Francis Xavier Ruggier, Bankruptcy Attorney in Encino, California

Francis concentrates on bankruptcy, chapter 11, chapter 13, chapter 7, and debt settlement. Each area below outlines the kind of case Francis handles, typical outcomes to expect, and how the intake process starts.

• Bankruptcy

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• Chapter 11

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• Chapter 13

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• Chapter 7

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• Debt Settlement

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Francis's primary office is at 15760 Ventura Blvd., Ste. 1100, Encino, CA, 91436. In-person meetings are by appointment; a phone intake usually comes first.

Working with a new bankruptcy attorney should feel structured. Here's how the first two conversations with Francis usually go, from the moment you request a consult to the day representation begins.

Francis discusses fees during intake so the arrangement fits the matter. Contingency, hourly, and flat-fee options are all common in bankruptcy practice — ask which fits.

• How much does it cost to hire Francis for a bankruptcy case?

  Cost depends on the type of matter, the fee model (contingency, flat, hourly), and how contested the case becomes. Francis walks through the likely range during the consult so there are no surprises.

• Does Francis offer a free consultation?

  Francis charges for the initial consult; that fee is credited toward representation if you retain Francis's office. Some bankruptcy attorneys offer free consults — check Francis's current terms during booking.

• How long do bankruptcy cases in California typically take?

  Simple bankruptcy matters can wrap in a few weeks; disputed cases can run 6–18 months from intake to resolution, longer if the matter goes to trial. Francis gives a realistic estimate for your facts at the consult — vague answers here are a red flag.

• Can Francis take my case if I'm outside Encino?

  Francis is licensed in California. Matters governed by California law are the natural fit. Out-of-state matters are handled case-by-case, sometimes with local co-counsel. Ask during intake — Francis will tell you if the case is a fit or refer you to someone closer to your court.

• What should I bring to my first meeting with Francis?

  Bring every document that touches the dispute: contracts, correspondence, police or medical reports, filed pleadings, invoices, photographs, insurance letters. Also bring a written timeline of what happened, in your own words. Francis will filter what matters — over-preparing at intake is always cheaper than needing a second meeting.

• Is Francis accepting new bankruptcy clients right now?

  Francis's intake status shifts week to week. Submit the form; the office will confirm availability or refer the matter out.