I've been practicing law for 35 years and focus exclusively on bankruptcy and debt relief.
I have wiped out the debts of hundreds and hundreds of clients. I practice law because I want to help people. Real people. People with jobs, businesses, partners, families - NOT debt collectors, credit card companies, large corporations or insurance companies. You can see some of my clients’ many five-star reviews here.
I am a solo practitioner and provide personalized, individual service to each and every one of my clients. All your consultations will be with me, and I will personally answer your questions at every stage of the process. I take great care and as much time as my clients need to explain the entire process as well as details of what needs to be done and how to do it.
I know how difficult and stressful it is to have unmanageable debts. And I know that many honest, hard-working people are just one emergency, one paycheck, one medical crisis, one bad month away from insolvency. But you have options that will let you keep your home, your retirement savings, your vehicles, and most, if not all, of what you own.
Contact me for a free phone or in-person consultation. Let me help you figure out your best next steps. The sooner you have a plan of action the better your chances of achieving the results you want. Get on the path to results today.
Chapter 7 - Liquidation
Chapter 13 - Partial Repayment based on income
For some people bankruptcy is not a good option. I have successfully negotiated hundreds of debt settlements for my clients, with discounts as much as 80% and paying only 20% of the amount owed. Typical settlements are in the range of 50-70% of what was owed. Your results may vary - each case is unique.
$300,000 of Student Loans Discharged
The legal requirements for discharging student loan debts in California are draconian and punitive, and the procedures are long and involved, but I obtained a discharge of $300,000 of student loan debts for one of my clients in 2018. I am not aware of any other California bankruptcy attorney who has been able to accomplish that.
I have successfully helped many clients save their homes from foreclosure, in some cases where my clients waited until literally the last few minutes, by filing emergency petitions before the scheduled auction.
Retirement Accounts Saved
I have saved so many clients' retirement accounts I can't even keep track!
Millions of Dollars of Debts Discharged
I have successfully obtained discharges of millions of dollars debts, in some individual cases nearly half a million dollars.
Copyright © 2021 Law Office of David P. Gardner - All Rights Reserved.
The first step is for us to meet, go over the details of your unique situation, and explore your options. I will explain the laws and how they apply to you, and lay out all your options.
We can meet in person, by telephone, Zoom or similar. We can meet after work or on weekends, and even at your home if necessary, so that you don't have to miss work or pay for child care. How many other lawyers make house calls?
My initial consultation for bankruptcy and debt relief is always free, no matter how long it takes. We work together to come up with a plan that will get you the results you need.
Don't wait! Things only get worse, and the longer you wait the fewer options you may have. In particular NEVER use money from your retirement accounts to pay debts! It makes no sense to pay some evil bank or lender charging loan shark rates (25% - 30% and up - in the case of some payday and title loans as ridiculously high as 300% - 400%!) and suffer the tax consequences of early distributions, when you can keep all of your retirement money and wipe out your debts at a cost that is only a tiny fraction of what you owe.