A Bankruptcy Specialist provides high quality, affordable bankruptcy services throughout the Greater Los Angeles area, including Orange County, Ventura County, Riverside County and San Bernardino County.
I’m attorney Stephen Parry, CA State Bar No. 98188. For over 20 years I’ve been offering creative consumer bankruptcy solutions to almost any creditor problem you can imagine. My paralegal and research assistant Barry Sisselman is a skilled paralegal with over 25 years experience in bankruptcy.
We are a small, boutique law practice specializing in consumer and small business bankruptcy only. We represent debtors only, and not creditors. We are affordable. We handle your Chapter 7 bankruptcy and Chapter 13 bankruptcy needs in a prompt and efficient manner that enables us to charge less than most other bankruptcy attorneys while maintaining a quality of representation that is second to none.
Chapter 7 Bankruptcy
Get rid of credit cards…forever. It doesn’t matter if you are current or behind on your credit card debt. We can even help you if you’ve used your cards a lot recently – don’t listen to the other attorneys on this.
Get rid of judgments, liens, garnishments, and bank account levies. Using the lien avoidance power of bankruptcy law, we can remove judgment liens from your home in Chapter 7 or Chapter 13.
In many cases we can even recover recently garnished wages or levied bank account funds for you as part of the bankruptcy filing process.
Subject to certain Criteria, we can get rid of your IRS income tax debt and Franchise Tax Board income tax debt, if it is more than 3 years old.
Chapter 13 Bankruptcy
Unlike many attorneys who offer bankruptcy services, we have extensive experience in Chapter 13 bankruptcy. We know how to use the powerful tool of Chapter 13 to achieve results you might think are impossible. We understand Chapter 13 and know how to use it in ways that other attorneys don’t or won’t.
Stop or delay home foreclosures – Filing Chapter 13 will instantly and automatically stop the foreclosure on your home, and cause the trustee sale of your home to be cancelled or delayed. A bankruptcy filing under Chapter 13 will stop a home foreclosure even if filed only minutes before the sale, and we can file for you 24/7, for as little as 1,000, to stop your home foreclosure!
Refinance the arrearages on your home interest free! Chapter 13 bankruptcy allows you to pay off the arrearages on your home mortgage(s) over five years (60 months) with no interest charges.
Pay off your back income taxes, and other non-dischargeable taxes without interest or penalties. Even if we cant get rid of your taxes with Chapter 7 bankruptcy, we can get rid of them under Chapter 13, or, if necessary (because you have non-dischargeable” taxes), you can pay your IRS debt or Franchise Tax Board debt, with no interest & penalty, through a five-year Chapter 13 Plan.
If you have substantial tax debt that is not dis-chargeable under Chapter 7 or Chapter 13, you can save yourself thousands of dollars by repaying the taxes interest and penalty free under Chapter 13 bankruptcy. In a voluntary repayment plan outside of bankruptcy, the IRS or FTB will be assessing interest & penalties almost as fast as you are making payments to them! Avoid that mistake, and pay down principle only with Chapter 13 bankruptcy.
Strip off second mortgages, judgment liens, and tax liens from your home using Chapter 13
Chapter 13 is the only form of bankruptcy under which it may be possible to permanently remove a second mortgage or HELOC from your property and create potential equity for you in your home. If you otherwise qualify for Chapter 13 and the value of your home is less than what is owed on your first mortgage, then we can remove the second (and third) mortgages forever.
Judgment liens and tax liens can also be removed from your home in Chapter 13.
Bankruptcy Stress-free and Simplified
Due to our many years of experience in consumer bankruptcy, our understanding & familiarity with the bankruptcy court system and the bankruptcy trustee system, and our powerful bankruptcy software, we have learned how to streamline and simplify bankruptcy for you, whatever your needs may be.
We do not require you to fill out any interview sheets, make any lists or charts, or do any paperwork at all, other than signing your documents to file. We get all your information from your original bills, collection notices, lawsuit or garnishment/levy paperwork, plastic credit cards or whatever you want to bring us – the information goes directly into our bankruptcy software, inputted by us, not you, to ensure maximum efficiency & accuracy, and to save you time & aggravation.
If necessary, we will even obtain for you at no additional cost any or all of the three major credit bureau reports.
Bankruptcy explained and demystified
Over the years, we’ve learned that most people experience far too much anxiety about bankruptcy, even after their case has been filed. To put you at ease we explain to you what bankruptcy is all about – and what it isn’t about. We give every client the inside picture” of how the bankruptcy system works, when your bankruptcy happens, how it happens, what your hearing is about, who the bankruptcy trustee really is (and what he or she is not), what role, if any is played by the judge assigned to your case, and so on.
We guarantee that when you leave our office at the conclusion of our very first meeting, you will feel comfortable and at ease about your decision to apply for the benefits of bankruptcy.