Serving All of California
When debt becomes overwhelming, the law provides a path forward. Lauren Ross has helped California families and individuals reclaim their financial lives for decades.
Practice Areas
Whether you're facing creditor harassment, mounting medical bills, or the threat of losing your home, bankruptcy law offers real solutions. Here's how the law can help.
Discharge unsecured debts — credit cards, medical bills, personal loans — in as little as 3–4 months. The fastest path to a clean financial slate for qualifying individuals.
Keep your home and valuable assets while repaying creditors on an affordable 3–5 year plan. Ideal if you have regular income and want to stop a foreclosure.
Filing for bankruptcy triggers an automatic stay — a federal court order that immediately halts all collection calls, lawsuits, garnishments, and repossessions.
Not sure if bankruptcy is right for you? We'll review your full financial picture — including taxes, spousal support, and student loans — and outline every option available.
Overwhelmed by high-interest credit card balances? We'll explain how bankruptcy handles unsecured debt, what's dischargeable, and how to rebuild credit afterward.
Facing an imminent foreclosure, wage garnishment, or repossession? We can prepare and file an emergency petition to trigger the automatic stay immediately.
How It Works
We make the process as straightforward as possible. Most clients go from initial consultation to filed petition in just a few weeks.
Call or email to schedule a no-cost, no-obligation office meeting. We'll review your situation and explain your legal options plainly.
We'll provide an intake checklist — income, debts, assets, and recent tax returns. Our team guides you through every step.
We prepare and file your petition with the federal bankruptcy court. The automatic stay goes into effect immediately upon filing.
After your case is processed — typically 3–6 months — eligible debts are discharged and you begin rebuilding on solid footing.
Common Questions
The questions people ask most — answered without the legal jargon. If you don't see yours here, explore our Q&A page.
Attorney at Law
About
The Law Offices of Lauren Ross has been serving individuals, families, and small business owners in California through financial hardship for years. Lauren Ross focuses exclusively on consumer and small business bankruptcy, both Chapter 7 and Chapter 13.
Every client gets direct access to Lauren, not a paralegal or junior associate. She understands that the people who walk through her door are often dealing with the most stressful period of their financial lives, and she approaches each case with both legal rigor and genuine compassion.
As a federally designated debt relief agency under Title 11 of the U.S. Code, the firm provides legal assistance to consumers seeking relief under the Bankruptcy Code — with a commitment to accurate information so every client can make a truly informed choice.
Get In Touch
Lauren Ross offers a free, confidential consultation to get a clear picture of your legal options — with no obligation to proceed. Serving all of California.