LAW OFFICES OF                                                                                                                                                   For assistance, please call:
    KATHY T. LUONG, ESQ.                                                                                                             (714) 590-3738 or (800) 298-4098

In today’s economy, more individuals are finding themselves in financial crisis. Whatever the reason you find yourself in debt – loss of employment, medical bills, the birth of a child, divorce – we can help you get a fresh start. At the initial consultation, we will evaluate your case and determine what options are available to you, including Chapter 7 Bankruptcy and Debt Settlement.

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy, also known as “liquidation bankruptcy,” is where the debtor receives a discharge and their debts are extinguished. Most individuals who file Chapter 7 Bankruptcy in California are allowed to keep all their assets, thanks to California’s bankruptcy exemptions.* Debtors are entitled to claim their assets exempt, up to certain amounts, from seizure by the Bankruptcy Trustee. Therefore, the proper claiming of the appropriate exemptions in Chapter 7 Bankruptcy is extremely important. Our firm is experienced and knowledgeable with the United States Bankruptcy Code, local bankruptcy rules, and the California bankruptcy exemptions and will make sure that none of your assets are left unprotected.

By choosing to file Chapter 7 Bankruptcy, our firm can immediately help you:

- Stop Home Foreclosures
- Stop Debt Collections
- Stop Wage Garnishments
- Prevent Auto Repossessions
- Stop Lawsuits
- Stop Harassing Phone Calls
- Stop Harassing Letters
- Restore Peace of Mind

Debt Settlement

For individuals who do not qualify for Bankruptcy or who are reluctant to filing Bankruptcy, Debt Settlement may be a better alternative to resolve their debt.

Debt Settlement is the process of negotiating an outstanding debt for an amount that is less than the original amount owed. Our firm has been very successful at settling our clients’ debt, sometimes reducing a debt by 70%*. Unlike debt settlement companies that employ non-attorneys, a licensed attorney at our firm will work directly with the creditor to settle your debt for considerably less. One benefit of hiring our firm to settle your debt rather than attempting to do it yourself is that we are very familiar with the process and therefore may be able to negotiate a settlement far less than you will be able to. If Bankruptcy is not right for you, consider working with an experienced professional to eliminate your debt.

*The outcome of your case may vary from that of any other representation undertaken by our firm, and any discussion of prior results on this website does not guarantee a similar outcome.