Over 15 Years of Proven Results
Ajay Gupta is 1 of just 8 attorneys in the city of San Diego that is Certified by the State Bar of California as a Bankruptcy Specialist. With over 15 years of experience and involvement in more than 500 bankruptcy cases, Ajay has the knowledge and experience to help clients find a path toward financial relief.
Gupta & Ayres provides experienced, hands-on legal guidance to help you regain control of your financial future. Our team understands how to navigate even the most challenging financial situations and when you work with us, you communicate directly with our attorney and receive personalized attention throughout the entire process. We take a hands-on approach and guide you step-by-step, answering your questions and making sure you feel confident about your options. To make the process convenient, we offer both virtual and in-person meetings so you can get the help you need in the way that works best for you.
We are so confident in our ability to service your case. For most Chapter 7 petitions, we guarantee a discharge or your money back. Terms and conditions apply and not all Chapter 7 petitions will qualify. We will discuss the guarantee at your consultation to determine whether you will qualify.
Do you want to know how much your Chapter 7 or Chapter 13 bankruptcy will cost?
Eliminate Your Unsecured Debt!
Chapter 7 bankruptcy is designed to eliminate most unsecured debts — such as credit cards, medical bills, and personal loans — and give you a true fresh start. It is a strong option for individuals who qualify and are unable to repay their unsecured debt. In most cases, the process takes just a few months and immediately stops collection calls, lawsuits, wage garnishments, and bank levies through the protection of the automatic stay.
Reorganize Your Debt!
Chapter 13 bankruptcy allows you to reorganize your debts through a structured 3–5 year repayment plan while keeping your assets protected. It can immediately stop foreclosure, repossession, wage garnishments, and lawsuits, giving you time to catch up on missed mortgage or car payments and manage tax debt. Chapter 13 is often a strong option for individuals with steady income who want to protect their home and create a realistic, court-approved path toward financial stability.
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Bankruptcy is a federal legal process that allows individuals to eliminate or reorganize debt while being protected from creditors. It gives you a structured path to regain financial stability.
The two primary types of personal bankruptcy — Chapter 7 and Chapter 13 — offer different solutions depending on your income, assets, and goals. Both can provide meaningful relief and a clear path toward financial stability.
Bankruptcy is not the end — it is a fresh financial beginning. After receiving your discharge, most clients immediately experience relief from collection pressure and can begin rebuilding their credit. While your credit score may initially dip, many people see steady improvement within months by making on-time payments, keeping balances low, and using credit responsibly. You may begin receiving credit offers shortly after discharge, and with smart financial habits, it is possible to qualify for car loans and even a mortgage sooner than many expect.
01. Will bankruptcy stop collection calls and lawsuits?
Yes. Once your case is filed, the automatic stay immediately stops wage garnishments, bank levies, lawsuits, foreclosure proceedings, and collection calls.
02. Can bankruptcy stop a foreclosure?
Yes. Filing bankruptcy can immediately stop a foreclosure sale. Chapter 13 is specifically designed to allow you to catch up on missed payments over time.
03. Will I lose my house if I file for bankruptcy?
Not necessarily. Many people keep their homes. In Chapter 7, it depends on equity and exemptions. In Chapter 13, you can catch up on missed mortgage payments over time and stop foreclosure.
04. Will I lose my car if I file for bankruptcy?
Most clients keep their vehicles. Options may include reaffirming the loan, redeeming the vehicle, or paying through a Chapter 13 plan.
05. How long does a bankruptcy take?
Chapter 7 – Most Chapter 7 cases are completed in about 3 to 4 months from filing to discharge
Chapter 13 – Chapter 13 repayment plans typically last 3 to 5 years, depending on income and debt structure.
06. Will bankruptcy ruin my credit forever?
No. Bankruptcy impacts your credit, but many clients begin rebuilding within months. In fact, many people qualify for car loans and even mortgages sooner than expected after discharge.
07. What debts cannot be discharged?
Some debts generally cannot be eliminated, including recent taxes, student loans (with limited exceptions), child support, alimony, and certain fraud-related debts.
08. How long will bankruptcy stay on my credit report?
A Chapter 7 bankruptcy typically remains on your credit report for up to 10 years from the filing date. A Chapter 13 bankruptcy generally remains for up to 7 years.
09. When can I file bankruptcy again?
The waiting period depends on the type of case previously filed. Generally, you must wait 8 years between Chapter 7 filings to receive another Chapter 7 discharge. If you previously filed Chapter 13, you may be eligible to file again sooner.
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