Free Consultation for an Honest Evaluation

Welcome to the San Francisco and Bay Area Bankruptcy Law Offices of Rust, Armenis & Schwartz, A Professional Corporation. We are a Northern California law firm that helps individuals, consumers, business investors and small businesses file for bankruptcy protection under the United States Bankruptcy Code.

Personal Care Is Our Specialty

Our Northern California Bankruptcy Attorneys provide personal care to each of our clients. Our law firm has been providing legal services in Northern California since 1963. We are authorized by the courts to file Chapter 7 and 13 bankruptcy cases in all of the bankruptcy courts in Northern California including Santa Rosa, San Francisco, Oakland, San Jose, Sacramento, Modesto and Fresno.

Our San Francisco Ch. 7 and Ch. 13 Bankruptcy Lawyers understand what you are going through and we will help you understand the best way to relieve you of the financial burden you are carrying.

Our goal is to provide caring, competent, confidential, bankruptcy services at a reasonable price. Our flat rate for services is the statutory fee set by the Court.

Between all our conveniently located Northern California Bankruptcy offices, the experienced San Francisco Area Bankruptcy Lawyers and Eastern District Bankruptcy Attorneys at our firm have filed approximately 300 cases last year in the various bankruptcy courts in the Northern and Eastern districts allowing our clients to obtain the relief provided by the bankruptcy laws. The cases resulted in millions of dollars of debt being discharged by the courts. Our office files an average of 30 cases each month. We've posted a fraction of the clients' testimonials that were sent to us on our website. They speak to the warm, thorough, professionalism of our team and to the relief experienced by our clients as their cases are discharged.

Free Initial Consultation

We provide free initial consultations and take the time to sit down with you, answer your questions, carefully evaluate your situation and give you your options at no cost to you.

While our principle offices are located in San Francisco and Sacramento, we provide legal services to all of Northern California. We have convenient client consultation centers in Walnut Creek, San Jose, San Mateo and Tracy, and can also begin to work with you immediately from the comfort and privacy of your own home by using a secure web-based data collection process that is accessible 24 hours a day. We can end the stress you are under as a result of expenses that have spiraled out of control and get started immediately.

We are available during regular business hours to speak with you and set up a free consultation by telephone or in one of our convenient locations. We're also quick to reply to any inquiries sent in during non-business hours. To set up your free case evaluation, Email us at or call us at 1-866-RAS-ATTY (1-866-727-2889).

Experience and Compassion at a Competitive Price

Our firm has been in business since 1963. We file hundreds of cases each year and are very familiar with the local courts, judges, trustees and legal processes. Our staff is experienced, knowledgeable, compassionate and friendly. The bankruptcy process can be an ever-changing experience with new laws, court rulings, and the ever-changing practices used by banks, lenders, trustees and creditors. We bring our first-hand knowledge of these evolving practices to every case so that our clients can focus on building their futures, not worrying about the details.

We strive to make the bankruptcy process as affordable as possible by streamlining our case processing efforts and maximizing efficiencies in order to keep costs as low as possible for clients. Our flat rate for services for Chapter 7 is extremely competitive and depends on the complexity of the case and for Chapter 13 our fee is the statutory fee set by the Court.

Honest and Objective Evaluation of your Situation

Bankruptcy is not appropriate for everyone. Our goal is not to convince you to file for bankruptcy just to gain clients. We will take the time to listen to you, to understand your situation, and can then explain to you all your potential options and help you find the best option that suits your needs. We will also guide you through any different options for bankruptcy that may be available to you depending on your situation, or suggest alternatives if bankruptcy is not in your best interest.

Our clients are struggling with a variety of difficult situations and decisions all at once, and bankruptcy can be a very emotional process. We can help provide you with concrete and objective guidance so that you'll be equipped to make the best strategic long term decisions for your future.

End The Hassle, Let Us Take Care Of It

The moment you file for bankruptcy, the credit collection agencies must stop contacting you immediately and deal with us. Rather than worrying day after day at home or work, come and discuss your options with us today for free. To set up your free case evaluation, Email us at or call us at 1-866-RAS-ATTY (1-866-727-2889).

We will listen to your problems and advise you on all the possible options. Even though filing for bankruptcy is not pleasant, the benefits are immediate when you receive the relief provided by the Court. You get to go home and rest maybe for the first time in a long time knowing that you will receive a fresh start with expenses that you can afford and maintain. In many cases filing for bankruptcy is a life saver when there are no other options left. Email or call our offices today to schedule a free consultation so that you can take control of your life with a better financial perspective. A lot of people file Chapter 7 bankruptcy and just have their debts wiped clean. They get a fresh start that way, but not everyone is eligible.

Leave The Guesswork To Us, We're Ready To Help

Filing for bankruptcy is not something that you should try to do on your own. You will need a lot of paperwork. You have to itemize your debts and your income and provide all of your financial transactions that you have taken part in during the last two years.

You will need income tax returns, pay stubs, bank statements, car titles, and a lot of other financial information. You will have to follow the guidelines that the state has set out regarding your exemptions and adhere to the plan that is designed for you.

We are here to assist you in that process. To set up your free case evaluation, Email us at or call us at 1-866-RAS-ATTY (1-866-727-2889).

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  • As always you have made this extremely difficult situation much easier for us to deal with. We feel very fortunate to be represented by such an upstanding and professional firm. Thank You!
    - Tam
  • We are thrilled. You and your staff were great to work with throughout. We would be more than happy to refer friends and family. Thanks,
    - Kyle
  • Thank you all soo much. You guys have made this as easy as it could possibly be for me. My life will forever be changed by your help. God Bless you all,
    - Jeremy
  • THANKS SO MUCH!!!!! You guys were all great and so kind throughout the process. I will be sure to refer you if I come across anyone else in hard times.
    - Yvette
  • Believe me I will refer your firm to everyone I know you guys are very professional and caring.
    - Fariba
  • You and Your team are so wonderful!-if there is ever a time some one needs assistance I will give them your name. I do appreciate everything we discussed.
    - Kellie
  • WOW! Just like that. What a long process that has been and we could not have done it without you. If I hear of anyone who needs help, I will have them call you.
    - Joni

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