Consumer Defense and
Bankruptcy Attorney

Serving the San Francisco Bay Area since 1996.

What We Do

The Law Office of James Michel is committed to helping people who find themselves overwhelmed by debt, at risk of losing their home or income, or harassed or sued by collectors. We will analyze all of your debts and assets, as well what kind of actions collectors are taking against you, and help you determine the best course of action.

Collections Defense

• Are you being sued?
• Are your wages being garnished or bank accounts levied?
• Are creditors seeking payment after you’ve filed bankruptcy?

Collections Abuse

• Are you being harassed by creditors?
• Have they contacted your family, friends, or neighbors?
• Has a creditor threatened to sue you or garnish your wages?

Credit Reporting

• Is there false information on your credit report?
• Have you been a victim of identity theft?
• Are any delinquencies on your report more than 7.5 years old?

Bankruptcy

• Do you have trouble paying your rent, mortgage, car loan or student loans because of collections from credit card and medical debt?
• Do you need to stop a trustee sale of your home?

Why Work With Us?

We will discuss the risks and benefits of all your options, and we never recommend a course of action that is not in your best interest. You need to speak with an attorney experienced in consumer law and understand all your legal options before you make important decisions about how to deal with your debt. Our rates are always fair and affordable.

Serving the San Francisco Bay Area.

Meetings via Video Conference
Evening and weekend appointments also available

What People Are Saying About James

Without his attention to detail and always looking out for my interests, I would not have been able to afford to modify my mortgage and keep my home.
— Amy

He spent the time and made the effort to help us understand the rules so that we could make the right decisions and get the best deal possible.
— Dan