YOUR Bankruptcy & Debt Relief Attorney

​At JD Consults, LLC, we help good people in California and New Mexico regain control of their finances and peace of mind. We provide straightforward, honest representation you can trust. Before you file for Bankruptcy, make sure you know all your rights and options. At JD Consults, LLC, we believe bankruptcy should only be the solution after you’ve explored every alternative. Let us review your situation for free and show you every possible path forward. Contact us for a Free Case Evaluation. 
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Debt Relief STRATEGY That Fits Your Life

Overwhelming debt doesn’t just hurt your bank account, it affects your sleep, your family, and your peace of mind. Constant calls from collectors, juggling bills, and the fear of losing what you’ve worked for can feel suffocating.

Bankruptcy Options We Handle

• Chapter 7 : The fastest way to wipe out unsecured debt (credit cards, medical bills, personal loans, etc.) and get a true fresh start, often in just a few months.
• Chapter 11 :  Reorganization for businesses or high-asset individuals who need a sophisticated solution to restructure debt while staying in control.
• Chapter 13 : Keep your home and car while catching up on missed payments through an affordable 3–5 year repayment plan. Perfect if you have steady income but need breathing room. 

No matter which type of relief is right for you, our we will guide you every step of the way and fight to protect what matters most
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Contact JD Consults, LLC Today for A Free Consultation
​The sooner you reach out, the faster we can stop the calls, protect your paycheck from garnishment, and put you on the path to financial freedom.

 📞 California: (424) 242-9741 📞 New Mexico: (505) 340-2761 📧 Email: [email protected]

Free Bankruptcy Screening

Quick check & see if Chapter 7 relief might fit your situation

Important: This is not legal advice. Results are preliminary. JD Consults, LLC offers professional consultations to review your full finances, run the official means test, and explore options. No payment or credit card needed for this screening.

1. What is your ZIP code?

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2. In the past 8 years, have you received a Chapter 7 bankruptcy discharge?

Yes No

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3. Do you have over $10,000 in total debt from credit cards, medical bills, personal loans, payday loans, etc.? (Exclude student loans, taxes, mortgages)

Yes No

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4. How many people are in your household? (You + dependents who rely on your income)

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5. Is your household's average monthly gross income (last 6 months) above the median for your household size?
(Approx: 1 person $4,600/mo | 2 $5,800/mo | 3 $7,100/mo | 4 $8,300/mo)

Yes (above median) No (below or at median)

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12. Do you have more than $30,000 in Direct Student Loans? (U.S. Dept of Education Direct/Consolidated only)

Yes No

Are the majority older than 10 years (from repayment start)?
Yes No

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You Appear to Be a Good Candidate for Chapter 7 Consideration!

Based on your answers, your situation looks like it could qualify for Chapter 7 relief on unsecured debts (credit cards, medical, etc.). Student loans, recent taxes, and child support generally cannot be discharged.

Next: Schedule a free or low-cost consultation with JD Consults, LLC to run a full means test, review exemptions, and discuss your best path forward.

Book Consultation →

(This is preliminary — many factors affect final eligibility.)

Informational screening only — contact us for personalized advice.