Chapter 7 Helping You Live a Debt Free Life

Riverside Chapter 7 Bankruptcy Lawyers

Learn How to Protect Your Assets Today

If you are considering filing for bankruptcy to get out of debt, then it is important you take the time to meet with an experienced bankruptcy lawyer. At SM Law Group, APC, we understand that facing foreclosure and debt collectors can be a difficult dilemma, which is why our bankruptcy lawyers are here to guide you step by step to make sure you avoid costly mistakes.

Chapter 7 Bankruptcy Explained

There are a few categories of bankruptcy, and Chapter 7 is by and large the most straightforward and fastest structure. It’s accessible to individuals, wedded couples, organizations, and associations.

Chapter 7 bankruptcy, also known as liquidation bankruptcy and straight bankruptcy, can wipe out debts like credit cards, medical bills, and personal loans. Certain individual resources are also secured in Chapter 7. For example, you can retain a certain level of value in your home, as well as vehicles and belongings.

To determine if you qualify for Chapter 7 bankruptcy, the court will use a procedure called the Means Test to compare your income and expenses to the average income and expenses of residents in your area. If your income and expenses exceed the average, then you won’t qualify for Chapter 7 bankruptcy. Our compassionate legal team is available to take the time to speak to you about the specific details of your case and review all of your finances so we can determine which bankruptcy option is right for you.

Will Chapter 7 Bankruptcy Stop Foreclosure?

Filing for Chapter 7 will temporarily halt the foreclosure process. When you file for Chapter 7, lenders can’t foreclose on your property until they obtain an order from the bankruptcy court, or until your case is closed. This can give you additional time to try to get your finances back in order so you can save your home. If saving your home from foreclosure isn’t your top priority, then you can file for Chapter 7 to prevent a second mortgage lender from trying to collect a deficiency after your home has been foreclosed.

Proudly Fighting for Clients in Riverside

Our bankruptcy lawyers at SM Law Group know that California’s bankruptcy laws are complex and difficult to understand. That is why we provide reliable, top-notch legal services to tackle a wide variety of bankruptcy matters on behalf of our clients. If filing for bankruptcy is stressing you out, please reach out to our knowledgeable attorneys so we can ensure your best interests are protected.

To set up your free case consultation with a member of our legal team, call (818) 805-1758 today.

Get a Fresh Start & Wipe Away All Your Debt

See Our Winning Case Results
  • Individual v. Credit Card Company (harassing phone calls) $100K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $250K Settlement
  • Individual Chapter 13 Over $75k in Mortgage Arrears Reorganized
  • Individual v. Credit Card Company (harassing phone calls) $175K settlement
  • Small Business Chapter 7 Over $2 Million Debt Discharged
  • Individual Chapter 13 $100,000 of Unsecured Debt Discharged
  • Individual v. Credit Card Company (harassing phone calls) $280K Settlement
  • Individual Chapter 7 Over $1 Million Debt Discharged
  • Individual v. Credit Card Company (harassing phone calls) $100K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $150K Settlement
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Client Reviews

Hear From The People We've Helped
  • 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
  • In the end he got me a settlement for the maximum policy limit which was triple what I expected!!!!! Thank you John!

    “I got into an accident and I called John at SM Law Group and I felt comfortable from the minute I talked to him. He was always available to talk, and didn't pass my case off to anyone else. He handled ...”

    - Negin B.
  • He allowed me time and opportunity to get my bankruptcy paid for and took care of the creditors - for that I am truly grateful.

    “I am truly thankful that I found Kian. He is a truly good person to work with. He allowed me time and opportunity to get my bankruptcy paid for and took care of the creditors - for that I am truly ...”

    - Kera Carter
  • Kian is an awesome lawyer. He helped me get through my bankruptcy.

    “Kian is an awesome lawyer. He helped me get through my bankruptcy. He is easy to talk to and patient in answering all the questions you might have. I would definitely recommend him to anyone that ...”

    - Gonzalo Ceja Canela
  • The attorneys were friendly and helpful and they responded to my emails within minutes.

    “My experience with SM Law Group was very positive. The attorneys were friendly and helpful and they responded to my emails within minutes. I would definitely recommend them to anyone who needs a ...”

    - DeEtta Copenhaver
  • Fantastic firm!!!! trustworthy, reliable, knowledgeable and always available to help.

    “Fantastic firm!!!! trustworthy, reliable, knowledgeable and always available to help. My sister and I were given the opportunity to meet this wonderful firm while they volunteered at one of the ...”

    - Teresa Aguilar Alcaraz
  • My experience with SM Law Group has been excellent.

    “My experience with SM Law Group has been excellent. My attorney was always helpful, friendly and honest with me about what I needed to do and how I needed to proceed through my bankruptcy. I just ...”

    - Wayne Roche
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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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