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Achieve New Beginnings

Sood & Sood Law Firm handles Bankruptcy representation, Family Law and Immigration assistance. Our offices in Santa Ana, Cerritos, Riverside, San Bernardino and Upland are committed to handling every case, from simple to complex, with professionalism and efficiency. Our goal is to make the entire process easy for you by providing personalized and affordable services while treating you with utmost dignity and respect.

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Santa Ana

When you are in debt, a solution may seem out of reach. The combination of financial pressure and stress is far from pleasant and will not disappear overnight.



Finding yourself in debt is much easier than getting yourself out, especially when bills keep piling up and your situation becomes overwhelming. 



Riverside is the most populated city in the Inland Empire and Riverside County. It is home to an array of business firms and institutions. 


San Bernardino

The city of San Bernardino houses many diplomatic missions for the Inland Empire, some of which are located in the downtown area. 


Southern California

Sood & Sood Attorneys At Law, APLC services many cities surrounding Southern California.

Millions of Americans file for bankruptcy on a yearly basis. For most bankruptcy filers, the purpose of bankruptcy is a way to get a fresh start by having their debts wiped clean. While bankruptcy can be a sure way to a clean financial slate, the process of bankruptcy is often difficult to understand. Below are common bankruptcy questions and their answers, specific to the state of California. For more information or to schedule a free consultation, contact an experienced and knowledgeable bankruptcy attorney at Sood Bankruptcy Law Firm.

Bankruptcy is a process overseen by federal courts that helps consumers to discharge or pay their debts. Those who undergo bankruptcy have the option to file Chapter 7 or Chapter 13. Chapter 7 bankruptcy is the liquidation of assets that enables the debtor to discharge their debts, while Chapter 13 is a reorganization of how the debtor will pay their debts to creditors.

The filing fee for a Chapter 7 bankruptcy petition is $335. Filing for a Chapter 13 bankruptcy petition costs $310.

Our bankruptcy lawyer fees start at $750. Set up your free consultation today!

The length of time bankruptcy takes will depend upon the bankruptcy filing. A Chapter 7 bankruptcy filing usually takes about three to five months, while a Chapter 13 bankruptcy filing can take three to five years.

Bankruptcy is a powerful remedy for individuals who are looking to rid themselves of their debts. The bankruptcy process is able to help rid you of unsecured debts and unsecured credit card debt. Unsecured debts are simply those where there is no form of collateral to secure the debt in the case of default. Where secured debts are involved, a secured creditor can act upon their security interest by foreclosing on the debt by taking possession of the collateral.

One of the most significant concerns that people have when considering bankruptcy is how it will affect their credit score. An unavoidable reality is that creditors do not like seeing bankruptcy on credit reports. In general, if your credit score was poor before your filed for bankruptcy, then filing for bankruptcy will not improve your score. However, if your credit score was high, then you may notice a modest reduction in your credit score.

A “Means Test” is a formula that determines who is eligible for Chapter 7 and Chapter 13 bankruptcy. Through the test’s formula, those who earn higher incomes are ineligible for Chapter 7 bankruptcy and will need to file for Chapter 13 bankruptcy. Through Chapter 13, high income filers will need to repay a portion of their debts and will not have all of their debts discharged.


Whether or not you’ll be able to keep property, like your car and your home, depends upon the type of bankruptcy filing you are eligible for. Chapter 13 bankruptcy filers are able to retain their property so long as they abide by the repayment plan. Chapter 7 bankruptcy, on the other hand, is a discharge of all of the debtor’s debts. As a result, the bankruptcy trustee is able to seize any property that is not exempt.