Practice Areas
The current economic situation throughout the U.S. has created many financial setbacks for both individuals and businesses. While filing bankruptcy is never an easy decision, in many cases it provides the right solution to achieve a fresh start. I have spent close to three decades focusing exclusively on bankruptcy matters for individuals and businesses across state of California.
Chapter 7 - bankruptcy is available to individuals who earn less than the state median income. There is no repayment plan in Chapter 7. A trustee is appointed to liquidate non-exempt property and the proceeds are paid to creditors. California has very generous exemption laws, so most individuals can exempt most or all their property. Businesses can also file Chapter 7. Chapter 7 is appropriate for a business that does not want to continue to operate. I am a board certified attorney in both business and consumer bankruptcy and I can guide you through the entire process.
Chapter 13 - bankruptcy is available to individuals and sole proprietorship business within certain debt limitations. Chapter 13 permits debtors to reduce and restructure many debts through a three to five year repayment plan. Chapter 13 also permits individuals to keep non-exempt property which would be sold by a trustee in Chapter 7 by paying their creditors the value of that property through a Chapter 13 plan. It also allows people to pay mortgage arrearages, back child support and taxes.
Chapter 11 - is open to all businesses without regard to size or any debt limitation. It enables companies to restructure secured debt, reduce unsecured debts, and continue in operation. It is a very complex process which must be custom tailored to suit the needs of your specific business. The goal of Chapter 11 is to propose a plan of reorganization which allows the business to restructure secured debts, reduce the amount due to unsecured creditors, extend the length of loans, move to a better or cheaper location, liquidate or give back unneeded equipment and a host of other options for returning profitability to a struggling business. If the Plan of Reorganization receives the vote of enough creditors and is approved by the Court, the newly reorganized business continues operations as restructured through the Plan. As a board-certified business bankruptcy attorney, I bring my years of experience and expertise to guide you through this complex process.
Debt settlement - We can help you come up with a comprehensive plan to reduce your overall or eliminate debt. Our attorneys will explore all your bankruptcy and non-bankruptcy options to come up with the most effective solution for your problem. We will inform you of all the pros and cons of working with a debt consolidation company. Debt consolidation companies often charge extremely high rates for their services and it can leave individuals with almost the same amount of debt they started out with. We will help you assess all the factors that will determine whether debt consolidation is the right option for you.
Chapter 13 - bankruptcy is available to individuals and sole proprietorship business within certain debt limitations. Chapter 13 permits debtors to reduce and restructure many debts through a three to five year repayment plan. Chapter 13 also permits individuals to keep non-exempt property which would be sold by a trustee in Chapter 7 by paying their creditors the value of that property through a Chapter 13 plan. It also allows people to pay mortgage arrearages, back child support and taxes.
Chapter 11 - is open to all businesses without regard to size or any debt limitation. It enables companies to restructure secured debt, reduce unsecured debts, and continue in operation. It is a very complex process which must be custom tailored to suit the needs of your specific business. The goal of Chapter 11 is to propose a plan of reorganization which allows the business to restructure secured debts, reduce the amount due to unsecured creditors, extend the length of loans, move to a better or cheaper location, liquidate or give back unneeded equipment and a host of other options for returning profitability to a struggling business. If the Plan of Reorganization receives the vote of enough creditors and is approved by the Court, the newly reorganized business continues operations as restructured through the Plan. As a board-certified business bankruptcy attorney, I bring my years of experience and expertise to guide you through this complex process.
Debt settlement - We can help you come up with a comprehensive plan to reduce your overall or eliminate debt. Our attorneys will explore all your bankruptcy and non-bankruptcy options to come up with the most effective solution for your problem. We will inform you of all the pros and cons of working with a debt consolidation company. Debt consolidation companies often charge extremely high rates for their services and it can leave individuals with almost the same amount of debt they started out with. We will help you assess all the factors that will determine whether debt consolidation is the right option for you.
Foreclosure Prevention - If you are unable to make your mortgage payments, or have received a notice of foreclosure, you should contact an attorney immediately. We will work closely with you and figure out the most effective solution to stop foreclosure and repossession. One potential solution is filing a Chapter 13 bankruptcy claim which allows you to come up with a payment plan over 3-5 years and get caught up on your missed or late payments. Delaying legal action could result in losing your home or vehicle permanently.
Repossession - If your automobile is facing repossession or has already been repossessed, we can help you avoid repossession or get your vehicle back.You may be eligible to file for Chapter 13 Bankruptcy, which would allow you to come up with a payment plan to catch up on your payments over a period of 3-5 years. Filing a Chapter 13 Bankruptcy will almost always help lower your monthly vehicle payments.
Repossession - If your automobile is facing repossession or has already been repossessed, we can help you avoid repossession or get your vehicle back.You may be eligible to file for Chapter 13 Bankruptcy, which would allow you to come up with a payment plan to catch up on your payments over a period of 3-5 years. Filing a Chapter 13 Bankruptcy will almost always help lower your monthly vehicle payments.
Debt settlement - is a practice that allows you to pay a lump sum that's typically less than the amount you owe to resolve, or "settle“, your debt. It's a service that's typically offered by third-party companies that claim to reduce your debt by negotiating a settlement with your creditor.
Wage Garnishment - Bank Levy and or a Lawsuit - If your wages or assets have been garnished or levied to pay a judgment, you have rights. You may be able to oppose the garnishment / levy. You may even be able to get back previously garnished or seized funds. But, you need to act quickly to stop a garnishment or get back previously seized funds.
I am a certified Consumer bankruptcy specialist by the California Board of Legal Specialization. Each form of bankruptcy operates on strict legal requirements. Any errors can stop a filing in its tracks or result in unexpected changes ordered by bankruptcy courts. I am a board certified bankruptcy specialist who has the skills and experience to help find the right solutions and address all details needed to help you work toward financial freedom. By the end of your free consultation, you can gain a clear understanding of whether bankruptcy or another solution is right for you—and exactly what to do next. Call me at (818) 796-3529, send an email, my team is here to help you get through this difficult time. The consultation is FREE.
Wage Garnishment - Bank Levy and or a Lawsuit - If your wages or assets have been garnished or levied to pay a judgment, you have rights. You may be able to oppose the garnishment / levy. You may even be able to get back previously garnished or seized funds. But, you need to act quickly to stop a garnishment or get back previously seized funds.
I am a certified Consumer bankruptcy specialist by the California Board of Legal Specialization. Each form of bankruptcy operates on strict legal requirements. Any errors can stop a filing in its tracks or result in unexpected changes ordered by bankruptcy courts. I am a board certified bankruptcy specialist who has the skills and experience to help find the right solutions and address all details needed to help you work toward financial freedom. By the end of your free consultation, you can gain a clear understanding of whether bankruptcy or another solution is right for you—and exactly what to do next. Call me at (818) 796-3529, send an email, my team is here to help you get through this difficult time. The consultation is FREE.