The ABC’s of Transition And the Independent Living Program

This manual is for foster youth and former foster youth and will give you an understanding of the resources available to you as you transition to adulthood. There are many services available to you that you might not even know about, such as continued Medi-Cal coverage (health insurance), tuition assistance, tutoring, and scholarship opportunities.

Reaffirmation Hearing Informational Packet

A reaffirmation agreement is where you agree to pay a debt even though you could have eliminated the debt in your bankruptcy case. When you reaffirm a debt, you continue …

“No Contact” Letter (Sample)

If you are “judgment-proof,” meaning that you have no assets that debt collectors can obtain from you even if they win a lawsuit, you can use this sample letter to …

“No Contact” Letter (Template)

This is a “fill-in-the-blanks” version of our “No Contact” letter that you can download, print, fill out, and send to creditors.

Meeting of Creditors (Chapter 7)

In each Chapter 7 bankruptcy case, you will have a meeting with the Chapter 7 trustee (called the “Meeting of Creditors” or “341(a) Meeting.” This flyer will give you an …

Free Credit Report

Instructions for how to get a free credit report from all three credit reporting agencies, which anyone is entitled to receive at no cost once a year.

Free or Low-Cost Bankruptcy Help

A listing of various agencies and services throughout Southern California that offer free and low-cost bankruptcy assistance.