not a punishment. It can:
- Immediately stop creditor harassment and collections
- Prevent foreclosure, repossession, or eviction
- Eliminate unsecured debts or reduce payment obligations
- Allow you to rebuild your credit over time
- Provide peace of mind and long-term financial relief
If you're considering bankruptcy, the sooner you speak with an attorney, the more options you may have.
Take Control of Your Financial Future
You don’t have to keep struggling with debt alone. We’re here to help you take the first step toward financial freedom with compassion and proven experience.
