Bankruptcy FAQ Get the Answers

When Should I Consider Bankruptcy?

If any of the following apply, you should consider bankruptcy:

Real Estate

  • You are behind on your mortgage payments
  • Your lender has filed a Notice of Default
  • Your lender has filed a Notice of Sale
  • You need time to sell your home at its market value
  • You have a judgment lien attached to your home
  • You are behind in your property taxes

Credit Cards

  • You have been sued by a credit card company
  • You cannot afford your minimum monthly payments
  • You cannot pay off your credit cards in less than 3 years
  • You make your payment but your balance is barely going down
  • Your interest rate is outrageously high
  • Your credit card balance keeps going up
  • The collectors call you like crazy and are driving you nuts


  • You are behind on your car payment
  • Your car is a constant mechanical headache and you want to dump it.
  • You have driven your car for almost 3 years and the loan balance is still more than the car is worth.
  • You leased a car and will be faced with a big redemption payment than you cannot afford.


  • You filed your tax returns >2 years ago, the taxes are 3 years old and you want to wipe them out
  • You owe recent taxes but want to pay them back without interest
  • You want to solve all of your tax problems at one time


  • You have been sued and cannot afford an attorney to defend yourself
  • You have been sued and to settle the case costs too much

Student Loan

  • You cannot possibly repay your student loan given your age, medical condition, current and future employment
  • The student loan lender has attached your paycheck
  • The student loan lender has intercepted your tax refund.

The video above was not created by The Fuller Law Firm, PC. The video provides general information about bankruptcy. Some of the information in this video may be inaccurate or outdated. Also, some of the information may be irrelevant to California debtors. An informational video is not a substitute for receiving expert advice from an experienced attorney. Please contact us for a free initial consultation with an experienced San Jose bankruptcy attorney at The Fuller Law Firm, PC. We will be glad to give you advice tailored to your specific situation

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