Debtors Archives - Public Counsel

California Bankruptcy Exemptions [April 2019]

Exemptions allow you to keep certain assets after bankruptcy. Here is a list of some commonly used California exemptions.

Tax Transcript (link directs to IRS website)

When you file for Chapter 7 bankruptcy, you may need to provide your recent Federal income tax records. If you do not have your tax returns, you can get a …

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 …

Managing Your Student Loans

Instructions for how to manage your student loan debts.

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.

Bankruptcy Filing – Fee Waiver Application and Instructions

This is the actual application for a fee waiver from the court. The instructions will tell you exactly how to fill out the forms and where to submit the application.

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