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Find the Right Bankruptcy Solution
Chapter 7 Bankruptcy – A Fresh Start
Chapter 7 bankruptcy, also called straight bankruptcy or liquidation bankruptcy, is the most common choice for individuals facing overwhelming debt.
This option allows you to discharge most unsecured debts—such as credit cards, medical bills, and personal loans—giving you a clean financial slate. To qualify, you must meet specific income requirements.
If your only income comes from Social Security, veterans’ benefits, or similarly protected sources, you may already be eligible to file.
Chapter 13 Bankruptcy – Protect What Matters
If you don’t qualify for Chapter 7 due to higher income, or if you have debts like mortgage arrears, tax debt, or car loans, Chapter 13 bankruptcy may be the better solution.
This option lets you restructure your debts into a 3 to 5-year repayment plan under the supervision of the Federal Bankruptcy Court. Unlike traditional debt consolidation, creditors are legally required to follow your court-approved plan—even if they don’t agree.
Chapter 13 is ideal for individuals who want to keep their home, stop foreclosure, or protect valuable assets while catching up on past-due accounts.
Serving Temecula, Murrieta & Surrounding Areas
If you're struggling with debt in Temecula, Murrieta, or nearby cities, I’m here to guide you through the process with clarity and compassion.
Call 951-200-3613 today to schedule a consultation and take the first step toward financial freedom.
Overview of Legal Services
✅ What I DO (case-by-case):
- Handle Chapter 7 and Chapter 13 bankruptcy
- Work with individuals earning up to $72,000 (or more depending on the circumstances)
- Help families earning up to $110,000
(or more depending on the circumstances)
- Take cases with home equity up to $550,000
- Tax debt is okay, but there is no guarantee your taxes will be discharged
- Sole Proprietorships and LLCs are ok
- I offer payment plans and then your case gets filed after you complete the payment plan
- If your income is solely social security or VA benefits or both you may not need to file (call to discuss)
❌ What I DON’T do:
- File motions to avoid liens
- Handle sales tax debt
- S or C corporation bankruptcies (often you don't need a corporate bankruptcy so please call to discuss)
- Chapter 11 cases
- Take on bankruptcy lawsuits, or litigation