In general	I work a bit differently than most bankruptcy attorneys. First, I don't see the point of making you come to my office for an initial consultation that can be done just as well over the telephone. Second, an initial consultation without preparation is wasting the potential value of that session. Therefore we'll prepare and then do the no-fee initial consultation on the telephone.
How it works	1.	Contact me using the form below. I'll send you a short questionnaire that's intended to make the best use of our free initial consultation.
	2.	Return the completed questionnaire to me. I'll review it and then schedule with you a no-fee initial consultation by telephone which will take an hour or less.
	3.	We have our no-fee telephone consultation. At the end of that consultation I usually know enough about your situation to be able to recommend a course of action and, if that is filing bankruptcy, how much it would cost.
To get started, send an email using the form below …

We are a debt relief agency. We help people file for bankruptcy under the Bankruptcy Code.

California bankruptcy attorney Malcolm Ruthven represents clients throughout the San Francisco Bay Area in Marin County, Sonoma County, San Francisco County, Alameda County, Contra Costa County, Napa County, and San Mateo County, including cities and towns such as San Rafael, Alameda, Belvedere, Berkeley, Burlingame, Contra Costa, Corte Madera, Fairfax, Greenbrae, Healdsburg, Kentfield, Larkspur, Mill Valley, Napa, Novato, Oakland, Petaluma, Richmond, Rohnert Park, Ross, San Anselmo, San Francisco, Santa Rosa, Sausalito, Sonoma, Solano, Tiburon and Vallejo.