Bankruptcy Helping You Live a Debt Free Life

Riverside Bankruptcy Lawyers

Guiding Clients to a Better Financial Future

If you have issues with debts and taxes and you definitely know that you need help with paying your debts because it’s gotten out of control, then you may want to consider hiring someone who can help you file for a Chapter 11 or a Chapter 13. With such a high-stakes matter, you want to hire some of the top bankruptcy lawyers in Riverside. Look no further than SM Law Group, APC. Our team has helped countless individuals and families get out of debt and are available to provide you with options during this difficult time.

Our team offer free consultations and payment plans for those facing bankruptcy. Contact us online or call us at (818) 805-1758 today. We’re proud to help businesses get back on their feet.

A Team of Bankruptcy Advocates

The SM Law Group, APC team is comprised of John Sarai and Kian Mottahedeh, partners with the firm. Their practice is located conveniently at 3890 11th Street, 1st floor, Suite 110, in Riverside, California. The benefits to utilizing our team are that you can rest assured knowing that if you have an overwhelming amount of debt you can’t sort through yourself, our team can approach your situation from various angles and provide you with options. We can file for bankruptcy on your behalf and put a stop to creditor calls and harassment.

Can I Benefit from Filing for Bankruptcy?

Because our team focuses on different types of bankruptcy, we can help you to better understand Chapter 7 and Chapter 13 options. If you choose Chapter 7, you may find that this wipes out all of your unsecured debt. It also helps to put a stop to harassing calls from creditors right away.

This can be beneficial for someone who may have a problem where they had:

  • A sickness or sudden hospitalization
  • A job loss or drop in work hours
  • Financial hardship
  • A separation or divorce
  • A death of a spouse taking away your primary source of income

When you file for Chapter 13, this is a little bit different in that you are going to be restructuring your payments. This will give you a grace period stretched out over a few years so you can pay your creditors back over three to five years.

How a Bankruptcy Attorney Can Help

Bankruptcy can be complicated, even for the most simple of Chapter 7 cases. Although you don't necessarily need to hire an attorney to file for bankruptcy, it is recommended to help maximize your chances of an effective bankruptcy filing that protects your best interests.

A bankruptcy lawyer can guide you through the entire process, including:

  • Helping you decide between Chapter 7 or Chapter 13
  • Educating you on what debts can be discharged and what you can keep
  • Filing your bankruptcy petition with the required paperwork
  • Representing you in creditor hearings
  • Taking action on your behalf in the event of creditor abuse

Your attorney knows the laws and the most effective way to navigate the bankruptcy process, which can save you on time and stress.

Mortgage Issues & Foreclosures

If you are struggling with your mortgage and you’re facing foreclosure, our team can help. You may have options as it relates to filing for Chapter 13. We may ask you about the value of your home – if it’s less than the amount that’s owed on the actual first mortgage, you may be able to get this tied into your Chapter 13.

Bankruptcy is not something that you want to take lightly – it’s something that you have to consider, and you need to speak to an attorney to understand this particular type of process and all that it entails.

Break Free from Your Debt & Start Fresh

Sometimes you need a fresh start, and a lot of people don’t realize that by filing for Chapter 7 or 13, this actually gives you a way to have your creditors stop coming after you for the particular debt that you owe. When you file a Chapter 7, you have an opportunity to rebuild your credit, even if it will take a hit initially.

Some people who consider bankruptcy as an option may find that not only are they able to get back on track, but they’re able to:

  • File for new credit cards and get approvals
  • Get new car loans
  • Apply for home loans usually after about two years

Bankruptcy should not be a cheap way to file so you can have your debts eliminated because you just don’t want to pay. Rather, bankruptcy is to be used as an emergency resource if you don’t have the option, or any other viable alternative with which to pay your bills.

Helping Debtors Pursue Financial Freedom

Our practice is about helping people and businesses to be able to deal with debt negotiations or bankruptcies to ensure that they have a voice and representation. Contact us today so we can discuss your options. No one wants to feel alone or like they don’t have answers when they have debts beyond their control. That’s why we’re here for you.

For compassionate legal representation, call (818) 805-1758 to reach our Riverside bankruptcy attorneys. We’ve guided countless clients to the other side and can provide you with the same service.

Get a Fresh Start & Wipe Away All Your Debt

See Our Winning Case Results
  • Individual v. Credit Card Company (harassing phone calls) $150K Settlement
  • Individual Chapter 7 Over $1 Million Debt Discharged
  • Individual v. Credit Card Company (harassing phone calls) $250K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $175K settlement
  • Small Business Chapter 7 Over $2 Million Debt Discharged
  • Individual Chapter 13 Over $75k in Mortgage Arrears Reorganized
  • Individual v. Credit Card Company (harassing phone calls) $100K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $300K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $100K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $280K Settlement
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Client Reviews

Hear From The People We've Helped
  • I would recommend them to anyone.

    “Very professional. Even when the defending insurance company tried to drag out the procedure and lowball the payment, the attorneys at SM would always push forward in order to get me the highest ...”

    - Joshua N.
  • Great working with you guys!!

    “I'll contact you guys again if I need help with anything else. Much appreciated all the help from everyone at your office. Thanks!”

    - Hermes P.
  • They were awesome and spent time with me over the phone and answered my questions.

    “I had some legal questions and I gave them a call. They were awesome and spent time with me over the phone and answered my questions. With all this Covid stuff I didn't need to even go into their ...”

    - Shawn M.
  • I can finally say that someone helped me get justice.

    “John as helped me with multiple matters. I can confidently say that he was the easiest and best lawyer I could of asked for. He is a professional when it comes to maximizing settlements and getting ...”

    - Eddie S.
  • I was extremely happy and satisfied with my settlement and outcome of my case.

    “My personal injury attorney was Kian Mottahedeh. He was extremely professional, and he was always available whenever I had a question or concern. Both of his legal assistants, Esmeralda and Genesis, ...”

    - Dan N.
  • Thank you, Kian, for your professionalism and expertise!

    “During the most difficult time SM Law walked me through every step and got me an amazing settlement. Thank you, Kian for your professionalism and expertise! I highly recommend SM Law!”

    - Nathan N.
  • The absolute best when it comes to handling bankruptcy!

    “They do not pass any judgment upon you - they are simply there to help. I found them to be honest, reliable and timely. The support staff is extremely friendly and very informative. The lawyers have ...”

    - Anna G.
  • John and the representative who met me at the courthouse were very thorough and guided me every step of the process.

    “Thank you John Sarai and the rest of SM Law Group for helping me file my Bankruptcy Chapter 7 case. It was a smooth process. John and the representative who met me at the courthouse were very thorough ...”

    - Evitha B.
  • They made a very stressful situation much easier for me.

    “SM law group handled my bankruptcy case and I was very satisfied with their service. They made a very stressful situation much easier for me. They explained everything to me and it was fast and ...”

    - Lenny DcComics
  • I have never experienced more professional care. My phone calls and emails were answered within 5 minutes!

    “Absolutely outstanding experience! Kian Mottahedeh was my attorney. I have never experienced more professional care. My phone calls and emails were answered within 5 minutes every single time. Kian is ...”

    - Lenka Wallace
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In The News

Recent Feature in The Los Angeles Daily Journal

Learn more about the work that is captured in the news. Our team is recognized in our community and among our peers for our tireless devotion to clients facing bankruptcy and personal injury-related matters.

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