About
San Fernando Valley Bankruptcy
The solution for 2023 Inflation and Higher Interest Rates
With gas prices out of control, there are many San Fernando Valley bankruptcy lawyers. But, to help you get your finances under control again, you want someone who only does consumer debt law, and does it well. That would narrow the search down a bit. Lots of attorneys dabble in bankruptcy, but also do other areas like personal injury, estate planning and divorces. Lots of attorneys market in the San Fernando Valley, but have never lived here. You want someone who knows the Valley, and knows bankruptcy to be your San Fernando Valley bankruptcy attorney.
We know the Valley
There are bankruptcy attorneys who target Valley residents by referring to a “San Fernando Valley County,” as if there is such a thing. They just want your money, they don’t care where it comes from, and don’t know the difference between North Hills and West Hills. Or the difference between Woodland Hills and Granada Hills. Or know that there are a heck of a lot of “Hills” in an area called “The Valley” and that North Hills is flat.
Go with a bankruptcy lawyer who grew up in Sherman Oaks, Encino, and Porter Ranch. A bankruptcy attorney who went to school in Northridge at CSUN. A debt lawyer who lived in Canoga Park, worked in Warner Center while going to law school, watched the Promenade Mall crumble during the Northridge quake, and has lived through two Valley earthquakes (we are counting Sylmar).
This lawyer is a San Fernando Valley bankruptcy attorney.
And there’s no reason to get lost in a large faceless firm. There lots of Encino bankruptcy lawyers who are just a big lawyer factory. Not us. We’re big enough to effectively and efficiently handle your case, but small enough to treat you with the kindness, compassion, and care which you expect and deserve.
A Lawyer that Knows Bankruptcy
Just living near Tarzana or Chatsworth doesn’t make someone good. There are lots of nice people who live in Burbank or Glendale, but that doesn’t mean I’d want them to handle my bankruptcy. You also want someone who knows this complicated niche area of the law to guide you to a fresh start. We do.
Experienced
We’re in our second decade doing nothing but filing bankruptcy cases. In that time, we’ve helped thousands of people get a fresh start, and have spent hundreds of hours at the San Fernando Valley bankruptcy court. We personally appear at most of our 341(a) Meeting of Creditors there at the Woodland Hills bankruptcy court (or what some people call the San Fernando Valley bankruptcy court). Point is, we’ll be there with you. For you.
Firstly, that’s what clients expect, like, and appreciate. Let’s face it, attorney time isn’t cheap, and most bankruptcy lawyers just hire someone to stand in for them while you’re sweating bullets so they can chase down their next clients. We’re there for you. We’re there with you. Secondly, when we attend our own hearings, we can see lights and shadows, learn what the trustee is looking for. Not just in your case, but in all cases. This helps us discern what the issues are. We’ve worked with all the Chapter 7 and Chapter 13 trustees. We know how to work with them to create a successful result for you. More on the Chapters below.
Affordable
People ask us all the time, “how can I afford to hire you if I’m going broke.” That is a logical question. My answer is, “how do you think I’ve stayed in business all these years only helping people who don’t have money?”
Consequently, the reason is we’re affordable. Also, for those who don’t have our fee in one shot we accept payments, and we don’t charge interest.
Customer Service
Who sends their lawyer a “Thank you” card? Our clients do.
This is because we don’t judge you or make you feel more terrible than you already do. We realize that the decision to start searching for a bankruptcy attorney took courage. As a result, we’re compassionate, caring, nonjudgmental, and treat you not as a case or a file number. We treat you as a human being. One who is struggling, needs an office staff with a heart. We try to treat you with the respect to give you peace of mind and relief. And we explain things in plain language, to educate you, not talk down to you.
I’d be honored and humbled to guide you through a difficult time in your life to help you get a fresh start.
Contact Us for a Free Zoom Consult
Reach out to us and we'll arrange a free Zoom consultation and case evaluation to go over your options, answer questions, and explain how this would work for you.
Our Firm's Mission in the Practice of Law
Over the past two decades, our law firm's experience has led to advanced development of the legal skills and professional relationships necessary to produce outstanding success rates, customer service, and results.
