Protecting Your Credit Rating After Bankruptcy

I graduated from the University of California, Hastings College of the Law in 1983 and was admitted as an attorney that year.  For the first ten years of my practice, I worked for law firms representing clients in various forms of civil litigation.  While that was very good experience and training, it was not very fulfilling.  In 1993, I established my own firm in Sonoma County and have been on my own since. 

Since 1993, I have focused on bankruptcy, collection and general civil litigation in Santa Rosa CA.  Bankruptcy has gone through many changes since then and has become increasingly time-consuming and complex.  When I started, it was possible (although risky) for someone with consumer debt and few assets to successfully file their own bankruptcy.  I would never want anyone to try that now. 

The typical case now requires the filing of nearly twice the number of pages compared to when I started and has many requirements and traps that did not use to exist.