Bankruptcy Attorney in Cerritos
Lighting Your Path on the Road to Recovery
Do you feel like you are drowning in debt? If the bills keep piling up, the collectors keep calling, and the thought of repaying creditors seems daunting to you, it is important that you speak with an attorney. At the Law Office of Raymond J. Seo, we understand that this can all seem highly overwhelming and that you may be feeling stressed about your financial situation.
When you retain our representation, you can be confident that your case will be in good hands. Our founding attorney, Mr. Raymond J. Seo, has 14 years of experience handling a variety of bankruptcy-related cases and he may be able to help you get debt relief as well. If you want to find out how he assisted past clients, you can
review their testimonials.
Find Out The Best Option For Your Situation
At the Law Office of Raymond J. Seo, we recommend the course of action that is best for your situation, whether that is bankruptcy or an alternative. Here are some of your possible options:
- Chapter 7 or Chapter 13 bankruptcy
- Debt litigation
- Debt settlement
- Loan modifications
We offer affordable debt relief.
No matter what you choose, you can trust that our team will provide honest counsel. Our goal is to offer cost-effective bankruptcy without compromising our high-quality services. Our prices are lower than many of our competitors, as we don't charge for actions like copying documents, obtaining credit reports, and downloading or printing forms.
Call (888) 488-8513 or fill out an online form to receive a free consultation!
The Benefits of Filing for Bankruptcy
Many people assume that bankruptcy is a last resort or something to be ashamed of; however, this is not the case. Filing for bankruptcy can provide many benefits, including obtaining a fresh start with your finances. When you work with our firm, we will begin by doing the following:
- thoroughly reviewing your financial situation
- discussing your goals
- helping you develop an effective plan of action for your case
We will help you determine your qualifications for bankruptcy and discuss which chapter may be right for you. If you have question or concerns, consult our firm's Cerritos bankruptcy lawyer as soon as possible.
Is bankruptcy right for you?
Hearing the word bankruptcy can cause a lot of unnecessary stress for people; however, filing for bankruptcy can actually be incredibly helpful for you. While there are alternatives to bankruptcy, filing under Chapter 7 or Chapter 13 may be the best choice.
Chapter 7: "Liquidation Bankruptcy"
When you work with the Law Office of Raymond J. Seo, we will work with you to conduct a bankruptcy means test, which helps determine your eligibility to file for
Chapter 7 bankruptcy. People who are eligible can begin to eliminate debt immediately and stop pesky
creditor harassment calls.
Chapter 7 bankruptcy is known as liquidation bankruptcy because, in this process, all non-exempt items will be sold to repay creditors. Find a list of all exempt items on our bankruptcy exemptions page! If your disposable income is determined by a means test to be too high to file for Chapter 7 bankruptcy, you can still benefit from bankruptcy by filing under Chapter 13.
Chapter 13: "Reorganization Bankruptcy"
In Chapter 13 bankruptcy, you can still receive all of the benefits of discharging and eliminating debt without having to sell assets and property. When you file for Chapter 13, you can save your home from foreclosure, stop creditors' collection attempts, and still retain your property. Unlike liquidation bankruptcy, Chapter 13 allows you to repay your debts over time - usually within about 5 years of your file date.
Any debts that are remaining after your allotted payment plan is completed could potentially be discharged by a court. When debts are discharged, you will no longer be responsible for repaying them. Either of these bankruptcy options may be right for you, so it is important that you contact an attorney to discuss your situation before filing.
Chapter 11: Business Bankruptcy
If your business is in debt, then you should file for Chapter 11 bankruptcy. This type of bankruptcy allows partnerships, limited liability companies, and corporations to restructure their debt while still staying operational. Small business may be eligible to get special provisions, so make sure to ask Attorney Seo about your case!
Other Debt Issues We Handle
In addition to bankruptcy, our office also handles other debt issues, including:
Obtain Your Free Case Evaluation
Are you ready to move forward with your case? Gaining control of your life and financial situation is important. If you have questions or concerns about your situation, do not hesitate to contact the Law Office of Raymond J. Seo right away.
We will guide you throughout the bankruptcy process and assist you with planning for life after bankruptcy. Our firm can offer you information on rebuilding your credit and creating healthy spending habits. We encourage all questions to be directed to Attorney Seo and our staff as soon as possible. You can also visit our
resources page for more information.
Get started today by completing a free case evaluation form now! Once the form is submitted, a representative from our firm will be in touch with you shortly.