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.

Should I File for Chapter 7?

Chapter 7 may be a viable debt relief option for you if:

  • You have accumulated excessive debt and are struggling to repay it
  • You have very little disposable income
  • You are willing to give up property and assets in order to repay lenders
  • You are facing constant harassment from creditors
  • You want a relatively quick and easy path to debt relief

Chapter 7 is by and large the most straightforward and fastest structure. It’s accessible to individuals, wedded couples, organizations, and associations. Speak with an attorney to help you determine if Chapter 7 is the right choice for you.

Debts That Chapter 7 Can Discharge

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.

Do I Qualify for Chapter 7?

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 Chapter 13 Over $75k in Mortgage Arrears Reorganized
  • Individual v. Credit Card Company (harassing phone calls) $175K settlement
  • Individual v. Credit Card Company (harassing phone calls) $250K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $150K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $300K Settlement
  • Individual Chapter 13 $100,000 of Unsecured Debt Discharged
  • Individual v. Credit Card Company (harassing phone calls) $100K Settlement
  • Individual v. Credit Card Company (harassing phone calls) $280K Settlement
  • Individual Chapter 7 Over $1 Million Debt Discharged
/

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
/

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.

Start Your Free Consultation Today

High Quality Representation for Your Legal Needs
  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.