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Consumer bankruptcy questions invited. I've been filing Chapter 7, 11 and 13 cases since 1985 in Calif and Arizona. I do NOT do homework questions. Let me know what state you're located in when you write. My bankruptcy practice is limited to California and Arizona but inquiries from other states are welcome. Your local jurisdiction determines exemptions. Find more background information at our website, Individual Chapter 11 and small business chapter 11 questions invited. We can also advise on the creditor's side if for example you have a fraud case, money judgment etc against someone who has filed (or is threatening) bankruptcy. We have filed and defended numerous adversary complaints in bankruptcy court and opposed trustees' demands for turnover of assets from time to time.

Experience in the area

My partners and I have filed over 5000 consumer and small business cases to date in California and Arizona.


I've been a member of the California bar since 1984 and Arizona since 2004; also a member of the National Association of Consumer Bankruptcy Attorneys, Bankruptcy section of the Arizona State Bar, Tucson Association of Consumer Bankruptcy Attorneys, Arizona Consumer Bankruptcy Counsel and American Hellenic Educational and Progressive Association (AHEPA).


I've written a booklet on land trusts for real estate owners, players and dealers, and co-authored a special edition of "Stop Sitting on Your Assets". I was a writer of a monthly law review article relating to California real estate issues and pending and recently enacted legislation.


Attorney at law, experienced in trial procedures, adversary complaints filed and defended and numerous claims objection proceedings as well as filing cases for consumer and small business debtors.

What do you like about this subject?

I got into law to help people, and lessening stress due to financial problems is a big part of our bankruptcy practice.

Something interesting about this subject that others may not know:

Bankruptcy is not the end of the world and your credit is not "ruined" for 7 years either. Often consumers can obtain FHA financing on a home 2 years after their bankruptcy case is discharged, and there are any number of secured credit cards (not debit cards) that one can get right after bankruptcy filing.

Something controversial or provocative about this subject

We don't advise do-it-yourself bankruptcy any more than we would recommend do-it-yourself dentistry; there are many traps for the unwary.

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Esther08/14/16101010Thank you for your insightful advices! A .....
Esther 08/12/16101010Lee, thank you, thank you so much .....
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Recent Answers from LEE HORNER, ESQ.

2016-05-23 Chapter 7 bankruptsy:

OK -- here's a non-bankruptcy option.  First to answer your homestead question, the exemption in Ill is $30,000 last time I checked.    That said, with $10k of credit card debt, I would hold off filing

2016-05-22 Chapter 7 bankruptsy:

If all you have is $10,000 in debts I'm not sure bankruptcy is a good idea.  Please advise - are these all credit cards?  What types of debts are they? I'll be glad to answer with a bit more info.    

2016-04-04 Filing for Chapter 7:

You can thank the credit card companies for this -- they repeatedly tried to get the bankruptcy code changed and finally "made friends" with enough congressmen that in 2005 they did so -- see the theory

2016-02-06 Bad debtor:

I would not advise doing anything public other than a small claims suit.  What you should do next is send a letter to the owner of this business advising them that $x is due and you're certain it's an

2016-01-01 What to do...:

Unfortunately student loans remain non-dischargeable in bankruptcy and it's a national crisis or about to be as the student loan debt is close to exceeding the credit card debt in the US --     I'm not


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