Dedicated Attorneys Help Clients Make a Fresh Start with Chapter 7

Experienced bankruptcy lawyers walk you through the process

At Sadeghi & Associates in Irvine, California, we’ve seen that filing Chapter 7 bankruptcy can be a huge relief for those dealing with creditors threatening lawsuits, possible home foreclosure or impending vehicle repossession. Often called liquidation bankruptcy, Chapter 7 allows you to wipe out debt so you can move on with your life. If you reside in Los Angeles, Orange or Riverside county, we can help you every step of the way, making sure you understand your rights and obligations under the bankruptcy laws.

Determining if you are eligible for Chapter 7 bankruptcy

To qualify for Chapter 7 bankruptcy, you must pass the means test, which is a demonstration that your average monthly household income is less than the median income for a household of similar size in California.  If your median income is higher, you must show that your total annual disposable income (after deducting certain necessary expenses) is not enough to pay back at least 25 percent of your unsecured debt over a five-year period. We can look at your situation to determine if you are eligible for Chapter 7.

Understanding how Chapter 7 affects your situation

With Chapter 7 bankruptcy, most unsecured debts can be discharged. Exceptions include child support, certain taxes and student loan debt. You also receive the protection of an automatic temporary stay that forces all creditors to cease taking any collection actions against you as soon as you file bankruptcy. While the stay is in effect, your home cannot be foreclosed upon, your car cannot be repossessed, your wages cannot be garnished, and lawsuits and collections efforts must stop. And, creditors are no longer allowed to call or harass you. Instead, they must communicate through the bankruptcy court.

 

Also, in California, certain assets are protected from being sold to satisfy creditors. Retirement accounts and other ERISA-protected plans are generally exempt. You are also entitled to exempt the equity in your home up to a certain limit, which in California varies from $75,000 to $175,000 depending on your age, health and familial status. Our firm is familiar with all the nuances of Chapter 7 bankruptcy and will help you obtain all the protections and benefits to which you are entitled.

Contact California Chapter 7 bankruptcy lawyers for a free consultation

For help filing Chapter 7 bankruptcy, look no further than Sadeghi & Associates in Irvine, California. For a free consultation, call us at 949-668-1367 or contact us online

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Our Office

  • Irvine Office

    Address

    47 Discovery
    Suite 200
    Irvine, California 92618

    Phone

    949-514-8605

  • Riverside Office

    Address

    11801 Pierce Street
    Suite 200
    Riverside, California 92505

    Phone

    949-239-7036

  • Anaheim Office

    Address

    135 South State College Blvd
    Suite 200
    Anaheim, California 90212

    Phone

    949-239-7049

  • Newport Beach Office

    Address

    895 Dove St, 3rd floor
    Suite 300
    Newport, California 90212

    Phone

    949-514-8605

  • Beverly Hills Office

    Address

    9465 Wilshire Boulevard
    Suite 300
    Beverly Hills, California 90212

    Phone

    949-239-7063

Testimonials

  • February 22, 2019

    5 Star Attorney!

    I hired Sidney to defend me against a former tenant. This after initially hiring a different attorney , who wasn't making any progress. Just a few days after coming aboard , she brought the case to a very satisfactory conclusion ! Not only was a impressed with the result , but Sidney tried to keep my costs as low as possible! My go-to attorney!

  • February 14, 2019

    Excellent Attorney!

    Sidney is amazing! Unfortunately, the company I worked for had a few very serious legal problems which Sidney took care of. As a leader of the company and next in line to the CEO, I was able to witness first-hand amount of money and time Sidney was able to save our company. I highly recommend her!

  • December 18, 2018

    Most proficient and competent lawyer I have come across.

    Sidney was simply amazing. She took an sensitive emergency situation and handled it quickly in the most brilliant fashion . She is a master in the art of war. Rest assured she is the best money can get . Honast and fair. Worth every penny. She is a winner and i would use her services in a heartbeat . I would call her first . She is on point. Thank you Sidney. Saved my life.

  • December 10, 2018

    One of the best!!

    She is an awesome attorney. Sidney made the whole process painless and is on top of everything. She handled my case in a very professional matter. Her outstanding skills are proven by fighting tooth and nail for me.

  • December 10, 2018

    Batting 1000 on at least 5 cases!

    Sidney has been our corporate attorney handling all contracts as well as litigation matters for over 10 years. In those years, she has given our company invaluable advice in hundreds of situations, reviewed 50 or more contracts and has drafted dozens of agreements for us.

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  • December 30, 2015

    Brilliant!

    I hired Sidney without any reservations , after a thoroughly professional consultation. Not only did I find her to be brilliant strategically , but extremely honest as well . And she kept me informed every step of the way . Sidney care's about her client's, while also trying to keep costs down. She got my case settled in quick time! My new go-to attorney!

  • July 14, 2015

    Very honest, smart. Best lawyer I have ever had!

    I had a probate litigation matter after my parents passed away between many of my family members. It was a large estate and everyone wanted to fight about it. Thank God I found Sidney and her firm. She was aggressive, smart and she always told me exactly what I needed to hear to get to the outcome I was looking for. It's not the cheapest, but it was the best.

  • October 5, 2013

    Happy CLient ..

    Sidney is THE BEST Lawyer I have ever Had.. Before I hired her I had Two other Big Lawyers that could not get the Job Done that I hired them for. I Fired them and Hired Sidney.. Not only did she get the job Done I got an apology letter from the Creditor! I will ALWAYS Recommend Sidney to anyone that Needs a Lawyer..

  • January 31, 2009

    Fantastic

    She was very intelligent and kept me informed of all details. I highly recommend her.