chapter 7 bankruptcy lawyer los angeles

What services do you offer?

Our practice focuses on providing consumers with debt relief and representing aggrieved employees who have had their workers’ rights violated. Our areas of practice include:
o Chapter 7 Bankruptcy: this is often the least expensive and quickest option. You have to qualify based on income and assets.
o Chapter 13 Bankruptcy: if you’re able to pay back at least a portion of the debts that you owe and make too much for a Chapter 7 bankruptcy, or have too much equity to protect in a Chapter 7, Chapter 13 bankruptcy may be another option. Chapter 13 is a 3-5 year repayment plan where you pay back a certain portion of your debt. It is a good way to save your home from foreclosure, catch up on tax debt, and remove second/third liens from property in certain cases.
o Debt Settlement: this is a non-bankruptcy alternative for those who make too much money to qualify for a Chapter 7, have too much in unexempt assets to qualify for a Chapter 7, would be in a high repayment plan in a Chapter 13, or simply wish to avoid bankruptcy. For more information, please call us for a complimentary phone consultation.
o Wrongful termination
o Employment discrimination
o Retaliation
o Sexual harassment
o Failure to accommodate
o Misclassification
o Unpaid wages
o Unpaid rest breaks

Do you charge for consultations?

We offer consultations free of charge via phone or video-conferencing. We also offer free consultations in person on a case by case basis. Please give us a call, send us an email at contact@kelawfirm.com, or send us a text message at (747)477-4408 to set up a consultation.

Where are you located?

We have offices throughout Southern California for your convenience. We can meet you at our main office in Van Nuys/San Fernando Valley, or our satellite offices in Glendale/Los Angeles, Anaheim/Orange County, and Irvine/Orange County.

What if I can’t make it to during typical law office hours?

We realize that most of our clients lead busy lives and work during typical law firm hours. We are dedicated to helping you get a fresh start and make the process as easy as possible for you. Just email us or give us a call and we will gladly arrange an appointment time that is convenient for you, whether it’s early morning, late evening, or on a weekend. If we don’t have an office near you, we can meet you at your home or a local coffee shop if you prefer (coffee on us!). We also offer telephonic and video appointments.

Do you allow walk-ins?

Unfortunately, we don’t accept walk-ins. Our office, however, offers very flexible appointments that will cater to your schedule, whether it be in our service areas or elsewhere.

What will the legal service cost?

We encourage a frank, open discussion about our fees with each client at the time of the first interview. The court filing fee for Chapter 7 is $335 and court filing fee for Chapter 13 is $310 as of September 2020. The attorney fee varies based on the complexity of your case. For debt settlement cases, there are no up front fees and no fees if the account does not get settled. For employment cases, there is no fee unless we prevail. Attorney Karine Karadjian will be able to quote you a fee during your consultation.

How do I get started?

Contact us! You can call us at (323) 426-8300, (949) 565-4707 or (818) 960-6460. If you prefer to text an appointment request, please do so at (747)477-4408. You can also reach us via email at contact@kelawfirm.com

Can I keep my tax refund in a Chapter 7?

In most cases, yes. California offers generous exemptions under CCP which allow us to exempt most of your personal property.

Can I keep my car in a Chapter 7?

In most cases, yes. California offers generous exemptions under CCP which allow us to exempt most of your personal property.

Can I keep my house in a Chapter 7?

This will depend on how much equity you have. California CCP allows us to exempt or protect up to $75,000 for individuals, $100,000 for married couples or head of household, and $175,000 for the elderly/retired in equity. As of September 2020, there is a high possibility that a new law may pass to significantly raise these exemptions. We will update our website as more information becomes available. It is imperative to contact a knowledgeable and experienced bankruptcy attorney to discuss your specific situation and whether your home can be protected if you file a Chapter 7. The attorney will analyze your specific situation, which protections you qualify for, and discuss all your options with you.

I read that a Chapter 7 remains on your credit report for 10 years. Does this mean I won’t have credit for 10 years?

No! A lot of our clients start receiving credit card offers shortly after their discharge. It is possible to rebuild credit after a bankruptcy. It will not be a quick process, but it will not be a 10 year process either. Most mortgage lenders will consider a person for home loan qualifications approximately 4-5 years after discharge. For vehicle loans that timeline is shorter. This of course depends on how responsibly you rebuild your credit and what your income will be at the time you are ready for vehicle or mortgage loans.

What rights do I have as an employee in California?

A lot of them! Various California labor code sections are designed to protect your rights to meal breaks, rest breaks, proper compensation for overtime, and various other protections. The Fair Employment and Housing Act protects your employer from discriminating against you based on your sex, sexual orientation, race, national origin, age (if over 40), religion, physical or mental disability, pregnancy, childbirth, etc. It also protects you from retaliation in certain situations. If you have been discriminated against by your employer, retaliated against by your employer, or wrongfully terminated, give us a call to discuss your options.