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Bankruptcy Attorney in Seal Beach

Drowning in debt? Speak with a seasoned attorney about your options. At the Law Office of Raymond J. Seo, we can take a look at your financial situation and recommend the best course of action.

Here are the common ways that you can get a fresh start:

When you come in for your free case evaluation, we can explain each option and which one would most benefit your case. Contact us today to schedule your consultation!

High-Quality Service at an Affordable Price

If you are looking for cost-effective bankruptcy, then you've come to the right place. Our firm works hard to keep prices low while still maintaining the utmost professionalism. We don't charge for making copies, getting credit reports, downloading forms, and other minor actions like our competitors, as we understand you are already in a tight spot.

At the Law Office of Raymond J. Seo, you can expect fast and attentive service. We take as much time as needed to guide you through your case and answer any questions you may have.

Meet Attorney Seo

Our founding attorney, Raymond J. Seo, is a seasoned attorney who has dedicated his practice to helping clients better themselves financially. He is committed to providing personal access to each client and promptly responding to any needs.

Here's why he is qualified to handle your case:

  • Over 15 years of experience handling bankruptcy and estate planning cases
  • Received the Client's Choice Award by Avvo®
  • Admitted to practice in the Central, Eastern, and Southern Districts of California.

What are the benefits of bankruptcy?

When our Seal Beach clients first meet with us at the Law Firm of Raymond J. Seo, one of the first questions many ask is, 'What are the benefits of filing for bankruptcy?' Of course that depends on what their situation is, and what chapter of the bankruptcy code we file under. In Seal Beach, and around the country, the vast majority of those filing for bankruptcy are filing under chapter 7 of the code, and are individual consumers with debt under the amount of $200,000.

Bankruptcy should be the option of last resort. If you do not have any friends or family who can help you with a loan, or cannot get the creditors to negotiate a settlement which you can afford, then bankruptcy could be your best option. Filing for bankruptcy may also be an option if you own a home, and your mortgage is being foreclosed on. The filing of a bankruptcy automatically stays all proceedings in foreclosure for 90 days. Usually the lender will file a motion for relief from the stay and often gets it, which means the case is then back on.

Top Benefits of Bankruptcy

One of the main benefits to filing for bankruptcy is that you can claim your home as exempt if you have any equity (or no equity) in the home under your state's threshold. Each state has a different amount, and California's is $75,000 for a single individual. If you are single and you own your home and you have less than $75,000 in equity in your home, it is exempt, i.e., you get to keep it. The threshold is higher for couples, and even higher for those over 65 or those with a disability.

In addition to the aforementioned benefits:

  • Your creditors can no longer call you to collect the debt
  • Yhe debts will be discharged, in other words, you won't have to pay them back
  • You will get a fresh start financially.

Get your free case evaluation

In our economy, one cannot overstate what a life saver a clean financial slate can be for you and your family. Take action and solve your debt problems as soon as you can!

Call our office at (888) 488-8513 or fill out an online form to get in touch with Attorney Seo, your bankruptcy representative in Seal Beach.

Seal Beach Resources

Why Hire the Law Offices of Raymond J. Seo

  • We See Our Clients
    as People First

    We treat each client with respect and dignity and ensure the highest quality of professionalism for each individual. We see our clients as people first, not paychecks.

  • Lower Fees

    Our firm also proudly offers significantly lower fees than other large firms and direct access to the attorney working on your case.

  • Personalized Strategies

    We stay abreast of the changing bankruptcy laws and concerns so that we are always prepared because we understand that your case is unique to you.