The Law Offices of Stephen E. Penner
Family Law and Estate Planning in Santa Barbara County


A Fresh Start with Debt Relief



At the California Law Offices of Stephen E. Penner, we understand the significant emotional and financial burdens associated with overwhelming debt. Whether you are struggling with credit card payments, your mortgage, medical bills or other obligations, we can help you receive debt relief and get a fresh start.

When you file a Chapter 7 or Chapter 13 petition, you immediately receive protection from creditor harassment through the automatic stay. The automatic stay prevents creditors from communicating with you in attempts to collect on a debt. It also stops legal actions, such as:

  • Wage garnishment
  • Bank levies
  • Liens
  • Lawsuits
  • Foreclosure sales


Chapter 7 Bankruptcy

Under Chapter 7, you may be able to discharge or eliminate most of your unsecured debts including credit cards, medical bills and personal loans. Additionally, you typically are able to keep all of your property as long as your car and mortgage payments are current and there isn't substantial equity in your home. Our Santa Barbara Chapter 7 bankruptcy attorney will review your situation from every angle to determine if Chapter 7 is right for you.


Chapter 13 Bankruptcy

Local Experts on Chapter 13. This type of bankruptcy protection enables qualified individuals to establish repayment plans, or debt reorganization plans, to reduce their secured and unsecured debts. Stopping the foreclosure process is possible with Chapter 13. If your debt falls within federal guidelines for secured and unsecured debt amounts, you can place your mortgage and tax arrears and other obligations into your payment plan. This enables you to pay a percentage of your consumer debts and then discharge those debts after you complete the plan.

It is important that you consult with a skilled bankruptcy lawyer to ensure your payment plan is affordable and approved by the bankruptcy court to prevent further issues and complications.