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Bankruptcy Attorney in Cerritos

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 20 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.

Our Reviews

Find Out the Best Option for Your Financial 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. 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 things like copying documents, obtaining credit reports, and downloading or printing forms.

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.

One Step Closer to
Financial Freedom

Are you ready to move forward? 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.

  • “Highly recommended! Thank you, Raymond!”


  • “Trustworthy and extremely helpful!”

    Avvo Reviewer

  • “"Even the judges give him 5 stars!"”


  • “He seemed to command the attention of the court with no effort. He is an absolute professional. I highly recommend him.”


  • “His service was exceptional.”


  • “Mr. Seo is the best lawyer out there and you can totally trust him.”


  • “When it came time for us to file our bankruptcy, we didn't hesitate. It was a hard situation but he made it so simple.”


  • “Very knowledgeable, attentive, and led my family through a difficult time.”

    Chapter 7 Client

  • “Thank you Raymond Seo for being so helpful and diligent, we are now free and cleared!”


  • “I would recommend him to anyone who asks about needing a BK lawyer.”

    Avvo Reviewer

Is bankruptcy right for you?

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.