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CLIENT-FOCUSED BANKRUPTCY REPRESENTATION
If you have debts you cannot repay, are struggling to pay your rent or mortgage, or are being harassed by bill collectors, bankruptcy may be a good solution. Bankruptcy can reduce or eliminate your debts and stop bill collectors from contacting you at home and work.
Bankruptcy is not a moral failing—it simply means you owe more than you can afford to pay.
Hundreds of thousands of people ﬁle for bankruptcy in the U.S. every year. Even some of the most famous celebrities have ﬁled for bankruptcy, many of whom went on to recover ﬁnancially and earn great wealth.
We experts at the Law Ofﬁces of Kevin T. Simon, APC, can help you determine whether bankruptcy might be a good solution for you. Our affordable bankruptcy attorneys in Los Angeles have decades of combined expertise, and we’ve helped thousands of clients regain control of their ﬁnances and achieve peace of mind.
Call our law ofﬁce today to speak directly with Kevin Simon, an expert bankruptcy attorney in Los Angeles. You can also text Kevin at: (747) 230-9779.
Affordable Bankruptcy Assistance
Whatever ﬁnancial situation you’re in, our law ﬁrm can help. With decades of combined experience, we’re committed to using our extensive knowledge and superior legal skills to help you get ﬁnancial relief. We strive to make our services affordable, because we know the last thing you need to worry about is legal costs and fees. You can text Kevin at: (747) 230-9779.
Why Hire Our Firm?
Our team has more than 45 years of combined consumer bankruptcy experience, and we have successfully represented thousands of clients in Southern California. Our mission is to help individuals and small businesses ﬁnd debt relief and mortgage solutions that provide ﬁnancial breathing room, so they can get a fresh start.
We are experts in Chapter 7 and 13 Bankruptcy, offering both bankruptcy and non-bankruptcy solutions. We help our clients understand how bankruptcy affects both secured and unsecured debt, the consequences of ﬁling for bankruptcy, how to improve your credit post bankruptcy, and more.
Our team offers big-ﬁrm expertise at affordable rates. We’re committed to helping everyday consumers and small businesses who—unlike ultra-wealthy individuals and giant corporations—have limited ﬁnancial resources. Call our bankruptcy lawyer in Woodland Hills for a free consultation.
CHAPTER 7 BANKRUPTCY
Sometimes referred to as “fresh start bankruptcy,” Chapter 7 bankruptcy provides relief from credit card debt, personal loans, medical bills, payday loans, old state and federal taxes, car repossessions, and more.
Chapter 7 allows you to eliminate certain debts and receive a ﬁnancial fresh start. Common reasons for ﬁling Chapter 7 bankruptcy include divorce, medical expenses, unemployment, tax debt, sickness, overextended credit, and other unexpected life events.
CHAPTER 13 BANKRUPTCY
Also known as a reorganization or wage earner bankruptcy, Chapter 13 bankruptcy may be the better option for people who are behind on their mortgage payments, car payments, property taxes, income taxes, and more.
Chapter 13 allows people to pay off their debts over a period of 3 to 5 years, through an affordable repayment plan to catch up on past debts, without the fear of losing any assets like property.
Our Commitment to Supporting Clients
We attorneys and staff at the Law Ofﬁces of Kevin T. Simon, APC, take a personalized approach to helping clients. We take the time to understand your situation and explore all your options.
When you entrust us to represent you, we will develop a customized strategy based on your situation. And we will walk you through each aspect of your case, so you know exactly what to expect every step of the way.
We take a hand holding approach from the time we ﬁrst meet you until your case concludes. This is why most of our clients come from referrals from previous clients.
Whether you decide to ﬁle for bankruptcy or opt for a non-bankruptcy alternative, you can rest assured knowing you have skilled, experienced bankruptcy attorneys working on your behalf.
While bankruptcy can give you a fresh start, it’s not the right option for everyone. There are many things to consider
Talking to a professional can help. Contact our bankruptcy lawyer for a free consultation. We’ll help you determine if bankruptcy is the right option for you.
