Lisa J. Espada is a civil litigation attorney devoted to helping Northern California consumers and small business owners solve their debt problems.  This website provides information about debt collection defense, consumer rights law, bankruptcy and student loan issues.

Debt Collection Defense

Most lawsuits for collection of consumer debts result in default judgments, because the defendant does not understand the process…

Read more

Consumer Rights Litigation

I represent consumers whose rights have been violated by debt collectors, debt buyers, banks, credit unions and other creditors.

Read more


I represent clients throughout the San Francisco Bay Area* who want to discharge or manage their debts through chapter 7 or chapter 13 bankruptcy.

Read more


Student Loans

Most questions about student loans can be can be answered by referring to information published by the federal government or…

Read more

The Law Office of Lisa J. Espada is a debt relief agency, helping consumers file for bankruptcy relief under the United States Bankruptcy Code.

This firm provides counseling and services to clients in the following California counties: Marin, Sonoma, Napa, Solano, Contra Costa, Alameda, San Francisco and San Mateo.  Contact us for a consultation regarding possible violations of the Fair Debt Collection Practices Act if you live anywhere in the State of California.

The information contained in this site is general in nature, and is not intended to constitute legal advice or recommendations.  Communications between an attorney and prospective clients are strictly confidential, but no attorney-client relationship is created unless a contract for legal services is signed.



Recent Updates

Check here for news and articles about consumer debt, bankruptcy and related subjects..

Show all Posts

The California Statute of Limitations for Collection of Debts


When a consumer has been sued for collection of a debt that he has heard nothing about for several years, he may wonder whether the collection of that debt is.. read more

Seven Steps Towards Resolving Identity Theft


Most people who are sued in debt collection cases acknowledge that they had an account and owed money to a creditor, and stopped paying on the debt.  Lawsuits may be.. read more

Bankruptcy for a Married Person: Should You File as an Individual, or as a Couple?


A common question from a married person is: can I file a bankruptcy case alone, or do I need to file with my spouse? A married person may file a.. read more