Bankruptcy Attorney Roland Kedikian has been serving Los Angeles, Glendale, Burbank, Pasadena, Arcadia and surrounding cities in southern California since 1997 practicing exclusively in bankruptcy. As a local bankruptcy attorney, I provide solutions for debt relief. I work with both individuals and businesses under chapter 7 bankruptcy or Chapter 13 bankruptcy. I offer free consultations that can help you understand your options, so you can make an informed decision. Call or schedule your free appointment today. It costs you nothing to talk to me.
Most Recent Posted Review
It is nice to know that there are still very honest attorneys out there that absolutely don’t mind to sit down with you to discuss your case in details, without any obligations. After visiting Mr. Roland Kedikian’s office I learned that he is an EXCELLENT PROFESSIONAL armed with tremendous amount of knowledge in the area of Bankruptcy that will gratify his clients. There were lots of unclear issues in my case that left me in dark. Mr. Kedikian took his time to clarify things so clearly, that it was very easy to see the right direction. I left his office having a piece of mind about my case and I was very pleased. I am thrilled to share this joy of having visited his office.
I am very proud to know Mr. Roland Kedikian as an attorney and I recommend him to anyone that has any Bankruptcy issues.
Mr. Kedikian, Keep Up The Great Work!
Thank You! (posted 11/28/2012 Anonymous)
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Steps for filing bankruptcy
- Free Initial Consultation
- Bankruptcy Interview
- Completing Credit Counseling
- Petition Signature
- Meeting of Creditors
- Completing Financial Management Course
- Rebuild Credit After Bankruptcy
I offer a free consultation, on the phone or in person. You will never be pressured to file bankruptcy with my office. In fact, after your initial consultation, I will always recommend a “cooling off period”, where you consider all your options. When you’ve made your decision… then you can call me to move forward with bankruptcy.
We ONLY handle Bankruptcy cases. We are dedicated to providing aggressive representation in a client friendly environment. We pride ourselves on providing prompt and cost effective services to all.
What is Chapter 7 Bankruptcy? (Straight Bankruptcy)
In a bankruptcy case under chapter 7, you file a petition asking the court to discharge your debts. The basic idea in a chapter 7 bankruptcy is to wipe out (discharge) your debts in exchange for relinquishing all property that does not fall into an “exempt” category. You will be allowed to keep that property which is ruled exempt. What is not declared exempt is then sold, with the money distributed to your creditors. In most cases, all of your property will be exempt.
If you have been told by another attorney that you do not qualify for chapter 7, make sure you talk to me. It will cost you nothing. We have obtained many chapter 7 discharges for clients who were advised by other attorneys that they were ineligible. I only practice Bankruptcy law, so I know how to use every deduction and expense to keep you as a chapter 7, if such a status is to your advantage. Chapter 7 will allow you to wipe out all dischargeable debt and as such, it is the preferred chapter under which you may file. Usually your bankruptcy is completed within 3 to 4 months. If we cannot file a chapter 7 for you, it cannot be done, period.
What is Chapter 13 Bankruptcy? (Reorganization)
Chapter 13 is useful if you have a home facing foreclosure, if your goal is to keep the home, and you have the ability to bring your payments current through the chapter 13 payment plan. You can also remove the second lien on the house in certain circumstances. In a chapter 13 case you file a “plan” showing how you will pay off some of your past due and current debts over three to five years. The most important thing about a chapter 13 case is that it will allow you to keep valuable property. If you can make the payments which the bankruptcy law requires to be made to your creditors, you can keep your home and car, which otherwise might be lost.
What about Debt settlement?
Sometimes, it is more advantageous to settle your debt than go through a bankruptcy. We will provide you all your options so that you can make an informed decision. We can also help you settle debts or defend you in a collection matter.
Why do you offer Free Consultation?
The facts of each case are different. We do not charge just to give you information about your options. We only want to charge you if we can actually do something for you. We will provide a detailed, free consultation to analyze whether bankruptcy is right for you and under which chapter you are better protected. Sometimes, we tell our potential clients bankruptcy is not an option. Call now and ask to talk with me, a qualified and experienced bankruptcy attorney about all your options.
We are A+ rated member of the Better Business Bureau BBB. We are a member of the National Association of Consumer Bankruptcy attorneys NACBA. We are members of the California State Bar in good standing. And we have been admitted to the U.S. Central District Bankruptcy Court, Eastern District Bankruptcy Court, and Southern District Bankruptcy Court. But more importantly, I invite you to read the reviews our clients have taken the time to write about us.
Sincerely Roland Kedikian, Esq.
Bankruptcy cost, as any other service or product a consumer purchases, is a major consideration in their determination to hire the attorney. This is particularly more true for bankruptcy clients who are short on cash because of the nature of their finances. Clients always should know exactly how much it will cost them to file bankruptcy and get through the entire process. But what they should know most about is how much of the process will the attorney handle for them, and how much will be handled by paralegals or substitute attorneys. What I am talking about is the quality and the scope of the professional service you will get.
Now unless the debtor has filed bankruptcy multiple times, which is not possible in the first place, the debtor may have limited idea what to expect. It is the bankruptcy attorney’s job to explain what the client will get for the amount paid. If that is not obvious to the debtor, they should ask at the very least the following questions to a prospective bankruptcy attorney they are considering.
- Is the fee quoted a flat fee that includes everything from beginning to the end?
- Is there any exclusions where the attorney will not be representing the debtor? (its a repeat of #1 but you want to be crystal clear to the attorney on this)
- Will the attorney himself appear with the debtor at the creditor hearing or will he send an associate not familiar with the case or you?
- Will the attorney represent the debtor in any objections whether from the case trustee, the US trustee or the creditors?
The above is the basics only. You can find a complete chart of services of what you should expect here. Also, a professional bankruptcy attorney should be able to provide a service guaranty as we do here.
When you buy low cost bankruptcy, you are buying shortcuts and partial service. The most surprising fact is that high level, quality individualized service does not cost that much more when you are working with an attorney that ONLY practices in bankruptcy. There is an efficiency for an attorney who practices only in bankruptcy. That efficiency translates to savings for you the debtor.