Law Offices Of Rust, Armenis & Schwartz

Law Offices Of Rust, Armenis & Schwartz

Experienced, highly respected bankruptcy attorney with six Bay Area Offices, free initial consultation. We offer affordable personalized service. Call us today!

Firm Overview

Rust, Armenis & Schwartz, A Professional Corporation is an AV-rated firm and was founded in January 1963. The firm has offices in San Francisco and Sacramento and conference centers in San Mateo, Walnut Creek, San Jose, and Tracy. The firm has a bankruptcy practice throughout Northern California focused on filing Chapter 7 and 13 bankruptcies for individuals and businesses.

We are very familiar with the bankruptcy trustees in the Northern and Eastern Districts of California and have forged strong relations with them as a result of the high quality of our work product.

Rust, Armenis & Schwartz, A Professional Corporation is an AV-rated firm and was founded in January 1963 in Sacramento. The firm has multiple offices described above. The firm began as a litigation boutique handling cases for insurance companies and medical providers. The firm has developed a bankruptcy practice throughout Northern California. The firm has filed thousands of bankruptcies in the past five years and files approximately 30 bankruptcies each month. Since its beginning, the firm has provided advice in a wide range of areas. The firm has handled business matters and litigation for a variety of clients.

Our clients in the past have included: C & C Steel Products, Inc., Allied Van Lines, Inc., Assetcare, Inc., Benetech, Inc. Anthem Group Services Corporation, the Reciprocal Group, Shell Oil Company, Rubicon Vista Association, Mercy Foundation, D. Benvenuti/Rubicon Vista Development, California State Automobile Association, United States Automobile Association, Hartford Insurance Company, Truck Insurance Exchange, Farmers Insurance Group, Sacramento Claims Service, Cigna, Optima Healthcare Insurance Services, Kaiser Permanente, Empire Fire & Marine Insurance, Michigan Millers Mutual Insurance Co., American General Life Insurance, George Hills Company, Inc., Sutter Health Risk Management, Octagon Risk Services, Inc., Octagon Risk Services, Inc., State Farm Fire & Casualty Company, Security Mutual Life Insurance, Foremost Insurance Group, Motors Insurance Corporation, GE Medical Protective, Cincinnati Insurance Company, Blue Cross of California, Shelter Insurance Companies, Nancy Hicks Maynard, Anthem Life Insurance Company, Chubb, TCO Insurance Services, Yasuda Fire & Marine Insurance Co., Allstate Insurance Company, Two World Financial Center, Preferred Physicians Medical Risk Retention Group, Atlanta Casualty Companies, Wausau Insurance Companies, National Alliance Insurance Company, GMAC Insurance, Northbrook Insurance, Harbor Insurance Company, Federated Mutual Insurance Company, Cal Vet Insurance, Colonial Penn Insurance Company, Universal Underwriters Insurance Co., American Express Property Casualty Co., Westcom Claims Management Services, Inc. California Fair Plan Association, Appalachian Insurance Company, Encompass Insurance Company, AIU North America, Inc. CSE Insurance Company, and California Capital Insurance.

The firm is also recommended by A.M. Best Company in Best's Directories of Recommended Insurance Attorneys.

Example cases

Our office filed approximately 300 cases last year in the various bankruptcy courts in the Northern and Eastern districts allowing our clients to obtain the relief provided by the bankruptcy laws. The cases resulted in millions of dollars of debt being discharged by the courts. Our office files an average of 30 cases each month. We've posted a fraction of the clients' testimonials that were sent to us on our website. They speak to the warm, thorough, professionalism of our team and to the relief experienced by our clients as their cases are discharged. "If it weren't for all of you this would have been awful. It's not easy making this decision. With all your help and support it's been a breeze and peaceful," "We've been raving about your professional service and recommendin

Main Office
(925) 930-3986
1990 N. California Boulevard Eighth Floor
Walnut Creek  CA  94596
  • (925) 930-3986
  • (415) 765-5910
  • (650) 577-5918
  • (408) 418-4629
  • (916) 361-6074
  • (209) 229-7769
  • (415) 765-5914


Free Initial Consultation?
We offer a free one hour consultation.
Services Offered For Fixed Fees?
Our fees are flexible, based on the complexity of the case but range from $1,400 to $1,800 for Chapter 7 cases and $3,500 to $3,800 for Chapter 13 (typically with $1,500 due before the case is filed).
Hourly Rates

Office Information

Office Hours
Monday through Friday
8:00 a.m. to 6:00 p.m.
Office Manager
Roxanne Richards
Emergency After Hours
Languages Spoken
Russian and French.

Other Offices

(415) 765-5910
244 Jackson Street Fourth Floor
San Francisco,  CA  94111
(650) 577-5918
1900 S. Norfolk Street
Suite Suite 350
San Mateo,  CA  94403
(408) 418-4629
111 N. Market Street
Suite 300
San Jose,  CA  95113
(916) 972-8300
8880 Cal Center Drive
Suite 400
Sacramento,  CA  95826
(209) 229-7769
672 West 11th Street
Tracy,  CA  95376

How did your firm decide on the primary area of practice(s)?

I have gradually gravitated toward bankruptcy because of the direct contact with clients and pleasure of assisting someone who needs help with a solution that is a win win for all. This is rare in most legal practices. I am driven by the satisfaction of helping clients who trust me during what is often the most difficult point in their lives.

What is your firm's point of view regarding clients educating themselves on legal issues?

We encourage our clients to educate themselves on legal issues and provide extensive information on our website. We also refer our clients to information located on the American Bankruptcy Institute and the National Association of Consumer Bankruptcy Attorneys websites.

Is your firm willing to review documents prepared by clients?

We review all documentation provided by clients in order to prepare the most accurate and thorough cases possible.

Is your firm willing to coach clients who want to represent themselves?

Bankruptcy can be a complicated process, with the possibility of severe financial implications if done incorrectly. There are constantly changing guidelines and rulings both locally and nationally that make it hard for a non-lawyer to be fully aware. For this reason I recommend that clients seek professional help with this process.

Roxanne Richards

I have been a partner at Rust, Armenis & Schwartz since 1992. In addition to my bankruptcy experience, I have over 28 years of extensive litigation practice. I have provided advice to corporations, businesses, and individuals during the same period and operated a legal business as a partner for 21 years. I have served on the boards of several insurance/legal associations including the advisory panel for the ABA. I have also handled widespread speaking and legal training presentations at the State and local levels.

I have practiced law for 28 years and during that time I have handled extensive litigation, provided advice to corporations and individuals, and operated a legal business as a partner for 21 years. As a result, I have extensive insight into client concerns and effective representation. I have also learned the limitations of legal remedies.

Problem solving with a sense of humor.

Personal interests:

I am married with a teenage daughter and most time outside work is spent with my family. Since most of my work time is indoors, I love outdoor sports, cycling, open water swimming, surfing, and climbing.

  • Bar Number: 104881
    California , 1982
  • University of the Pacific, McGeorge School Of Law
    Juris Doctorate , 1981
    Sacramento, CA
  • University of California, Santa Barbara
    Bachelor of Arts , 1977
    Santa Barbara, CA

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