top of page

Law Office of Julie Cliff

An Affordable Bankruptcy Law Firm

Bankruptcy can provide you with a fresh start.  Many responsible people find themselves in difficult financial circumstances. If you are falling behind on your mortgage or other financial obligations, it is time to seek advice from an experienced bankruptcy attorney. We will steer you in the right direction for you.  


Julie Cliff offers among the lowest fees for bankruptcy in Santa Clara County.  She will work with you to get your case on file with as little upfront cost as possible. 

The best time to consult with a bankruptcy attorney is before you really need one.  That way, you can better plan for your bankruptcy filing.  There are things that you should and should not do when anticipating a bankruptcy filing.  It’s better to consult with an attorney so that you know how to prepare.  Law Office of Julie Cliff, handles all chapters of bankruptcy.  You don't know whether bankruptcy is the best option for you, or which chapter is right for you, until you consult with an attorney.


Call Law Office of Julie Cliff to schedule a free initial confidential consultation with an experienced and caring bankruptcy attorney. (719) 331-0727

School LIbrary

Julie Cliff - Attorney

I have an active and busy bankruptcy practice. I handle Chapter 7, 11 and 13 bankruptcies, and also represent various parties in bankruptcy adversary proceedings.

I also handle appeals in federal and state courts both in cases in which I have represented a party or in cases in which I have been brought in specifically for my appellate proficiency.

For five years, I was a litigation associate at The Carey Law Firm. I specialized in insurance class action litigation, and brought lawsuits against many insurance companies, including Allstate, American Family, American Standard, Farmers, Guideone, Liberty Mutual, Nationwide, Progressive, Shelter, and State Farm. I successfully brought cases through trial, appeal and/or settlement.

I have litigated consumer class action lawsuits in California, Colorado and Arizona, including cases against the City and County of Denver, the Colorado Lottery, the Arizona Lottery, the California Lottery, Hyundai Motor America, Mail Boxes, Etc., Postal Annex+, Inc., Rexall Sundown, Inc., U-Haul International, Inc., and United Parcel Service.

I have extensive experience in the appellate briefing of issues pertaining to insurance bad faith, unfair business practices, consumer protection, false advertising, and governmental immunity.

Home: Homepage_about
Legal Advice

Chapter 7

If you're plagued by debt, filing Chapter 7 bankruptcy may be the most effective way to protect yourself from creditor harassment and start fresh.

Julie Cliff is an experienced bankruptcy attorney ready to help you file for Chapter 7 and make the phone calls stop. She has helped numerous clients absolve themselves of debt and can do the same for you. Some advantages to filing Chapter 7 with Law Office of Julie Cliff include:

• Detailed analysis of your current financial situation

• Determining your property exemptions

• Ensuring your eligibility for Chapter 7

• Stop garnishments

• Stop repossessions

• Complete representation through the Chapter 7 process

Julie Cliff will instruct you as to the best course of action.

Chapter 7 isn't for everyone, and there are numerous factors to consider. No matter your situation, you can always trust Julie Cliff to provide honest and effective legal counsel and provide relief from your current financial stress.

Legal Representation

Chapter 13

It is possible to immediately stop a foreclosure sale and save your home with a Chapter 13 bankruptcy.  When you get behind on your mortgage, catching up seems next to impossible.  A Chapter 13 bankruptcy can be the extra break you need to help bring you current.  You can pay back the mortgage arrearage with a Chapter 13 payment plan.  It is also possible to “strip off” a second or third mortgage and completely eliminate that debt.

Don’t trust your mortgage company to take care of you, or to follow through with that promised home loan modification.  Nationwide, very very few home loan modification applications are permanently approved.  If you think your mortgage company is giving you the run around, a Chapter 13 payment plan may be the better option.

Julie Cliff takes pride in helping individuals file for Chapter 13 bankruptcy and establishing a viable debt restructure. As an experienced bankruptcy attorney and Chapter 13 attorney, Julie Cliff has helped numerous debtors recover from mortgage defaults and return to their normal lives as homeowners.

We'll help you with all the particulars and paperwork involved in establishing Chapter 13, including:

• Analyzing your debt

• Determine eligibility and gauge your income

• Ascertain your property exemptions

• Complete and file all forms

• Represent you at hearings and help negotiate with creditors

Beyond guiding you through the Chapter 13 process, Law Office of Julie Cliff will instruct you as to the best course of action. Chapter 13 isn't for everyone, and there are numerous factors to consider. No matter your situation, you can always trust Law Office of Julie Cliff to provide honest legal counsel that helps with your debt.

Don't Let Debt Ruin Your Life; Get A Fresh Start With the Help of Law Office of Julie Cliff

To schedule a free consultation please call us today at (719) 331-0727.

Initial consultations are free and completely confidential.

Law Office of Julie Cliff is a debt relief agency.

Home: Service

"Julie Cliff is a very respectable, pleasant, kept us informed on all that was going on, helpful person. I would recommend her to anyone that would want a good and reliable attorney."

Harold and Frances

Home: Testimonial

"Julie Cliff is an excellent attorney. Her knowledge is invaluable and the customer service I received far surpassed any other attorney I've worked with. She is always more than willing to meet with you, giving you solid answers to your questions."


Home: Testimonial

Request a Free Telephone or In Person Consultation

Your details were sent successfully!

  • facebook
  • generic-social-link
Home: Contact
bottom of page