A bankruptcy filer is a person who is facing financial crisis; it can be credit card debts which get bigger because of an injury, uninsured medical expenses and loss of job; as a result, he incurs various monetary penalties piling up his debt. The U.S. constitution allows bankruptcy under article1, section8 and Clause 4. You can file your bankruptcy in the USA Bankruptcy courts through a Fresno ca bankruptcy lawyer; the USA federal law governs the legal procedure; while ascertaining property rights, state laws are also applied.The US Bankruptcy law firm bay area really assists those debtors who need help to start afresh, and want to avoid spending the rest of their life under the unbearable burden of debts. If you have unclear debts, you may not necessarily require bankruptcy law to protect your assets because there are several rules called “Asset Protection” which are a mixture of laws that give you freedom to retain certain property even if you are in the red. Every state has designed its own laws to specify property you can keep to live a secure and protective life; that’s why you cannot be forced to sell off your bungalow in Texas and Florida, even if your debt amount is bigger than a billion dollar of debt.