Practice Areas
We can assist you with matters of debt relief, employment law, and personal injury. Whether you are struggling to retake control of your financial future, have been injured in a catastrophic car accident, or have been wrongfully terminated, we can provide you with the comprehensive and capable representation you deserve.
Our firm is proud to provide hands-on services designed to accommodate your busy schedule. We strive to be accessible as possible and will work tirelessly to meet your specific needs. You will work directly with a caring lawyer throughout our handling of your case, and we will do everything possible to secure the best possible outcome.
Schedule a free phone consultation by calling/texting (747) 477-4408 or send an email to karine@kelawfirm.com. We offer our legal services in English, Spanish, Armenian, French, and Arabic.
Bankruptcy and Debt Settlement
If you are drowning in debt, we can provide the guidance and support you need to achieve a fresh start. Bankruptcy helps many debtors eliminate unsecured debt and stop damaging collection actions, including lawsuits, foreclosures, repossessions, and wage garnishments.
In a Chapter 7 bankruptcy, you will liquidate – or sell – non-exempt assets to partially repay creditors. However, you can exempt many types of property, and many filers end up keeping their homes, cars, jewelry, and other valuable assets. You will only qualify for Chapter 7 relief if you can pass the California Means Test, which evaluates your current household income.
Chapter 13 bankruptcy involves reorganizing your finances and consolidating all debts into a single monthly payment. The amount you will need to pay each month is tied to what you can currently afford, and you will make these payments over a period of 3 to 5 years.
Bankruptcy is not necessarily the right choice for everyone.
We can also work directly with your creditors to negotiate debt settlements. This strategy may allow you to settle your debts for a fraction of what you owe.
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