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Affordable Debt Relief

Our Los Angeles bankruptcy attorneys are Certified Specialists in consumer and small business bankruptcy. Call 1-800-477-3111 for a free consultation at our office. We offer reasonable rates and payment plans.

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Know Your Rights

Creditors will try to intimidate you and take advantage of your lack of knowledge. They employ aggressive teams of lawyers and debt collectors to trick and confuse you. We will ensure that you are not denied the full benefits afforded to you by the bankruptcy laws.

Creditor threats and harassment
Calls from bill collectors
Wage garnishment
Foreclosure
Lawsuits
IRS action

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Free Online Bankruptcy Evaluation

If you are not sure that bankruptcy applies to you, we offer a free online consultation where we take a close look at your situation. Simply answer a series of questions – completely confidentially – and this will help us to determine whether bankruptcy is the best alternative for you. Our Los Angeles bankruptcy attorneys understand that each case is unique and requires a personalized plan. All consultations are with an experienced bankruptcy attorney so you know you will be getting the most qualified advice. After the evaluation, if you feel that bankruptcy is the best option for you, come in to our office for a more extensive consultation and to begin the process.

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Additional Resources

Bankruptcy laws have changed. As certified Los Angeles bankruptcy attorneys, we can help you find what you need to know. Click here for additional online resources relating to California bankruptcy.

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Internet Discount

We offer a discount to those who have done their research and found us on the web. Learn more about our Internet discount.
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Chapter 13 Can Cure A Default

Stoping foreclosure. In the case of a real estate foreclosure, the debtor files the Chapter 13 case which imposes an immediate automatic stay and stops the foreclosure. This must be done before the foreclosure auction takes place and notice of the automatic stay needs to be given to the necessary parties.

Plan to cure the default. The debtor now has to do something in the case to cure the default on the loan. The court is not going to simply let the debtor sit there and enjoy the benefits of ownership without the burdens of making payments. So what actually happens is under the Chapter 13 law and the local rules of the bankruptcy court the debtor is required to commence making regular monthly payments again on the mortgage. Payments must commence with the next payment that comes due following the filing of the bankruptcy case. Now in additional to paying regular monthly payments the debtor has to do something to catch up the default.

Gradual cure of default. The best way to understand the process is that the debtor is drawing the line in the sand and says, “I am buried up to my neck in debt and delinquent payments; I am not going to go any deeper in the hole; I am going to start making regular monthly payments and in addition to that I will pay some extra money to gradually catch myself up”. It’s the payment of those extra monies that will allow the debtor to cure the default on their property over a reasonable period of time. The concept is really fairly simple although in practice it can become quite complicated.

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Important notice required by Federal Law:
We are a debt relief agency pursuant to Federal Law §524 of Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code.

*DISCLAIMER: The information contained within this page and/or this site as a whole, including replies from Bayer, Wishman & Leotta to this PRE-CONSULTATION FORM, is not intended as legal advice, nor to create an attorney-client relationship yourself and Bayer, Wishman & Leota, PC and/or debt-relief-bankruptcy.com, it is informational in nature. Though bankruptcy is federal law, your particular state of domicile can impact the advice you receive. Furthermore, bankruptcy law is very complicated, therefore, an experienced bankruptcy lawyer within your state of domicile should be consulted for specific issues concerning your particular set of facts. Users of the internet should not rely on an e-mail message to Bayer, Wishman & Leota, PC and/or debt-relief-bankruptcy.com through this web site to create an attorney-client relationship. Said users should not act upon any information in this web site without first directly consulting legal counsel of their own. The hiring of a lawyer is an extremely important decision which should not be based solely upon advertisements, web pages, brochures, or other promotional materials. Unless a written retainer agreement has been signed by a member of Bayer, Wishman & Leota, PC, no attorney-client relationship exists between you and Bayer, Wishman & Leota, PC. This web site might be characterized as an ADVERTISEMENT. The responses and information are intended to be general and should not be relied upon for any specific situation. For legal advice, consult an attorney.

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