Skip to main content

Scott Darrell Schwartz

Chapter 7 bankruptcy Attorney at San Francisco, CA

5.0   41 reviews
  • Licensed for 41 years
    State CA
    Acquired 1982
    Active No misconduct found

We have not found any instances of professional misconduct for this lawyer.

About Scott

Learn Scott’s areas of practice.

Practice areas
  1. Chapter 7 bankruptcy
    I file Chapter 7 bankruptcy cases in the Northern and Eastern Districts of California.

    42 years, 4,000 cases

  2. Bankruptcy and debt
    I provide debt counseling to clients who are unable to qualify for bankruptcy.

    42 years, 4,000 cases

  3. Chapter 13 bankruptcy
    I file Chapter 13 bankruptcy cases in the Northern and Eastern Districts of California.

    42 years, 4,000 cases

  4. Chapter 11 bankruptcy
    I file Chapter 11 and 12 Bankruptcies in the Northern and Eastern Districts of California.

    42 years, 100 cases

I am the managing partner of Rust, Armenis & Schwartz, A Professional Corporation.  The firm is an AV-rated firm by Martindale and was founded in January 1963. The firm is also recommended by AM Best's Directory of Attorneys.  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 focuses on filing Chapter 7 and 13 bankruptcies for individuals and 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.  I filed approximately 300 bankruptcy 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. The firm receives referrals from the national, state and local bar associations and labor unions. 


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 business 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.


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 recommending you to several others who are in the same boat we were. I can't say enough about how great your staff was as well." "I have never experienced such positive assistance and support from a legal office. Scott-you are an amazing attorney. You walked me through my case and calmed my nerves when I went before the judge."



Rust Armenis & Schwartz
244 Jackson Street
Fourth Floor
San Francisco, CA, 94111
Scott Darrell Schwartz
8880 Cal Center Drive, Suite 400
Sacramento, CA
Scott Darrell Schwartz
1990 N. California Boulevard, Eighth Floor
Walnut Creek, CA, 94596
Scott Darrell Schwartz
111 N. Market Street, Suite 300
San Jose, CA, 95113
Scott Darrell Schwartz
1900 S. Norfolk Street, Suite 350
San Mateo, CA, 94403
Scott Darrell Schwartz
672 W. 11th Street
Tracy, CA, 95376
Hide locations

