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Best Bankruptcy Attorneys in Mission Viejo

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Bienert | Katzman logo
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Bienert | Katzman

903 Calle Amanecer, San Clemente, CA 92673
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  • Debt Settlement

Business Description

Bienert Katzman Littrell Williams LLP is a law firm based in the Mission Viejo metro which offers services in the areas of white-collar criminal defense, complex civil litigation, and bankruptcy and restructuring. The bankruptcy law firm provides representation to debtors, lenders, creditor's committees, and various other parties involved in simple to complex bankruptcy cases. It offers legal services such as asset recovery investigations, avoidance actions, expert witness engagements, and out-of-court debt relief solutions to clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)
Avvo
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
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Doan Law Group logo
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Doan Law Group

25401 Cabot Road, Laguna Hills, CA 92653
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Serving the Mission Viejo area, the Doan Law Group is a family-run bankruptcy law firm. It provides legal representation to clients who are struggling with their finances and considering filing for bankruptcy. The firm's attorneys are experienced in handling chapters 7 and 13 of the US Bankruptcy Code as well as non-bankruptcy options such as budget restructuring and debt settlement. They are committed to creating a solution that best suits the client's unique needs and circumstances.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
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Detail
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Fenn Law Firm logo
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Fenn Law Firm

29222 Rancho Viejo Road, San Juan Capistrano, CA 92675
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  • Chapter 7 Bankruptcy

Business Description

The Fenn Law Firm is a bankruptcy law firm that helps protect clients in the Riverside, Camarillo, San Juan Capistrano, and Mission Viejo areas. The law firm focuses primarily on Chapter 7 bankruptcy to legally discharge its clients from repaying unsecured debt. The Fenn Law Firm also helps debtors keep most of their assets, including their cars, homes, and retirement accounts. Its founder, Brian C. Fenn, also has experience in other practice areas, such as employment and criminal law.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
4.5 / 5 (10)
Lake Forest Bankruptcy logo
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Lake Forest Bankruptcy

26632 Towne Centre #300, Foothill Ranch, CA 92610
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Lake Forest Bankruptcy focuses mainly on helping clients with bankruptcy relief and insolvency issues in the Laguna Hills and Mission Viejo areas. The bankruptcy law firm is a debt relief agency that helps clients file for bankruptcy relief under the US bankruptcy code. The practice areas of the law firm are bankruptcy, bankruptcy litigation, and collection defense. Additionally, the law firm protects the interests of its clients and defends them against civil actions brought about by the creditor.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Avvo
4.8 / 5 (33)
Yelp
4.5 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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Friendliness
Helpfulness
Detail
––
The Gibbs Law Firm logo
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The Gibbs Law Firm

903 Calle Amanecer, San Clemente, CA 92673
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Gibbs Law Firm has offered legal representation in and around Mission Viejo since 1974. The bankruptcy lawyers of the firm can help individuals and businesses going through insolvency declare bankruptcy. After a client assesses their debts in comparison to their resources, they may seek help from the firm to declare a Chapter 7 bankruptcy to liquidate their assets or a Chapter 13 bankruptcy to reorganize their debts. The Gibbs Law Firm is an active member of the National Association of Consumer Bankruptcy Attorneys.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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The Law Office of Gary Polston logo
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The Law Office of Gary Polston

15635 Alton Parkway, Irvine, CA 92618
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Office of Gary Polston has a team of bankruptcy lawyers helping clients with chapter 7 and chapter 13 filings and proceedings in Missions Viejo. They assist with chapter 7 bankruptcies for those who qualify for the discharging of unsecured debts and liquidation of assets. They also help clients who want to repay their debts through a repayment plan in a chapter 13 bankruptcy. Aside from bankruptcy, they also handle criminal law and estate planning.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (67)
Avvo
5.0 / 5 (30)
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Vigil Law Group logo
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Vigil Law Group

27201 Puerta Real, Mission Viejo, CA 92691
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Based in Mission Viejo, Vigil Law Group is focused on various ways of ensuring the protection of clients' rights in bankruptcy procedures. The bankruptcy law firm guides clients through procedures such as liquidation, repayment plans, debt restructuring, and elimination of unsecured debts such as credit card items to prevent forfeiture of valuable assets. Vigil Law Group also handles matters related to wage garnishments, bank levies, and other forms of debt collection. The firm is headed by Anthony B. Vigil, Esq., who has over seven years of experience leading his own practice.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (27)
Yelp
5.0 / 5 (13)
Avvo
5.0 / 5 (5)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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