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If your income is too high to qualify for Chapter 7 bankruptcy, or you’ve filed a Chapter 7 within the last eight years, or you have assets that would not be protected under Chapter 7, you may still have the opportunity to get debt relief through Chapter 13.
At Comfort Law Office in San Mateo, California, we help residents throughout the Bay Area resolve their financial problems. With more than 34 years of experience in bankruptcy law, our firm has represented thousands of clients in Chapter 13 bankruptcy, also known as “reorganization” or “wage earner’s” bankruptcy.
Through Chapter 13, we can prevent or stop foreclosure of your home, car repossession and wage garnishment. We can help you keep your property and put an end to creditor harassment.


If you have filed for bankruptcy within the past eight years or a significant portion of your debt is tax or secured debt, Chapter 13 may be a better option for you than Chapter 7. Through Chapter 13 we can help you lower your monthly payments on your debt and stop interest and penalties on tax debt. We will work with you to create a debt repayment plan spread over three to five years. We can also help you eliminate or minimize your credit card debt, pursuing the best possible outcome for you.


If you’re a sole proprietor, and your debt is within the eligibility guidelines set by the bankruptcy code, we can assist you by filing a Chapter 13 resulting in what is usually a substantial decrease in your monthly debt service. This could enable you to continue to make a profit to meet your personal as well as business needs.
If your business is a corporation or limited liability company, your business does not qualify for Chapter 13. Because business cases can be more complex, we urge you to contact our office for a “no charge” initial consultation with the founding attorney, Mike Comfort.

1900 S. Norfolk Street, Suite 350
San Mateo, CA 94403

Comfort Law Office provides high quality legal advice for consumer and small business clients in the greater San Francisco Bay Area. This includes San Francisco, San Mateo, Alameda, Contra Costa and Santa Clara counties in California.

In Santa Clara County the cities serviced by Comfort Law Office include Palo Alto, Mountain View, Santa Clara, Sunnyvale, Campbell, Cupertino, and San Jose.
In San Mateo County the cities serviced by Comfort Law Office include San Mateo, Burlingame, Belmont, Millbrae, Pacifica, Half Moon Bay, San Carlos, San Bruno, South San Francisco, Daly City, Redwood City, and Menlo Park.

In Alameda County the cities serviced by Comfort Law Office include Hayward, San Leandro, Oakland, Alameda, Castro Valley, Fremont, Newark, Union City and Pleasanton.

In Contra Costa County the cities serviced by Comfort Law Office include Walnut Creek and Concord.
LEGAL DISCLAIMER: The content of this website contains valuable general information about Bankruptcy.  It is not intended or designed to provide legal advice relating to your personal circumstances.  If you seek an analysis of your situation, you are urgently advised to obtain an immediate appointment with qualified counsel.  It is also possible that you may have sensitive time deadlines which could adversely affect your legal rights if you fail to take immediate action.  Thank you.
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