Similar lawyers nearby


5.0 / 5.0
  41 customer reviews
5 Star
4 Star
3 Star
2 Star
1 Star
Posted by Fran | July 1, 2014
Outstanding Attorney
Scott helped us through our darkest days and made the process very comfortable and efficient. He guided us through the bankruptcy procedure with as little stress as possible. He is very responsive and is extremely knowledgeable. I would recommend him without reservation. He is wonderful to deal with!
Posted by anonymous | May 14, 2013
Mr.Scwartz and I had a consultation about my potential case in a chapter 13. I had already spoken to at least seven other attorneys due to the nature and complications of my particular case. I found Mr. Schwartz to be the most intelligent, un -selfish, and most willing to figure out a solution to the problem without expecting me to hire him as my attorney. He knew that my case would have to be filed in another state and he would not be able to represent me. Even so, he gave me the best advice. What an excellent person he is.
Read less
Posted by anonymous | April 25, 2013
Best experience ever!
My husband and I were extremely pleased with Scott Schwartz and his awesome assistant, Roxanne. We came to him a bit nervous but he spent a lot of time with us (free consultation by the way) and answered all of our questions and addressed our concerns. We knew he was trustworthy and genuine and we liked him immediately. Roxanne his assistant was extremely knowledgeable, thorough, and kind. She would respond to our (thousand) questions via email and phone right away. We couldn't recommend Scott Schwartz enough. You won't be disappointed.
Read less
Posted by Bill | March 1, 2013
Best Attorney I Have Worked With In Over 30 Years
I am not proud having to file a bankruptcy action after pursuing a dream for 20 years. I am extremely fortunate though to have selected Scott Schwartz as my attorney. He knows the law, makes certain that you provide up front all the information a trustee requires, and keeps you well-informed about the process. I could not give him a higher recommendation.
Read less
Posted by Kathleen | December 21, 2012
I Highly Recommend Scott Schwartz
Scott Scwartz provided thorough, professional representation. The papers he prepared were complete, and he was diligent in making sure the trustee had all the necessary information for the bankruptcy case to go smoothly to conclusion.
Posted by anonymous | November 12, 2012
Chapter 7 Bankruptcy
Scott helped us through a rough stretch by doing a Ch. 7 Bankruptcy. He was with us each step of the way . At our hearing we felt confident of our case with Scott by our side. His assistant Roxanne was always available to answer any questions we had and emails were returned the next day without fail. We just got our case discharged and it feels like a huge weight has been lifted off our shoulders. We highly recommend Scott and his excellent staff.
Read less
Posted by Mary | July 7, 2012
Hire this lawyer!
Scott was personal, professional and knowledgeable. He was extremely efficient. My case was handled step by step without any missteps. I was very pleased with the whole process. I had confirmation that Scott was the best on the day of my hearing. That was when I could compare him to all the others on the docket that day. We were the best prepared and quickest with the judge - and a positive outcome. Additionally, his entire staff is professional, responsive and nice.
Read less
Posted by Robin | December 5, 2011
Under-promised and over-delivered; I rate Scott and Roxanne 5 + stars!
I found Rust, Armenis & Schwartz on the web site in the Nolo’s Lawyer Directory. I specifically selected Scott Schwartz based on his extensive background, years of experience and well established practice in the Bankruptcy specialization as our unique circumstance included real estate. From start to finish my choosing this attorney was confirmed repeatedly. From the first phone conversation with the Firm’s office to schedule our free consultation, our expectations were exceeded. Not only was I greeted by a person willing to both listen and provide some much needed understanding, I was able to schedule the consultation within hours of my call, later that same afternoon. Right from the start, at our initial free consultation, Scott listened patiently, entertained all of our questions, and provided information as well. Over the weeks we worked with the Firm, we had numerous questions, requested numerous clarifications and several conversations regarding our case. Roxanne and/or Scott responded in a timely manner as appropriate with both patience and professionalism; each question was answered, clarifications were made, conversations with Scott were scheduled and conducted accordingly. We were provided with thorough instructions to complete the required documentation with which to prepare the schedules, to take both the required credit counseling prior to filing and the post-filing debt management course, and to attend the 341 Hearing Trustee meeting as well. Roxanne’s consistent, patient, supportive, pleasant manner and unwavering willingness to listen, even when I went off topic or was under the influence of stress, was priceless and sooo appreciated. Though I’ve never met her face-to-face, I felt like she held my hand every step of the way. We selected the option of bankruptcy because we thought it was our best option. Scott confirmed it via the consultation and then after reviewing our unique case in total, provided a solution beyond our expectations. By the time we’d filed, I felt informed and confident that we’d made the right decision. Before working with Scott Schwartz, I’d intellectually understood the concept of, “under-promise and over-deliver.” However, thanks to the amazing experience we’ve had working with the office of Rust, Armenis & Schwartz, I now know the meaning. This was a life changing experience for us; one for which we will be forever grateful. I’d definitely provide referrals; I rate them 5 + stars!
Read less
Posted by Travis | November 2, 2011
Very Helpful
