Practice Areas


Bankruptcy Law Basics

Ventura Bankruptcy Law Practice ©Valentin MendozaWhether you are seeking to file a bankruptcy, or obtain representation to defend your rights in one filed by someone who owes you money or assets, our bankruptcy team can guide you through the process.

For Debtors

There are several types of bankruptcies: Chapter 7, 13 and 11 are the most common. In a Chapter 7 bankruptcy, you will seek an order that relieves you of the personal obligation to pay most unsecured debts, including credit cards, revolving accounts, medical bills, personal loans, and unsecured notes. Bankruptcy may be a good option for you if you find yourself in the following circumstances:

  • Unable to pay your debts as they come due
  • Paying only the minimum payment on credit cards with high balances
  • Loss of employment or significant change in income
  • Facing foreclosure of your home or residence
  • Have a pending lawsuit against you from a creditor
  • Have a pending or anticipated levy or garnishment
  • Had a vehicle repossessed or any property foreclosed on
  • Have a business struggling to keep its debts current

Bankruptcy can help provide financial relief when you feel there is nowhere else to turn, and you are unable to make ends meet. Bankruptcy allows individuals, and even business, to move forward with a fresh start. Our skilled attorneys will analyze your financial circumstances and help you make the best decision for you and your family. We understand that this is often a difficult choice to make, and we do not take our responsibility lightly.

Our goal is to provide you the service and attention you need to be able to obtain a discharge of your most unsecured debts so that you can start anew with your financial matters. Our attorneys will work with you on your case directly and you will always have direct access to an attorney. Contact our office to speak with our bankruptcy team today.

For Creditors

If you are a creditor with an individual or business you have made a loan to and they have filed a bankruptcy, we can help. We assist you in navigating the bankruptcy process and asserting your rights as a creditor.

Timing is key when you are a creditor in a bankruptcy. All bankruptcies have deadlines that creditors must adhere to for filing claims and participating in a bankruptcy. Failure to file a claim or participate as a creditor could bar you from being able to collect any monies on the debt you are owed.

Contact us immediately upon receiving notice of a bankruptcy or upon suspecting a bankruptcy has been filed for a borrower. We can help you try to recover as much as you legally can.