Orange County Bankruptcy Attorney | Michael D Franco

Personal and Business Bankruptcy

No office visit needed - file over phone and online

"Board-Certified Bankruptcy Law Specialist"

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California Recently Increases The Amount Under The “HOMESTEAD EXEMPTION”


When the Creditors & Process Servers Come KnockingMICHAEL FRANCO WILL ANSWER THE DOOR

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Professionalism, Quality, Responsiveness

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We assist individuals, couples and businesses with Bankruptcy relief Orange County, Riverside, Los Angeles, And San Bernardino Counties


  • Bill Collectors
  • Home Foreclosure
  • Sheriff Sales
  • Auto Repossession
  • Lawsuits
  • I.R.S. Seizures
  • Utility Shutoffs
  • Bank Account Levies
  • Wage Garnishments
  • License Suspensions


  • Credit Card Debts
  • Personal Loans
  • Payday Loans
  • Some Taxes
  • Medical Bills
  • Utility Bills
  • Judgments
  • Bad Mortgage Debt


  • Your Home
  • Your Vehicle
  • Your Wages
  • Your Future Funds
  • Your Furniture
  • All your property
  • Your License
  • Your Retirement

Laid Off -- No Work -- Lots of Bills & Debt -- Now What?

If you do not have a job and cannot pay your current bills -- let alone pay off all your other debts -- you can file bankruptcy. Filing for bankruptcy relief is one possible solution — a powerful one that the Federal government makes available to people in financial turmoil to get a fresh start. Michael Franco can personally answer all your questions. Call now for a FREE phone consultation.

Learn More About Your Options...

Chapter 7 Bankruptcy

Chapter 7 bankruptcy attorney, Michael D. Franco, is dedicated to helping Orange County individuals and couples get relief when facing overwhelming debt. If you must choose between paying rent and buying but groceries versus paying off your debt, then chapter 7 bankruptcy might be your best solution.

Learn More About Chapter 7 Bankruptcy...

Chapter 11 Bankruptcy

Michael D. Franco is a State Bar 'Certified Specialist in Bankruptcy Law and a Chapter 11 bankruptcy attorney who has has helped many California businesses survive overwhelming financial downturns and come out the other side with a viable, ongoing, renewed business operation. Chapter 11 reorganization can be used by struggling businesses or by individuals who have too much debt to qualify for Chapter 13 bankruptcy.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is for people who don’t qualify for Chapter 7, or for people with a home, cars, and other assets they want to keep. Chapter 13 bankruptcy allows you to create a repayment plan that gives you protection and TIME to ‘catch up’ payments over 3 or 5 years.

Learn More About Chapter 13...

Foreclosure Defense

You can Stop Foreclosure by filing a Chapter 13 Bankruptcy. Chapter 13 is sometimes called the “Home Saver Plan.” Your Bankruptcy petition must be filed before the sale date of your property. We can do an emergency filing if your date is close.

Find Out If Michael D. Franco Can Stop Your Foreclosure

Stop Eviction - Eviction Defense

Filing for bankruptcy can STOP the eviction process in most situations which provide tenants with extra time to regroup thanks to the powerful 'automatic stay' — a Court order that is issued as soon as bankruptcy is filed. The automatic stay stops most judicial proceedings including evictions, foreclosures, vehicle repossessions, bank levies, wage garnishments, creditor lawsuits, and ALL collection activity.

How Do I Stop a Bank Levey?

A bank levy on your checking or savings account is a horrible experience. If a bank levy is anticipated or just happened, you can file a bankruptcy to stop the current levy and future levies in their tracks! The day you you file a bankruptcy, a Court order called the “automatic stay" goes into effect. The automatic stay prevents ANY and ALL creditors from collecting on their debt, especially through a garnishment or levy. You MUST act quickly though as there are very specific time limits.

Learn More About Stopping Bank Levies...

Stop Wage Garnishment

If your wages are being garnished we can help you STOP that. Chances are you are also falling behind on your mortgage, rent, car payments and credit cards. You may be mightily struggling to support your family and make ends meet. Dramatic and stressful events like wage garnishments and bank levies can be the 'last straw' that energizes you to become PROACTIVE and make a call to learn about bankruptcy. We are here to answer your questions.

Learn More About Stopping a Wage Garnishment...

Stop Auto Repossession

If your car, truck, motorcycle, motor home, or other vehicle has been repossessed, and not yet re-sold, you might get it back filing Chapter 13 bankruptcy. Orange County bankruptcy attorney, Michael D. Franco might be able to help. Time is critical!

Learn More About Stopping Vehicle Repossession / Getting Vehicle Back...

Stop Creditor Lawsuits

Were you just served a lawsuit from a creditor - a civil summons? If so you have 30 days to hire a civil defense attorney to file an answer. That might cost more than what you owe. You may have received a letter that you are being sued by a law firm -- yet you haven't been officially served yet. If you were just served a collections lawsuit, are aware that you are about to be sued, or know a lawsuit is inevitable, you can head that off - STOP already-filed lawsuits -- STOP pending lawsuits and ALL collection efforts against you in one decisive move. Call Michael and share, in complete confidence, your situation.

Learn More on How to Stop Creditor Lawsuits...

Judgment Liens

When you are served with a creditor's lawsuit, you have 30 days to respond. If you fail to respond, the creditor can obtain a default judgment against you and then record the judgment lien with the County recorder’s office. That judgment lien then allows the creditor to garnish your wages, place a lien against any real estate and personal property you have, including your home. The creditor can pursue a bank levy, whereby the sheriff can seize any funds in your bank accounts.

