Helping Fullerton, Brea, La Habra & the Surrounding Areas Rebuild
If you're overwhelmed by debt and don’t see a way out, Chapter 7 bankruptcy may be your opportunity to reset. At Law Office of Andrew S. Cho, we guide individuals and families across Anaheim and surrounding areas through the Chapter 7 process with clarity, compassion, and decades of experience.
Led by Attorney Andrew S. Cho, a Korean-American lawyer with over 27 years in practice, our firm has helped thousands of people wipe out unsecured debts and get back on solid ground. We speak Korean, offer virtual consultations, and treat every client with the patience and personal attention they deserve.
Call (714) 384-7633 or complete our online form to request your free consultation with a chapter 7 bankruptcy attorney in Anaheim.
What Is Chapter 7 Bankruptcy?
Chapter 7 is a legal process that allows you to discharge certain unsecured debts, such as credit cards, medical bills, and personal loans. It’s designed for people who are unable to repay their debts and need a fresh financial start. In most cases, you can keep essential assets—like your car or home—while getting rid of debt that’s been holding you back for years.
To qualify, you must pass a means test, which looks at your income and expenses. Once your case is filed, an automatic stay is issued, stopping most collection efforts immediately—including wage garnishments and creditor harassment.
Our role is to walk you through every step, explain the process clearly, and make sure nothing gets missed. You won’t be left guessing—we’ll handle the paperwork, court filings, and all communications with the trustee.
Who Qualifies—and Who Should Consider Filing
If you’re wondering whether Chapter 7 fits your situation, the first step is to look at your income, debt, and financial obligations. Many clients come to us after trying to stay afloat for months—or even years—but still find themselves falling behind. You don’t have to wait until things reach a breaking point to take action.
Here are some signs you should seriously consider Chapter 7 bankruptcy:
Credit card balances you can’t pay off
Missed payments or late notices piling up
Constant phone calls from creditors
Garnished wages or frozen bank accounts
No available savings or emergency funds
Feeling trapped and anxious about finances
Everyone’s situation is different, but these patterns often signal it’s time to consider bankruptcy. We’ll help you make that decision with a full understanding of your options and zero pressure to commit.
Filing bankruptcy isn’t easy—but who you trust to guide you makes all the difference. At Law Office of Andrew S. Cho, we combine legal experience with empathy, cultural awareness, and personalized service. We’ve handled more than 10,000 bankruptcy cases and have built a reputation for treating people with real care.
Here’s how it can make an impact on your life:
Debt elimination – Chapter 7 erases unsecured debts, giving you a clean slate to start fresh.
Immediate relief from creditors – The automatic stay stops creditor harassment, wage garnishments, and collection efforts as soon as you file.
Quick resolution – Most Chapter 7 cases are completed within three to six months, offering rapid relief.
Peace of mind – Taking control of your financial situation can help relieve emotional and mental stress tied to overwhelming debt.
A new beginning – With debts discharged, you’ll have the opportunity to rebuild your credit and your future.
At Law Office of Andrew S. Cho, we take the time to understand your concerns, answer your questions, and make the process easier. From Anaheim to La Habra, our clients know they can count on us when it matters most.
Let’s Talk About a Clean Slate
Chapter 7 bankruptcy isn’t the end—it’s the beginning of something better. With our help, you can move forward with less stress, more clarity, and a plan that makes sense.
Speak to a chapter 7 bankruptcy attorney in Anaheim today by calling (714) 384-7633 or filling out our simple free consultation form.
