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A Path to Financial Recovery Starts Here

Bankruptcy Attorney Sacramento, Stockton, Fairfield, California

Muoi Chea is an experienced Bankruptcy Attorney in Sacramento, Stockton, and Fairfield, California. For over 15 years, I have successfully represented exclusively Debtors in Chapter 13 Bankruptcy and Chapter 7 Bankruptcy proceedings in Bankruptcy Courts at Sacramento and Modesto, California.

I have a long consistent track record of being a successful bankruptcy attorney helping consumers and small business owners eliminate and reorganize their debts. I have helped thousands of Northern and Central California residents.

I have successfully stopped foreclosure, wage garnishment, IRS tax levy and garnishment, car repossession, and creditor’s lawsuit and harassment.

My Sacramento Bankruptcy Attorney Office is NOT A MILL. I will personally handle your case from start to finish. I, personally, will take the time to answer your questions during the consultation and over the phone. NOT my paralegal or secretary. You are being represented by me and no one else. My clients are very pleased on how quickly I respond to their questions.

When you come in for a consultation in either Bankruptcy Attorney Offices in Sacramento, Stockton, or Fairfield, CA, I will explain your options under the Bankruptcy Law as well as Bankruptcy alternatives. I have worked on thousands of cases and I am capable of giving you scenarios that I have faced as an experienced Bankruptcy Lawyer. A lot of my clients find that my initial consultation is very detailed and appreciate my thoroughness. I do not like to sugar-coat Bankruptcy and I do not like to dismiss my clients cases as “easy”. I feel you deserve to know the process and potential risks and downsides even though the risk is miniscule.

Everyone needs a second chance. Whether you are facing foreclosure or accumulated debts because of illness or lost wages, bankruptcy can give you the second chance that you need to regain control of your life. Most people do not know that medical bills and lost of income are the main reasons why people file for personal Chapter 7 or 13 Bankruptcy. Everyone at some point in their life find themselves in a situation that is beyond their control. STOP blaming yourself and look for a solution for your debt.

You would be shocked at the number of people who filed for bankruptcy throughout Sacramento, Placer, Yolo, San Joaquin, Stanislaus, Yuba, and Solano county California. Most likely you know someone who filed for either Chapter 13 Bankruptcy or Chapter 7 Bankruptcy but they did not tell you. Inaction and delays can only make your situation worse, especially when you are facing imminent foreclosure, wage garnishment, and lawsuit from creditors. It is time to put an end to your financial problems and get a fresh start.

When you come in for your consultation in the Sacramento, Stockton, or Fairfield CA Bankruptcy Attorney Offices, I will go over your personal situation and explain how bankruptcy may affect each of your debts and assets. I will not recommend bankruptcy unless you need it. My aim is to provide the very best counsel to my clients, and I will be as objective as possible about your options.

At the end of the consultation, if you decide that Bankruptcy is the right option for you, I will quote you a reasonable fee. You are under no obligation, and whatever you decide, my advice to you during the consultation is free. My fees are reasonable because I sympathize that you are struggling financially and are seeking debt relief. That is why I also offer Payment Plans so that we can begin the road of recovery together quicker.

Our Locations


9245 Laguna Springs Drive, Suite 200

Elk Grove, CA 95758

Contact Info


5250 Claremont Ave.
Stockton, CA  95207


1652 West Texas St. 
Fairfield CA 94533

What is Chapter 7 and 13 Bankruptcy and how can it help me?

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy is also known as “liquidation”, which can be used to wipe out credit cards, unsecured loans, medical bills, deficiency from repossession or foreclosure.  Click on Chapter 7 Bankruptcy for more information.

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy is also known as “reorganization”. If your income is determined to be too high for a Chapter 7 procedure, but you are facing foreclosure on your home, wage garnishment, car repossession or tax debts or tax levy, Chapter 13 bankruptcy can help give you some breathing room. Chapter 13 bankruptcy can also eliminate your 2nd and 3rd mortgages or equity line of credit on your house.  Click on Chapter 13 Bankruptcy for more information.

What are some of the Differences Between Chapter 7 Bankruptcy and Chapter 13 Bankruptcy?

Call Muoi Chea Bankruptcy Attorney in Sacramento Stockton Fairfield California Offices to know your rights under the Bankruptcy Code and STOP:

Schedule a Free Phone Consultation to determine if you qualify for the benefits of Bankruptcy. Click here for a list of what to bring for your bankruptcy consultation.

I accept cases throughout all of Northern and Central California cities:

Alpine, Amador, Ione, Jackson, Colusa, El Dorado, Lassen, Modoc, Mono, Nevada, Placer, Plumas, Sacramento, Sierra, Solano, Sutter, Yolo, Yuba City, Davis, Woodland, Elk Grove, Carmichael, Citrus Heights, Orangevale, Antelope, Fair Oaks, West Sacramento, Roseville, Rocklin, Rancho Cordova, Lincoln, North Highlands, Folsom, El Dorado, Fairfield, Vacaville, Benicia, Dixon, Vallejo, Winters, Auburn, Marysville, Nicolaus, CA and other nearby cities in California.  Residents in these Northern California cities will attend court hearing in the Sacramento Bankruptcy Court, which is located at 501 I Street, Sacramento, California  95814.

Lodi, Galt, Tracy, Stockton, Acampo, Manteca, Lathrop, Modesto, Ripon, Oakdale, Newman, Patterson, Calaveras, Sonora, Angels Camp, Arnold, San Andreas, CA and other nearby cities in California.  Residents in these Central California cities will attend court hearing in the Modesto Bankruptcy Court, which is located at 1200 I Street, Modesto, California  95354.

If your cities are not listed above and you live in Northern or Central California, please call my office to check if you are within my district and I can accept your case. Some cities are beyond my reach because it will involve a long commute for your court hearing or it is outside the Eastern District of California.

We are a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Click below for Directions to Office locations:

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