Scott and his staff (Roxanne) were very helpful. My case required some special attention and they did a great job. They explained upfront how the process works and what I could expect before they took my case. After they took my case they were there for me throughout the process. I would recommend them to anyone who is thinking about bankruptcy.
Read less
Posted by David | November 1, 2011
Right in the nick of time
I had multiple properties foreclosed on in the last several years and this year the lenders were sending threatening letters. I found Scott online out of six other Bankruptcy Attorneys. By this time, I sought out and interviewed two other attorneys that gave me proposals on my qualifications for Bankruptcy. I was not happy with the answers that I received so I called Scott. He was very pleasant on the phone and it made me feel comfortable discussing my finances and the current predicament that I was in. He was very straight forward and honest about my situation and what I could expect the outcome to be. Because of his knowledge in the Bankruptcy laws, today I am free of threatening letters or phone calls. No more worries and the emotions that come with having judgments against me. I am a free man and it feels great. Thanks Scott for giving me new life.
Read less
Posted by Kiril Andreev | October 20, 2011
Excellent Experience
There was something good in trouble that I was in a few months ago and that was my encounter with Scott Schwartz and his team . I was in trouble , we need to move quickly and all this was done very professional. I would like to thank him very much for what they did for me and especially to Amy- his assistant . I would like to recommend Scott Schwartz and his team to everybody in trouble.
Read less
Posted by Sarina | October 20, 2011
review of Scott Darrell Schwartz
Scott was very helpful and informative regarding our expectations regarding our Bankruptcy filing. He gave me a lot of hope on coming out of a very difficult situation and arriving in a better place. That is what happened. I consider myself very lucky to have had him in my corner. He and his staff were so helpful and efficient and that came as a happy surprise. I would recommend him to anyone.
Read less
Posted by anonymous | August 9, 2011
A bright ending to an unfortunate situation
Hi Scott; Sorry I did not review sooner. Thank you so much for your help and caring demeanor throughout our filing process. All of your staff (Chris, Amy) made the ordeal much more bearable. Your professional behaviour has strengthened our respect and trust in Attorney/Client relationship.
Posted by anonymous | August 4, 2011
Excellent Lawyer
Scott Darrell Schwartz is a very knowledgeable lawyer. He really knows what he is doing. He is someone that I can trust with my bankruptcy. He kept me informed with everything specially before going to bankruptcy court. He works very fast. I will definitely recommend him to everybody. Thank you Scott for your excellent work. Creditors doesn't call me anymore ever since all my debts have been discharged.
Read less
Posted by Debbie | July 31, 2011
He Earned My Trust
I was confused, embarassed and so SCARED about filing for bankruptcy. I was searching the web for information thinking that maybe I could do it all myself, when I saw his ad for a free one-hour phone consultation. I was skeptical, to be sure, but I called and made a phone appointment. I was beyond pleasantly surprised. My phone rang right on time. I probably spoke to him for longer than an hour and he answered all of my questions and put me quite at ease with the whole process. I never felt embarrassed or guilty as Scott explained the costs, the law and the time-line. Everything went exactly as he had explained and when it was time to go to court, he put me at ease about that, also. He could not be there for the hearing, but the associate who was there was terrific and put me at ease. Scott was also available to help me with some issues that came up after the hearing. This was my first experience with Bankruptcy so I have no one to compare him to, but in my mind, he a wonderful attorney and helped me immensely. I would absolutely recommend him to anyone, any time. My Bankruptcy was finalized when I was told it would be and I am now on my way to re-building my credit. I am so glad that I didn't try to go thru this process on my own and that I had an attorney that I could trust. Thank you, Scott
Read less
Posted by anonymous | July 27, 2011
Scott Schwartz was there for me when i needed help
I needed to do a bankruptcy and hired a lawyer that a friend recommended to me. After paying almost $4000 this lawyer lallygaged and did nothing. Then when i pushed to get something done, he wanted more money. I went to Scott with my problem and with minimal costs, all was fixed quickly and easily.
Posted by Nora | July 27, 2011
A Better Lawyer You Will Never Find !!!
Scott is a wonderful Lawyer who is not only intelligent about the Law, but also takes the the time to listen to the questions a client has about what will happen with your case. He is also a very kind and gets things done. He or his staff are always there to help if you call with follow up questions or need something for the court. Scott walked me through the process before it took place in Court so that I felt comfortable when the time came and it went exactly like he said it would. Good Lawyers like Scott are hard to find, that's why I took the time to write this about his services.
Read less
Posted by anonymous | July 27, 2011
Scott helped me with a bankruptcy and made the process very easy. I would definitely recommend him.
Posted by Michelle | July 26, 2011
Definitely Recommend
I enjoyed working with Scott and his team. They were always there whenever I had a question or needed anything. Not only were they efficient but friendly, patient, and knowledgeable. I never had any doubt about the safety of my information and trusted him completely.
Posted by Rosemary | July 26, 2011
Extremely Satisfied !
I found myself needing to file for Bankruptcy; I was helped along every step of the way. I always felt fully informed, and all my questions were answered in a timely manner.
View less reviews


