SACRAMENTO VALLEY BANKRUPTCY LAW
Find your way forward with experienced legal guidance.
A fresh start begins with a conversation.
Free consultation · Flexible payment options
THERE IS A WAY FORWARD
When debt takes over your everyday life, knowing your options can change everything.
At the Law Offices of Peter G. Macaluso, we help individuals, families and small businesses explore a path toward financial stability. From overwhelming bills to the threat of foreclosure, we start by listening.
Then we help you understand what bankruptcy may mean for your finances, your property and your next chapter.
Get to know the people in your corner ↗HOW WE CAN HELP
Every financial situation is different.
Let’s find the right place to start.
Explore whether you qualify to discharge eligible unsecured debts, including credit card balances, personal loans and medical bills. Many Chapter 7 cases reach discharge in about three to four months.
Explore your options ↗
Consider a court-approved repayment plan of three to five years that may help you catch up on a mortgage, a car loan or tax debt while you keep your property.
Discuss a repayment plan ↗
If you are behind on mortgage payments, understand your options and why it matters to act before a trustee’s sale date is set. Filing can pause the sale while you plan.
Talk about your home ↗
A judgment creditor taking part of every paycheck, or a levy on your bank account? The automatic stay that comes with filing generally stops garnishments and levies.
Protect your income ↗
Behind on a car loan or other financed property? Bankruptcy can stop a pending repossession, and a Chapter 13 plan may let you catch up on what you owe.
Keep your car ↗
Peter Macaluso litigates dischargeability disputes, automatic stay violations and challenges to a creditor’s right to payment when a case needs more than a filing.
Discuss a dispute ↗Eligibility, protections and outcomes depend on your circumstances. We’ll explain how the law may apply to you.
UNDERSTAND YOUR OPTIONS
You don’t have to know which chapter fits.
That’s what the first conversation is for.
Discharge-focused relief for qualifying debts.
Liquidation and discharge of eligible debts
No Chapter 13-style repayment plan
Income, eligibility and property exemptions
Nonexempt assets may be sold
A structured, court-approved repayment plan.
Court-approved repayment plan
Typically three to five years
Regular income and ability to fund a plan
May allow you to retain property while repaying
PETER G. MACALUSO Attorney at LawEXPERIENCE. EMPATHY. ADVOCACY.
Local roots. Personal commitment.
Bankruptcy experience since 2002.
Peter G. Macaluso represents clients throughout the greater Sacramento area, with a focus on Chapter 7, Chapter 13 and bankruptcy litigation.
A former active-duty U.S. Marine and community boxing coach, Peter brings dedication and a hands-on approach to helping people move forward.
Meet with our office ↗
Celeste Jennings-MacalusoBankruptcy teamWith experience on both the creditor and debtor sides of the bankruptcy industry, Celeste brings a valuable perspective to the firm’s work helping clients navigate debt challenges.
WHAT COMES NEXT
We’ll help make an unfamiliar process
feel more understandable.
Start with a free consultation. Share your concerns, your goals and any upcoming deadlines.
Review your income, debts and property with our team. Discuss the possible paths and costs.
If you choose to work with us, we’ll guide you through the preparation and next steps for your case.
YOU DON’T HAVE TO HAVE ALL THE ANSWERS
Debt can make every option feel closed. A bankruptcy filing opens a door: collection calls stop, a foreclosure sale can be paused, and you get a legal framework to start again.
FROM THE BLOG
How the means test, your income and the property you want to keep point you toward one chapter or the other.
Read article ↗
Calls, garnishments, levies and foreclosure sales: what stops, what doesn’t, and the exceptions to watch for.
Read article ↗
The homestead exemption, mortgage arrears and how a Chapter 13 plan can help you catch up over time.
Read article ↗QUESTIONS, ANSWERED
Have a question about your own situation?
We’re here to talk it through.
Yes. Our office offers a free initial consultation so you can discuss your situation and learn about your options before deciding how to proceed.
Filing generally triggers an automatic stay that pauses many collection actions. Exceptions and limits apply, especially with repeat filings. A consultation alone does not stop collections or court deadlines.
It depends on the chapter, exemptions, equity and loan status. Chapter 13 may offer a way to catch up on arrears. We can review the details before you make a decision.
Bring a general list of debts, recent income information, monthly expenses and any collection or foreclosure notices. Call our office beforehand if you’re unsure what to prepare.
Yes. Ask about flexible payment options during your consultation. Our office will explain the fees and arrangements available for your situation.
Sí. Traducción al español disponible. Please let our office know when scheduling if you would like Spanish translation.
YOUR NEXT CHAPTER STARTS HERE
A conversation can bring clarity.
Schedule your free consultation.
OFFICE HOURS
Monday–Friday · 9 AM–4 PM
Closed for lunch · 12 PM–1 PM
Saturday · By appointment
Traducción al español disponible.
LOCAL OFFICES. PERSONAL SUPPORT.
Sacramento · Lodi · The Sacramento Valley