State Bar of California
Central California Bankrupcy Association
Kern County Bar Association

Bakersfield Bankruptcy Law Lawyer

Chapter 7 is the form of bankruptcy that has a primary goal of eliminating most types of debts, including some tax debts. It allows for the continued payment of those assets that need to be kept, such as homes and vehicles.

Chapter 13 can be filed for a number of reasons including to:

  • Prevent loss of a home by foreclosure.
  • Eliminate or rewrite the terms on a second home loan in certain situations.
  • Reduce the debt, and perhaps the interest rate, on vehicle loans.
  • Stop further interest and penalties on tax debt that can’t be eliminated by a chapter 7.
  • Have access to bankruptcy when chapter 7 isn’t available, which is primarily when there has been a recent prior bankruptcy filing, or the family income exceeds the chapter 7 allowance.
  • Seek the discharge of certain types of debts that can’t be eliminated by chapter 7.

Client Reviews

My husband and I used Williams and Williams for BK chapter 7. The services we received was very professional and friendly. He answered all our questions. He is very knowledgeable about the subject of BK. We have had no...

Annette E.

Very straight to the point, which we appreciated. Even though we went a different avenue and didn't end up filing, he was still professional and never once was rude about wasting his time. He met with us instead because...

Erin M.

Had a great experience with Williams & Williams and their staff. He was very professional and helpful. Was originally going to file with another attorney but he kept giving me the run around, I’m glad I found Mr...

Jairo M.

This was a very trying time in our lives. Mr. Williams and his staff made it a little easier. They were kind, and very thorough. They kept us informed and up to date through the entire process. After we retained their...

Sharonl M.

I am amazed at my service I received from Robert Williams!!!! I was referred to him from my coworker and he has really worked with me concerning the payments to get my case going, and him and his Receptionist are very...

Mw M.

I was dealing with EDD garnishing my refund every year. Went to file bankruptcy to keep my refund, money I've worked for. Atty Williams helped me all the way till I got my discharge. He emailed me back quick with every...

Lee S.

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