  • Free Consultation 60 minutes
Payment methods
Cash, Check, Credit Card


AVVO RATING 8.2 (Excellent)

Work Experience

  • Managing Partner
  • Rust Armenis & Schwartz
  • 1993 - Present
  • Partner
  • Kinder & Wuerfel
  • 1983 - 1993


  • Pacific McGeorge School of Law
  • JD - Juris Doctor
  • 1981
  • Univ of California Santa Barbara
  • BA - Bachelor of Arts
  • 1977

Sample of Legal Cases

  • Acme Galvanizing Co. v. Fireman's Fund Ins. Co.(1990) 221 Cal.App.3d 170 , 270 Cal.Rptr. 405
  • Client won the case


  • Contra Costa County Bar Association, Commercial Law and Bankruptcy Section
  • 2011 - Present
  • San Mateo County Bar Association
  • 2011 - Present
  • Santa Clara County Bar Association, Bankruptcy/Commercial Law Section
  • 2011 - Present
  • Sacramento County Bar Association, Bankruptcy and Commercial Law Section
  • 2011 - Present
  • National Association of Chapter 13 Trustees
  • 2010 - Present
  • American Bankruptcy Institute
  • 2008 - Present
  • National Association of Consumer Bankruptcy Attorneys
  • 2008 - Present
  • NACTT Academy For Consumer Bankruptcy Education
  • 2008 - Present
  • Property Claims Association of the Pacific (provides CLE for attorneys)
  • Former Board Member and Vice President
  • 1986 - Present
  • CCAI Bay Area Roundtable (provides CLE to attorneys)
  • Former Board Member
  • 1984 - Present
  • American Bar Association
  • Advisory Panel
  • 1982 - Present
  • State Bar of California
  • 1982 - Present
  • San Francisco Bar Association Business and Bankruptcy Section
  • 1982 - Present
  • American Bar Association, Business Bankruptcy Section
  • N/A
View all associations

Honors and Awards

  • Appreciation of Support for Bankrupcy Pro Bono Project
  • Contra Costa Bar Association
  • 2011
  • Editor
  • ABI Volo Project
  • 2011
  • Apreciation for Support in Pro Bono Panel Presentation
  • Home Buyers Realty
  • 2010


  • Mathew Bender
  • Insurance Law and Practice (contributing author)
  • 1984
View all publications

Speaking Engagements

  • Property Claims Association of the Pacific
  • Requirements for Handling Property Insurance Arbitrations
  • 2001
  • California Conference of Arson Investigators
  • Preparing for and Taking Depositions
  • 1997
  • California Conference of Arson Investigators
  • Expert Testimony
  • 1995
  • Northern California Fraud Investigators Association
  • Evidence in Arson Cases
  • 1992
  • California Conference of Arson Investigators
  • Arson Trials
  • 1988
View all speaking engagements

Attorney endorsements

Received (3)
Given (2)
Endorse Scott
Chapter 7 bankruptcy Attorney | Aug 08
Relationship: Fellow lawyer in community
"I endorse this lawyer."
Bankruptcy and debt Attorney | Nov 22
Relationship: Fellow lawyer in community
"I endorse this lawyer. Reputable, experienced attorney in the San Francisco-Oakland Bay Area."
Chapter 7 bankruptcy Attorney | Nov 17
Relationship: Co-worker
"Scott Schwartz is an excellent attorney. He always exceeds expectations. I handle bankruptcy hearings for him and his work is always perfect. He has the complete respect of the bankruptcy judges and trustees. He is superb at working out complex bankruptcy and tax problems and his clients always appreciate his dedication to the job."
Chapter 7 bankruptcy
Chapter 13 bankruptcy