If you are overburdened with debt and you are unable to pay off your debts, bankruptcy may be your only option. Contact Thomas Hogan Law Office. Our experienced Elk Grove bankruptcy attorneys can assist you file for bankruptcy and obtain a discharge. Once you receive a bankruptcy discharge, you will no longer be liable for the discharged debts.

Contemplating on bankruptcy? Speak with our experienced bankruptcy attorneys. Call our Elk Grove office at (916) 382-7625 and get a FREE 15-minute consultation.

Bankruptcy – the last resort

If you are unable to pay off your debts, speak to our Elk Grove bankruptcy attorneys. Our attorneys will review your circumstances to determine if there are alternatives available. Bankruptcy can ruin your credit. Use it as the last resort. If there is no viable alternative to bankruptcy, our Elk Grove bankruptcy attorneys will assist you file for bankruptcy protections.

Chapter 7 or Chapter 13

Our Elk Grove bankruptcy attorneys will assist you determine the most suitable chapter for filing. To be eligible for filing under Chapter 7, you must meet the qualifications of  the Means Test. If you do not qualify for filing under Chapter 7, our bankruptcy attorneys will assist you file a Chapter 13 petition. The main difference between a Chapter 7 and a Chapter 13 bankruptcy is that in a Chapter 7 proceeding, the bankruptcy trustee will liquidate your assets to pay off your creditors while in a Chapter 13, you pay off the debts under according to a court approved payment plan.

Schedules and Forms

Filing for bankruptcy is all about filing the right schedules and forms. Filing the wrong schedules and forms can prove costly. Never attempt to file a bankruptcy petition without the assistance of an experienced bankruptcy attorney. Contact Thomas Hogan Law Office. Our Elk Grove bankruptcy attorneys can assist you with the bankruptcy forms and schedules.

California Bankruptcy Forms – A helpful guide to assist you on the forms needed when filing for bankruptcy.

Bankruptcy Creditor’s Meeting

Once you file for bankruptcy, you must attend the creditor’s meeting. At this meeting, the trustee and your creditors will question you about your finances. Our Elk Grove bankruptcy attorneys will accompany you to this meeting and assist you answer the questions. Often this meeting will be the only time you will have to visit the bankruptcy court.

Call us for a free consultation

You can avail a free fifteen-minute consultation with our Elk Grove, California Bankruptcy attorneys. Give us a call at (916) 382-7625 and we will schedule a consultation at your  convenient time.


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The Law Offices of Tom Hogan will provide you with personalized attention and guidance. Protecting your rights is our main objective. We have been representing clients for the past 30 years and our experienced team of attorneys will advise you of the legal consequences of every decision you take.

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We care about our clients and are dedicated to addressing their legal issues to the best of our ability.Tom Hogan Founder