Local Offices: Los Angeles, Glendale, Arcadia
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.
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.
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.
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.
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.
Free Consultation
The facts of each case are different. We will provide a detailed, free consultation to analyze whether bankruptcy is right for you and under which chapter you are better protected. Call now and ask to talk with me, a qualified and experienced bankruptcy attorney.
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 Attorney and Stereotype
The decision to file bankruptcy is hard enough, without hiring an attorney who never returns emails, doesn’t bother to explain things, or who seems to have passed your case along to a secretary to handle. And yet so often this seems to be the case with many bankruptcy attorneys in Los Angeles. Don’t let this happen to you. Check out the personalized legal services my wife and I offer here at our small firm, where we are dedicated to serving the bankruptcy needs of our clients.
We can write and say great things about ourselves, but that does not really count. What counts the most is what our clients say about us. So here is what one of our client took the time to write about us on Yelp.
“Roland Kedikian is an EXCELLENT BK Attorney and his services are outstanding because he is extremely Organized & Professional, just like his office staff. He is extremely informative and responded to all my questions in a quick and timely manner. His Communication skills are above average and he is extremely pleasant to work with. I had the unfortunate displeasure of working with another Attorney (Not from Roland’s office) and this BAD attorney fit the negative stereotype we have of attorneys. It wasn’t until I met Roland & experienced his EXCELLENT services that I changed my opinion of attorneys in general and that there are actually a few GOOD people in this world, Roland and his staff being top on the Good List!”
Bankruptcy Can Help You Gain Control
Whether or not you file bankruptcy is not important. What’s most important is that you decide to take control of your financial problems. Explore solutions. Talk to a Los Angeles bankruptcy attorney and get help. Leaving collection letters to pile up on the kitchen table or dodging phone calls may seem to be a workable answer at first, but as you already know, ignoring something isn’t the same as making the problem go away. Take the first step towards your future. Decide what to do.
