Muoi Chea is an experienced Bankruptcy Attorney in Sacramento, Stockton, and Fairfield, California, providing Chapter 13 Bankruptcy and Chapter 7 Bankruptcy representations in Bankruptcy Courts at Sacramento, CA and Modesto, CA for over a decade.

Muoi Chea Bankruptcy Attorney has a very strong record of successfully helping consumers and small business owners eliminate or restructure their debts. 

If you are facing foreclosure, wage garnishment, IRS tax levy, car repossession, or creditor’s lawsuit or harassment, Muoi Chea is a Bankruptcy Lawyer who has a long track record of successfully providing debt relief for hard-working residents throughout all of Northern and Central California.

This 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. You are being represented by me and no one else.

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.

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 reason 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.

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

Cases are accepted 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.

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

Click below for Directions to Office locations:

Sacramento CA Bankruptcy Attorney Number: (916) 441-4205

Stockton CA Bankruptcy Attorney Number: (209) 751-7448

Fairfield CA Bankruptcy Attorney Number: (707) 394-4195

Recent Bankruptcy Attorney Blogs (click on the link for entire article):

Ask Bankruptcy Attorney in Sacramento, Stockton, Fairfield, CA – I filed a Chapter 13 Bankruptcy, will my co-signer be protected under the Automatic Stay?

Upon filing of Bankruptcy, Automatic Stay takes into effect to prevent most creditors from collection attempts.  However, there are some exceptions or limitations to automatic stay such as multiple bankruptcy filings and dismissal(s) within 365 days, etc., which will be discussed in a different blog. Automatic Stay in Chapter 13 Bankruptcy

For More Bankruptcy Attorney Blog Click Here

This website is for informational purpose only and is not intended to take the place of consulting an experienced bankruptcy attorney.  Bankruptcy is complicated and there is no cookie cutter formula that works for every case.  Every topics, scenarios, and rules cannot be covered in a website.  You should consult an experienced bankruptcy attorney if you have financial problems.

Our Locations


331 J St. 
Ste. 200 

Sacramento CA 95814

Contact Info

Phone: 916-441-4205


2323 Grand Canal Blvd 
Stockton CA 95207

Contact Info

Phone: 209-751-7448


1652 West Texas St. 
Fairfield CA 94533

Contact Info

Phone: 707-394-4195