Raj: Chapter 7 is the most common type of bankruptcy that is filed, probably between 80 to 85% of all bankruptcies are Chapter 7. That's the kind that we can protect all your assets under the California exemptions, and we show that you qualify on an income to expense standpoint, that we essentially eliminate all the unsecured liability. And if we can protect everything, most of our clients are able to keep everything.
Greg: When somebody has a lot of unsecred debt, we can wipe out that debt effectively in a Chapter 7. And typically we can make sure that clients don't lose any assets in the process. California has generous exemptions that allow people to keep their property for the most part.