Delano Bankruptcy Lawyer “A law firm is only as good as its ability to understand and respond to the individual needs of its clients. The Gorski Firm provides cost effective and high-quality counsel to individuals and businesses and provides our clients with the same resources as large firms, without sacrificing personal attention.”
- Vincent A. Gorski, Founder

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Delano Bankruptcy Lawyer

If overwhelming debt is leaving you stressed and with nowhere to go, bankruptcy can provide a way out. The negative connotations often prevent people from even considering it as an option, but for many people, the chance for a fresh start can help them get their life and their financial future back on track. While this process can be complex and meticulous, having an experienced lawyer on your side can help you thoroughly analyze your situation, make informed decisions, and give yourself the best chance of coming out on the other end in a more stable and predictable place, free from the shackles of constant debt-related pressure.

At The Gorski Firm, we take pride in offering compassionate, skilled, and personalized counsel for those considering going through the bankruptcy process. Attorney Vincent A. Gorski is a Board Certified Bankruptcy Law Specialist, making him a uniquely qualified representative, advocate, and counselor for clients pursuing these matters. We offer service in Spanish, and we even offer virtual consultations to make meetings more convenient for you, wherever you might be. We believe in protecting what matters, and we can help you make bankruptcy a tool to do just that.

Request a case evaluation by calling (661) 768-1441 or contacting The Gorski Firm online today.

Choosing the Right Form of Bankruptcy

There are several different kinds of bankruptcy, and the right one for your situation will depend on the nature and amount of debt you have, any income you might have, and your wishes and goals.

Chapter 7

Chapter 7 bankruptcy is often referred to as “liquidation” bankruptcy and is designed to help individuals eliminate overwhelming unsecured debt and obtain a fresh financial start. This could be an effective option if you have many different debts, including credit cards or medical bills. This process is quicker than other forms of individual bankruptcy, but is also subject to a strict means test to determine qualification.

Some key characteristics of Chapter 7 bankruptcy include:

Focuses strictly on eligible debts (not all debts can be discharged via Chapter 7)
Cases are typically resolved within a few months
Involve “liquidating” assets to recoup funds that are used to pay off a portion of debts before the remainder is discharged
Is typically best for those with limited to no disposable income

Chapter 13

Chapter 13 is sometimes called “restructuring” bankruptcy, as it focuses more on allowing individuals to “catch up” on their debts. This process essentially halts collection efforts and allows you (and your attorney) to formulate a repayment plan that works with your income to eliminate your debt. This option doesn’t always lead to debts being discharged, but in some cases, a portion of the debt may be forgiven in the right circumstances.

Some key characteristics of Chapter 13 bankruptcy include:

Is typically the best option for those who wish to keep their home or car, but who have fallen behind on payments
Involves analyzing all eligible debts and negotiating with creditors to determine a payment plan whereby each is repaid over a span of three to five years
For those who fail the means test for Chapter 7, this is often the next-best option

Chapter 11

Chapter 11 bankruptcy is more often used for businesses, but can be used for some individuals who possess high-value or complex assets, such as ownership rights, IP, or complex investments. This process is similar to Chapter 13, but also involves carefully analyzing and valuating these assets to determine what is protected, what can be repossessed, and how they might impact the repayment plan structure.

For more information about these different types or to learn more about your options, schedule a case evaluation with The Gorski Firm today. Se habla español!

Our Client Testimonials

We are dedicated to our clients, the community, and public service. We are based in Bakersfield, California and represent clients with routine and complex family law and bankruptcy matters throughout the state.

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Thank you to the Gorski firm for helping me navigate a heartbreaking time.
“I was awarded sole and physical custody, more than I could’ve imagined and I am truly thankful for their hard work.”

- Abby A.
I do appreciate Mr. Gorski from the bottom of my heart for his incredible work on my case.
“He took on my case at the very last minute, thoroughly reviewed all the details in an impressively short time, and still managed to win it. His dedication, expertise, and confidence truly made a difference.”

- Former Client
I can honestly say that Mr Gorski, is a truly gifted attorney.
“His compassion & understanding with his expertise in family law are truly amazing. I have had the pleasure of using Mr Gorski in my past and would highly recommend him.”

- Rick H.
I am very thankful for Mr. Gorski.
“He was very helpful and knowledgeable of my situation and what needed to be done. He was very professional and timely. And if for whatever reason he was unavailable Jaqueline was able to assist me in a timely manner. I could never thank them enough.”

- Alisha G.
Thank you Mr. Gorski for helping my brother in Mojave court with his DV case.
“You were wise and knew exactly what was needed to win this case. Our family truly appreciates you. Thank you and we'll done.”

- Wendy A.
Mr. Gorksi facilitated an excellent outcome for my ongoing case.
“Everything I hoped for and more was achieved, and I am so thankful. I appreciate the hard work he put in and the support from his staff through the whole process. I would proudly recommend him and his firm. God Bless.”

- Jaswinder K.
I do appreciate Mr. Gorski from the bottom of my heart for his incredible work on my case.
“He took on my case at the very last minute, thoroughly reviewed all the details in an impressively short time, and still managed to win it. His dedication, expertise, and confidence truly made a difference.”

- Former Client
We contacted The Gorski Firm to handle my problem.
“To my surprise, they answered my email within a few minutes. Provided me with answers that I needed. Everything was easy as I have anticipated.”

- Vivian H.
Vincent Gorski was a pleasure to work with.
“He was prompt, professional, and made me feel at ease during what is often a very difficult and uncomfortable divorce process. I highly recommend him.”

- Billie H.

Why It’s Important to Have a Lawyer When Filing for Bankruptcy

Bankruptcy can feel overwhelming and uncertain, and that fact alone can put many people off from the idea or cause them to not even consider it. However, while this process can be complex, having a Delano bankruptcy attorney on your side is a valuable asset. Bankruptcy laws are detailed, deadlines are strict, and choosing the wrong type of filing or completing paperwork incorrectly can have lasting consequences. Our role is to help you understand your options, protect your assets whenever possible, and guide you through each step with clarity and confidence.

We also act as your advocate throughout the process. We communicate with creditors on your behalf, put an immediate stop to collection efforts when possible, and do our best to exercise and utilize consumer protection laws to your benefit from start to finish. When financial stress is already taking a toll, our goal is to shoulder the legal burden so you can focus on moving forward and rebuilding toward a more stable financial future.

Our Promise To You

Commitment To Creative Solutions:

We offer a creative approach based on what matters most to our clients. When it comes to hiring an attorney, there is no substitute for reliable, ethical, respectful, honest, and loyal counsel. These are the values you can expect us to exhibit with your legal issues.
Commitment To Community:

We contribute time, skills, and financial support to the community that we live and work. Through our community commitment we support several civic, charitable, scholastic, and veterans organizations. We have received various awards for our community service.
Commitment To Client Convenience:

While clients are always welcome to an in person appointment, we recognize that the schedules of some clients are such that they would prefer to electronically handle most communications, signings, document productions and other routine matters.
We Are Committed To Your Objectives:

While every law firm promises its clients the highest level of service, we developed a set of “Client Service Principles” which are the foundation of the firm’s culture. We extend these principles to every client regardless of the size or complexity of their case.

Meet Your Team

The Gorski Firm Offers a Higher Standard, With Your Best Interests at Heart.

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Protecting What Matters

We dedicate our experience, energy, focus and talent to pursuing our client’s best interests. We are highly involved in the community and take great interest in serving our clients throughout Bakersfield and beyond.

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Reliable, Compassionate, and Trial-Ready Legal Representation.

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Bakersfield, CA 93301

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