Bankruptcy Law Center of Northern California

The Bankruptcy Law Center of Northern California is a Northern California bankruptcy law firm based in Santa Rosa that serves clients throughout the Bay Area and the broader region. Led by Annie Michaelsen, Esq., the practice focuses on consumer bankruptcy matters, including Chapter 7 and Chapter 13 filings, as well as related foreclosure and creditor issues. The firm applies its in-depth knowledge of the Bankruptcy Code to help individuals regain financial footing while addressing debt, wage garnishments, and collection actions with practical strategies.

Clients benefit from a hands on approach that emphasizes open communication and direct access to the attorney. Unlike large call center firms, borrowers will generally work with the attorney responsible for their plan, receiving personalized guidance from initial consultation through case progression. The team maintains affiliations with national and regional bankruptcy organizations and has earned recognition for its focus on consumer bankruptcy matters.

From a client service perspective, the firm offers a free initial consultation to review finances and discuss options, pulls credit reports to tailor a plan, and guides clients through the filing process with a timeline for bankruptcy and post bankruptcy steps. It also provides tools to reduce creditor contact and to manage wage garnishments while clients prepare for filing, and supports strategies to delay or avoid foreclosure through bankruptcy when appropriate.