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Debt Relief Lawyers in San Francisco, California

Navigating the world of debt relief can be daunting, but finding the right lawyer can make all the difference. San Francisco offers a plethora of experienced debt relief lawyers ready to assist you. This comprehensive guide will help you understand what to look for, the credentials to consider, and provide detailed insights into some of the top-rated professionals in the area.

Understanding Debt Relief Options

What to Look For in a Debt Relief Lawyer

When seeking debt relief, you need a lawyer who is not only knowledgeable but also empathetic and capable of handling your unique financial situation. Look for:

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  • Experience and Specialization: Lawyers who specialize in debt relief and bankruptcy law.
  • Client Reviews: Positive feedback from previous clients can indicate reliability and effectiveness.
  • Consultation Availability: Lawyers offering free initial consultations can help you gauge compatibility without upfront costs.
  • Clear Communication: The ability to explain complex legal terms in understandable language is crucial.
  • Fee Structure: Transparent fee structures to avoid unexpected costs.

Key Credentials to Consider

Credentials can provide assurance of a lawyer’s qualifications. Essential credentials include:

  • Bar Association Membership: Ensure they are licensed to practice in California.
  • Years of Practice: More experience often equates to better handling of diverse debt scenarios.
  • Special Training or Certification: Look for additional certifications in bankruptcy or consumer law.
  • Client Testimonials and Case Studies: Real-life success stories can provide insights into what to expect.
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Top Debt Relief Lawyers in San Francisco

Keith F. Carr

Contact Information:

  • Website:
  • Phone: (415) 691-4518
  • Address: 75 Broadway, Suite 202, San Francisco, CA 94111

Keith F. Carr has over 30 years of experience in bankruptcy and divorce law, helping clients save their homes and businesses. He focuses on providing personalized attention to ensure each client’s needs are met efficiently.

Lucy Zheng

Contact Information:

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  • Website:
  • Phone: (408) 638-7006
  • Address: 201 Spear Street, Suite 1100, San Francisco, CA 94105

Lucy Zheng specializes in individual tax debt relief, DUI law, and personal bankruptcy filings. Her practice is noted for offering tailored solutions to meet clients’ specific needs, ensuring a personal touch.

Tobias McCabe Lester

Contact Information:

  • Website:
  • Phone: (415) 230-5365
  • Address: 201 Spear Street, Suite 1100, San Francisco, CA 94105

Tobias McCabe Lester provides protection and support for clients, helping them safeguard their assets and achieve a fresh start. His approach is grounded in empathy and a deep understanding of bankruptcy law.

Tina Phan

Contact Information:

  • Website:
  • Phone: (415) 230-5388
  • Address: 201 Spear St., Suite 1100, San Francisco, CA 94105

Tina Phan offers extensive experience in bankruptcy and family law, providing free consultations to help clients navigate their financial difficulties.

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J. Michael Kelly

Contact Information:

  • Website:
  • Phone: (415) 693-2076
  • Address: 3 Embarcadero Center, 20th Floor, San Francisco, CA 94111

J. Michael Kelly is noted for his expertise in bankruptcy and business law, with a strong emphasis on client-focused solutions that aim to resolve financial issues efficiently.

Lisa Jane Espada

Contact Information:

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  • Website:
  • Phone: (415) 504-6195
  • Address: 71 Stevenson St., Suite 400, San Francisco, CA 94105
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With 25 years of experience, Lisa Jane Espada specializes in bankruptcy and consumer law. She is dedicated to helping clients achieve financial stability and protecting their rights against unfair debt collection practices.

Reviews and Highlights

Keith F. Carr

  • Yelp Review: “Keith was a lifesaver during a difficult time. He explained everything in detail and made the process much easier than expected. Highly recommend!”

Lucy Zheng

  • Yelp Review: “Lucy is amazing! She handled my case with professionalism and empathy. I felt supported throughout the entire process.”

Tobias McCabe Lester

  • Yelp Review: “Tobias helped me get my life back on track. His knowledge and dedication are unmatched. A true professional.”

Tina Phan

  • Yelp Review: “Tina provided excellent advice and support during my bankruptcy filing. She was always available to answer my questions.”

J. Michael Kelly

  • Yelp Review: “Michael is a fantastic lawyer. He made a complicated situation understandable and manageable. I couldn’t have asked for better representation.”

Lisa Jane Espada

  • Yelp Review: “Lisa’s expertise and compassion were evident from our first meeting. She guided me through a very stressful period with ease.”

Detailed Information Table

Lawyer Specialization Contact Address Website
Keith F. Carr Bankruptcy, Divorce (415) 691-4518 75 Broadway, Suite 202, San Francisco, CA 94111
Lucy Zheng Tax Debt Relief, DUI (408) 638-7006 201 Spear Street, Suite 1100, San Francisco, CA
Tobias McCabe Lester Bankruptcy, Estate Planning (415) 230-5365 201 Spear Street, Suite 1100, San Francisco, CA
Tina Phan Bankruptcy, Family Law (415) 230-5388 201 Spear St., Suite 1100, San Francisco, CA
J. Michael Kelly Bankruptcy, Business Law (415) 693-2076 3 Embarcadero Center, 20th Floor, San Francisco, CA
Lisa Jane Espada Bankruptcy, Consumer Law (415) 504-6195 71 Stevenson St., Suite 400, San Francisco, CA
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Choosing the Right Lawyer

Evaluating Your Needs

When choosing a debt relief lawyer, it’s essential to evaluate your specific needs. Are you looking to file for bankruptcy, settle debts, or seek advice on managing your finances? Understanding your goals will help you select a lawyer who specializes in the area most relevant to your situation.

Initial Consultation

Take advantage of initial consultations to get a feel for the lawyer’s approach and personality. This meeting is an opportunity to ask questions, discuss your concerns, and see if the lawyer’s communication style works for you.

Research and Reviews

Research each lawyer’s background and read reviews from past clients. Websites like Yelp and Avvo are valuable resources for gathering insights and real-world feedback.

Questions to Ask

Prepare a list of questions for your consultation, such as:

  • How long have you been practicing debt relief law?
  • What is your success rate with cases similar to mine?
  • Can you provide references or testimonials from past clients?
  • What is your fee structure, and are there any additional costs I should be aware of?


Debt relief is a complex and often stressful process, but with the right legal guidance, you can find a path to financial stability. San Francisco boasts a wealth of experienced debt relief lawyers dedicated to helping clients navigate their financial challenges. By considering the factors outlined in this guide and taking the time to research and consult with potential lawyers, you can make an informed decision and take the first step toward a brighter financial future.

Remember, the key to successful debt relief is finding a lawyer who not only has the expertise but also understands and empathizes with your unique situation. Take your time, ask the right questions, and choose a lawyer who will be a steadfast ally in your journey to financial freedom.

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