Solo and Small Firm

The Practitioner Spring 2014, Volume 20, Issue 2

Alternatives to Chapter 7 Consumer Bankruptcy

By Anne C. Adams

Anne C. Adams practices in the areas of bankruptcy, debt collection defense, estate planning, and family law. She is a certified family law specialist, certified by The State Bar of California Board of Legal Specialization. She is the principal of the Law Offices of Anne C. Adams with offices in Los Angeles and Canoga Park. She can be reached at (818) 715-0015 or via e-mail at

Many people are struggling financially today. Consumers frequently consult with a bankruptcy attorney when they experience financial problems, and they do not know how to handle them. Counsel can assist them by discussing both Chapter 7 bankruptcy and alternative options they may want to consider.

Many consumers do not want to file bankruptcy, even if they meet the requirements. They may be concerned about how bankruptcy will affect their credit score -which affects their ability to purchase a car, rent an apartment, or qualify for a home mortgage in the future. They may believe that their debts are manageable with some assistance from their creditors.

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