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
Chapter 7 bankruptcy may be a good option if you are struggling with overwhelming debt and need a fresh financial start. It can help eliminate unsecured debts such as credit card debt, bank loans, medical bills, personal loans, personal guarantees, certain tax debts and student loans.
You may qualify if:
You cannot keep up with debt payments
Most of your debt is unsecured
You experienced financial hardship from job loss, illness, divorce, or unexpected expenses
Your home, business and personal assets are exempt. This is critical as some assets may not be exempt and can be seized by a Ch. 7 trustee. This requires a full legal consultation.
Your income meets California median income eligibility requirements.
Filing Chapter 7 can stop creditor harassment, wage garnishments, lawsuits, and temporarily postpone foreclosure actions through the automatic stay. For further information regarding loan modification, foreclosure defense and exemption planning, please contact us for a full legal consultation. If bankruptcy isn't the right fit, we can also walk you through bankruptcy alternatives.
“I am truly grateful to the lawyer and Eunice who understood my anxious feelings about bankruptcy in my difficult situation and helped me achieve a good result.”
Minhee L.
“Truly Cares”
“He is not only the best lawyer but also very generous and kind, he made me feel like he was my older brother.”
Kevin C.
“Thank You”
“I'm truly grateful for successfully handling my difficult case.”
Ken
“It was a pleasure to have them as my team and I would choose them again. Thank you!”
“It was a pleasure to have them as my team and I would choose them again.”
Jenaia K.
“Attorney Andrew Cho and his staff was able to guide me and made the complicated difficult process manageable”
“Attorney Andrew Cho and his staff was able to guide me and made the complicated difficult process manageable”
Susan S.
“Kindness, Honesty, and Competency”
“With my legal matter now resolved, I will always be thankful for Andrew and Eunice's guidance, professionalism, competence and empathy.”
Richard K.
“Very Knowledgeable”
“He was very kind and friendly and explained all situations regarding my case though he could not practice in my state.”
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.
