Bankruptcy isn't failure — it's a legal tool the law gives you, the same one corporations use without blinking. Flat fees, honest advice, and a filing strategy built around what you need to protect.
From the first consultation through discharge, you know the full attorney fee before we file.
Wipes out credit cards, medical debt, and personal loans, typically in 3–4 months. For individuals and families who need out.
Restructures debt into a 3–5 year plan while stopping foreclosure and protecting your home and car.
Keeps a small business alive while it reorganizes — the tool big companies have always used, sized for Main Street.
Orderly wind-down of a business that's done, handled so owners can move on clean.
Defense when a creditor or trustee challenges your discharge or claims fraud.
Filing strategy to stop wage garnishments, levies, and foreclosure sales — sometimes within days.
Every engagement is a flat fee in writing — no hourly billing, no retainers, no surprise invoices. You pay once by ACH or card when you sign, and you know exactly what each phase costs before it begins. Serving Los Angeles, Orange, San Diego, Riverside, San Bernardino, and Ventura counties.
Typical Southern California attorney fees run $1,800–$2,500 for Chapter 7 and $4,000–$5,000 for Chapter 13. Our flat fees are quoted in writing at your free case review — one price, paid once, no hourly billing.
Usually not. California's homestead exemption protects substantial home equity, and Chapter 13 exists specifically to stop foreclosure and catch up arrears. The free case review maps out exactly what's protected.
The moment your petition is filed, the automatic stay stops garnishments, levies, lawsuits, and collection calls — by federal law. In emergencies we can file within days.
Less bad than years of missed payments and judgments. Most Chapter 7 filers see scores recover within 12–24 months, and many qualify for car loans and credit cards far sooner than they expect.