Bankruptcy Law

Chapter 7


  • Wipes out most debt
  • 3-4 month process
  • Fresh start
  • Keep your property
  • Stops garnishments and levies
  • Most common bankruptcy

Chapter 11


  • Useful for businesses
  • Continue to operate
  • Restructure debt
  • Cancel some debts
  • Available to individuals with high debt

Chapter 12

Family Farmer

  • Useful for farmers
  • Continue to operate
  • Restructure debt
  • Cancel some debts

Chapter 13


  • Keep your house-even if behind
  • Strip some second mortgages
  • Repay a percentage of your debt
  • Revalue personal property
  • Useful for high-income debtors

Expert Witness Services

Creditor and Debtor

  • Standard of Care
  • Interest Rates

Judge Weissbrodt

Qualifies Gillet as Expert


Judge Novack Till Rate

Applies to Chapter 11


Advantages of Bankruptcy

Through bankruptcy you can:

  • Stop harassing creditors
  • Stop foreclosures
  • Stop repossessions
  • Eliminate judgments
  • Lower interest rates
  • Lower payments
  • Stop IRS levies
  • Stop wage garnishments
  • Strip second mortgages

Bankruptcy is a legal tool that you should use when you are faced with debt that you cannot pay. If you are considering filing for bankruptcy, Phillip Gillet, Esq., can help you get back on sound financial footing.

Bankruptcy is one option you can consider if you find yourself in a corner struggling with debt and running out of options. Recent economic times have seen many families in Kern county, including those facing foreclosure, look for a personal bankruptcy lawyer.

Whether you have been affected by a divorce, are going into foreclosure, have lost your job, or are overwhelmed by high medical expenses or credit card debt, Phillip Gillet, Esq. can help you explore your options and possibly save your home from foreclosure. Mr. Gillet acts as a debt relief agency and provides a personal touch to his practice, ensuring that his clients have a positive experience through the bankruptcy process.

Contact us today to schedule your free no-obligation consultation.