Learn More - Judgment Liens & How to Remove a Lien From Real Estate...

Don’t be anxious and Frustrated!

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Orange County Bankruptcy Attorney

I am an Orange County bankruptcy attorney Michael D. Franco. When individuals, families and businesses face financial difficulties they need to know their options. They need expert legal advice, NOW!

During a FREE consultation I will personally review your situation. I will not hand you off to staff, a paralegal or a junior lawyer. You will speak only with me. No need to be anxious. Bankruptcy is ALL I do. We can schedule a no-cost meeting in my office, or by phone, often the same day you call. For those with transportation challenges, if I can work it into my schedule, I can visit with you at your home, office, or your corner Starbucks. During the free consultation, I will share your options, including whether you qualify for the fresh start that a Chapter 7, Chapter 13 or Chapter 11 Bankruptcy offers.

My New Clients…

…tell me they got their first good night’s sleep.


The Automatic Stay

Orange County bankruptcy attorney

The ‘automatic stay’ is a powerful tool! An automatic stay can prevent your utilities from being disconnected, eviction, foreclosure, wage garnishments, bank levies, and even civil lawsuits filed against you by creditors, collection agencies, or individuals you own money. As your Orange County bankruptcy attorney, the day I file your bankruptcy petition — irrespective of what chapter you file under — the automatic stay takes effect. The automatic stay is binding on ALL creditors, including business, individuals and federal agencies. You receive immediate relief from credit and debt collector harassment.


Chapter 7 Bankruptcy

Chapter 7 Bankruptcy

Chapter 7 bankruptcy is known as the ‘Liquidation Bankruptcy’. Chapter 7 bankruptcy is called the “liquidation bankruptcy” because non-exempt assets can be liquidated (sold) and the proceeds offered to creditors to settle your debt. After this liquidation has occurred you typically receive a discharge of your unsecured debts within a matter of months. However, in most chapter 7 bankruptcy cases the petitioner’s assets are entirely exempt, meaning that non-exempt assets do not exist; to which, there is nothing for the Trustee to sell.  


Chapter 13 Bankruptcy

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy is known as the ‘Home Saver Bankruptcy’. Chapter 13 allows you to consolidate your debt and make a repayment plan to repay all or a portion of your debt over 3 to 5 years. The repayment amount you will be required to pay, depends upon the value of assets, your debts and your disposable income. This is where a good Orange County bankruptcy attorney, who studies your circumstance thoroughly, can draft and submit a repayment plan that can repay less than 100% of your debt. That allows you to discharge any remaining unsecured debt following completion of your chapter 13 repayments.  


The Right Lawyer at the Right Time

You wouldn’t drive through a Taco Bell for Italian food. Likewise, you shouldn’t hire a divorce lawyer or auto accident attorney to help you file Bankruptcy. Bankruptcy laws are very specialized such that many ‘general law attorneys’ often make costly errors and miss valuable opportunities that a highly-experienced, certified specialist in bankruptcy law would not.

I am saddened by the mistakes inexperienced lawyers make in bankruptcies. These errors cost people dearly. Unfortunately, errors and missed opportunities cannot be fixed. In Bankruptcy Court there are very few “Do Overs.”

“CERTIFIED SPECIALIST” – A Credential That Recognizes Skill in Bankruptcy Matters

Very few California attorneys have earned the distinction as Certified Specialists in their focused practice area. I worked hard and long to earn the title of ‘Certified Specialist in Bankruptcy Law.’

In fact, fewer than 1 in 200 California attorneys become certified specialists. Considering there are more than 200,000 lawyers in California, it is very difficult to become a “certified specialist.” Fortunately, you can hire your own “bankruptcy specialist” to help you through this once-in-a-lifetime financial FRESH START that our Bankruptcy Laws provide when facing dire financial circumstances. Not only can you hire the best-qualified Orange County bankruptcy attorney, you’ll be pleased to learn that my fess are as reasonable as less-experienced lawyers.

Nothing Is More Expensive Than a Cheap Lawyer

Certified Specialist in Bankruptcy Law Michael D. Franco

Affordable fees and the best qualified bankruptcy lawyer! – Not only is hiring the best-qualified Orange County bankruptcy attorney in your best interest my fees are affordable. Moreover, I can tailor a payment plan to your needs.

Bankruptcy is all I do. I know what I’m doing and I’m good at it. I have had the pleasure to help 1,000’s of individuals, couples and businesses get through their financial crisis and then watch them afterwards embrace a better, brighter future. Give me a call at (714) 252-6268 and let’s see if I can ‘make your problem MY problem’ starting right now! If I am able to help you, then maybe you too can get the first good night’s sleep you’ve been missing for a long, long time.

Orange County Bankruptcy Attorney Michael D. Franco, can help you protect your home, car, job and personal property from creditors. Call For A Free Consultation (714) 252-6268 Today!

Serving Los Angeles Orange County Inland Empire

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Who Is Michael D. Franco?

Orange County Bankruptcy Attorney Michael D. Franco Bio

Michael D. Franco began his legal career in 1995. He started as an associate at a large consumer bankruptcy firm, meeting clients and appearing before bankruptcy trustees and judges dozens of times per week. Five years and thousands of clients later he started his own practice. A significant percentage of his client base are referrals. Many former clients refer family and friends to his office – a reflection of their high level of satisfaction. Learn More

We assist individuals, couples and businesses with Bankruptcy relief Orange County, Riverside, Los Angeles, And San Bernardino Counties

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