Frequently Asked Questions

Not necessarily. California bankruptcy exemptions protect many assets, including equity in a home, vehicles, retirement accounts, and personal property. Whether property is protected depends on the type of bankruptcy filed and which exemption system applies. Janus Law reviews assets carefully before filing and explains what is protected, what may be at risk, and how to avoid surprises.

Chapter 7 is designed to eliminate qualifying unsecured debt, such as credit cards and medical bills, typically within a few months. Chapter 13 involves a court approved repayment plan spread over three to five years and is often used to catch up on mortgage arrears, stop foreclosure, or protect non exempt assets. Janus Law explains which chapter applies to your situation and why, instead of defaulting to one approach.

 Yes. Once a bankruptcy case is filed, an automatic stay goes into effect. This federal protection stops most collection actions, including wage garnishments, bank levies, lawsuits, and creditor calls. Timing matters, especially if garnishments or court actions are already underway. Janus Law helps clients understand when filing provides immediate relief and when additional steps may be required.

A Chapter 7 bankruptcy typically appears on a credit report for up to ten years, while Chapter 13 may remain for up to seven years. That does not mean credit recovery takes that long. Many people begin rebuilding credit within months of discharge by using responsible post bankruptcy strategies. Janus Law explains what bankruptcy does to credit, what it does not do, and what realistic recovery looks like after the case is complete.