Testimonials
Dear Mr Antico,
There are simply no words that can express how grateful we are for what you have done for us. You gave us hope, you gave us peace, you gave us back our lives!!
You were the light in the dark tunnel that our lives had turned into. You took us out and gave us a fresh start!!.
I don’t even want to think where would we be right now if it wasn’t for you. I thank God everyday for allowing me to find your website. We want you to know that you will always have a special place in our hearts. Thank you for making the whole Bankruptcy process smooth and easy for us, and above all thank you for not making us feel bad about it. You were so good to us. I have always believed that there are angels living among us, and I am sure that you are one of them (sorry for blowing your cover !!). : )
Two days ago I turned in my resignation letter at my current job (Costco). I have accepted a position at [mortgage company] as a Business Administrator’s Assistant and I am attending at the University of Phoenix, my goal is to achieve a Bachelor’s Degree in Business Administration and Business Management. We will be moving out of our one bedroom apartment and will be moving into a three bedroom and three bath townhouse, now our kids are going to have lots of space to play. As for my husband he is working 6 days a week and his business if just blooming!!.
And needless to say none of these would have been possible if it was not for you that believed in us and showed us how to get out of debt and gave that second chance. ; )
Please feel free to use my letter as a reference. Once again thank you for everything.
Great experience, he walked me through the process very professional and everything was very smooth, one thing I really liked if that he was there at hearing day witch was awesome since majority of attorneys don’t do for their clients I felt very supported on everything,
San Fernando Valley Bankruptcy: Our Process
Our process has been honed over decades to provide the easiest and stress-free way to get debt relief and obtain peace of mind from your creditors
Sit down with an experienced and friendly San Fernando Valley bankruptcy lawyer in the comfort of your own home to discuss your goals, review options, and weigh alternatives with solid bankruptcy advice.
Once you’ve given it thought and deliberation our affordable payment plan empowers you to pay at your own speed. We work each time you tender a payment, asking for documents and information as we go, all by convenient email, no travel, 405 or 101 traffic, or hassle.
Once payment is completed, we sign the papers together, then file bankruptcy petition with the Woodland Hill bankruptcy court, which begins the powerful bankruptcy protection from creditors, lawsuits, and wage garnishment of your paycheck.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy is the ‘straight bankruptcy’ or ‘liquidation bankruptcy.’ Which is what every website says but tells you nothing.
A Chapter 7 is simply where you say (through papers) that you can’t afford your debts. Therefore, you don’t pay them back. However, if you have stuff (fancy word: “assets”), they can take that sometimes and give that to your debts. It’s not just obvious stuff like houses or cars, but can even be your tax refund. Only a bankruptcy attorney can give you advice about whether you can or should file Chapter 7, or are at risk of losing some stuff.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy is like debt consolidation without the calls, problems, and law suits. You keep all your stuff, and make payments back on some (not necessarily all) your debt, freezing interest. By definition the amount is supposed to be an affordable bankruptcy payment. Many bankruptcy lawyers don’t do Chapter 13 cases, because there’s a lot of work and it’s confusing. In contrast, we do, and we’ve done hundreds of them, and have a high success rate. It’s debt consolidation, with peace and quiet, and an affordable payment and an end in sight that’s doable.
Means Test
Not everyone qualifies for Chapter 7 bankruptcy. You don’t get to choose. Your income chooses. It surprises people when I tell them I’m more interested in their budget than debt totals. The budget helps determine whether someone can do a Chapter 7, or just makes too much money.
So, Congress created a form called a “Means Test.” It’s a complicated formula like a tax form. Ten bankruptcy lawyers from Pasadena and Burbank and Glendale can complete one for the same client and probably get ten different results. With two decades’ experience, we’re pretty good at knowing our way around the Means Test, and helping decide if you can do Chapter 7.
Meet Our Attorney Team
With decades of experience, you can rest assured that your trusted San Fernando Valley bankruptcy lawyer will help you achieve your goal of a fresh start.
Hale Andrew Antico
Hale Andrew Antico is an award-winning bankruptcy attorney who was elected two times by Los Angeles and San Fernando Valley bankruptcy lawyers to lead the largest organization of consumer bankruptcy attorneys in Southern California.
Contact Us
Let's arrange a free Zoom consultation and go over your options.