This depends on several factors, including your income and assets.
You should speak with an attorney about whether you qualify for bankruptcy and which option is best for your situation.
This is an important question, as most people don't know that this depends on which type of bankruptcy you will file and what you have filed before. Here's some information on what is known as the 2-4-6-8 rule:
(1) If you want to file Chapter 13 after Chapter 13, it's two years from the date of filing the first Chapter 13
(2) If you want to file Chapter 7 after Chapter 7, it's eight years from the date of filing the first Chapter 7
(3) If you want to file Chapter 13 after Chapter 7, it's four years from the date of filing the Chapter 7
(4) If you want to file Chapter 7 after Chapter 13, it's six years from the date of filing the Chapter 13 (Exemption: if you paid 70% to unsecured creditors in the Chapter 13, then there is no time restriction)
There is a specific term given to filing Chapter 13 immediately after filing Chapter 7: Chapter 20 bankruptcy. The advantage to doing this is that this could give you the time you need to pay down your debt, however you will not receive a discharge since you are not waiting the full four years between Chapter 7 and Chapter 13.
Everyone needs transportation and a place to live. Thankfully, most people who file for Chapter 7 or Chapter 13 bankruptcy can keep their primary residence and vehicle. There are also ways to protect the equity in your home if you file for Chapter 7.
Our bankruptcy attorney in the San Fernando Valley can counsel you on all your options during a free, no-obligation consultation.
You’ve probably heard that filing for bankruptcy can lower your credit score. It does happen, but there are things you can do to rebuild your credit, including making your payments on time, avoiding accruing more debt, and developing good credit habits.
Our bankruptcy attorney in the San Fernando Valley can counsel you on how to improve your credit to a 700 within 2 years after your case is discharged.
You aren’t required to have an attorney, but bankruptcy laws are complex. An experienced Los Angeles bankruptcy lawyer can ensure your petition is legally and professionally completed and make sure your bankruptcy paperwork is correct. An attorney can also resolve disputes with creditors, the Bankruptcy Trustees and Judge.
Why Experience Matters
Deciding whether to ﬁle for bankruptcy is a big decision. You need a partner to guide you through the process. We bankruptcy attorneys at the Law Ofﬁces of Kevin T. Simon, APC, have the experience, resources, and legal skills to help you get the best outcome.
We’re a top consumer bankruptcy law ﬁrm committed to making a positive difference for our clients. We’ll guide you through any debt-related matter, including:
- Whether ﬁling for bankruptcy is the best option
- Whether non-bankruptcy options (such as debt negotiation or settlement) make more sense
- Which bankruptcy chapter to ﬁle
- How to protect you against harassment by creditors, wage garnishment, repossession, and liens.
Can You Trust Your Attorney?
Just because a person has the word “attorney” behind their name doesn’t mean they’re honest or can be trusted to look out for your best interest when ﬁling bankruptcy.
Follow these tips to ensure you choose the right attorney:
Make sure any attorney you consider working with has experience in Chapter 7 and Chapter 13 bankruptcy.
Meet with the attorney for at least 1 hour before deciding to retain them.
If during your visit you meet only with a paralegal and the attorney isn’t willing to sit down with you, move on; this is a red flag.
Ask family, friends, or other trusted professionals (such as your accountant) for a referral.
Ask the attorney to show you court dockets or cases they have ﬁled and look at the results.
Make sure everything is in writing when the attorney gives you a plan of action; if you don’t understand something, ask the attorney to explain it again or in a way that helps you understand.
If you don’t feel comfortable, you have the right to leave and ﬁnd an attorney you feel is more honest and forthright. Go with your gut. Do not allow yourself to rush into an agreement or sign anything you don’t understand.
If you’re struggling with debt, the Law Ofﬁces of Kevin T. Simon, APC can help you with low-cost bankruptcy in Los Angeles as well as non-bankruptcy solutions.
Financial freedom is possible. Let us help you ﬁnd the right solution. Call our ofﬁce to schedule your free consultation.
Woodland Hills, CA 91364
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