By an act of the United States Congress, I am a "debt relief agent." The determination of the need for legal services, or debt relief services, and the choice of a lawyer are extremely important decisions and should not be based solely upon advertisements. Law changes from place to place and time to time. This website is not and is not intended to be an advertisement outside the state of California. This website is helpful, but is not meant to be legal advice. Thus, it is not a substitute for meeting with an attorney and obtaining specific legal advice. No attorney client relationship has or will be established with Attorney Ronald Wilcox unless and until a written retainer agreement has been executed. Ronald Wilcox is admitted in California.

For the most part, this web site only discusses chapter 7 bankruptcy. When the word "bankruptcy" is used in this web site, it is only referring to chapter 7 bankruptcy. There are other chapters of bankruptcy. These other chapters may be better for you depending on your particular circumstances. The chapter you choose to file has many consequences. To determine which chapter is best in your situation, you should speak with a qualified bankruptcy attorney.

* Unless you hire us.