
Chapter 7 Bankruptcy Attorney in San Fernando
Why Choose RHM LAW LLP as Your Chapter 7 Attorney?
Choosing the right legal partner is essential for a successful bankruptcy process. At RHM LAW LLP, we bring over 20 years of experience helping clients in San Fernando and beyond. We offer personalized guidance tailored to your unique situation, focusing on a stress-free filing process.
What sets us apart is our commitment to accessibility. We offer same-day consultations in English, Spanish, and Farsi, ensuring everyone gets the assistance they need. By selecting us, you're not only hiring a Chapter 7 lawyer; you're gaining a reliable partner to help you navigate bankruptcy with confidence.
Our track record includes over 7,500 successfully filed or overseen bankruptcy actions, demonstrating our profound understanding and proficiency in the field. We understand the fear and uncertainty that financial troubles bring, which is why our approach combines empathy with strategic planning to help you achieve a fresh start quickly and efficiently.
Connect with an experienced Chapter 7 bankruptcy lawyer in San Fernando as soon as possible. Dial (213) 344-0043 or submit an online form.
What Is Chapter 7 Bankruptcy?
Filing for Chapter 7 bankruptcy can be a step toward regaining financial stability. In San Fernando, this process allows individuals to discharge most of their unsecured debts and start anew. Our team at RHM LAW LLP understands the intricacies of bankruptcy laws in California and is dedicated to guiding you through each step of the process.
Chapter 7 bankruptcy is often referred to as “liquidation bankruptcy.” It involves selling non-exempt assets to pay off creditors. However, many individuals find that most of their personal property is considered exempt. Navigating exemptions can be complicated, but having a well-informed Chapter 7 bankruptcy attorney in San Fernando by your side ensures you're well-positioned to retain essential assets.
The choice to file for Chapter 7 should be considered carefully, as it carries long-lasting implications. Our Chapter 7 attorneys help clients evaluate their financial situation comprehensively, determining if filing is the most beneficial path. Factors like income, asset value, and existing financial obligations are meticulously reviewed to provide tailored advice, ensuring the decision aligns with clients' long-term financial goals.
Steps Involved in Chapter 7 Bankruptcy
Filing for Chapter 7 bankruptcy involves several critical steps, each legally mandated to ensure a fair process.
- Step 1: Credit Counseling: Before filing, you must complete a credit counseling session with an approved agency to evaluate whether filing is the right choice. This session will provide an in-depth look at your financial situation and potential alternatives.
- Step 2: Gathering Financial Information: Documentation such as proof of income, debts, and assets is crucial for an accurate petition. Our seasoned Chapter 7 bankruptcy lawyers in San Fernando can help organize these details efficiently.
- Step 3: Filing the Bankruptcy Petition: Once prepared, the bankruptcy petition is filed with the local court. This legal document requires accuracy, as it serves as the foundational record for the entire process. Proper filing initiates an automatic stay, which halts creditor actions such as wage garnishment or foreclosure, offering immediate relief to those in financial distress.
Filing for Chapter 7 Bankruptcy in California
California's unique regulations can influence your bankruptcy outcome. San Fernando residents should be aware of specific exemptions and laws that protect certain assets. Understanding these exemptions can significantly affect the assets you retain post-bankruptcy.
Some exemptions include homestead exemptions for primary residences and personal property exemptions for necessary belongings. Having a proficient Chapter 7 bankruptcy attorney on your side ensures these laws are applied correctly to your case, maximizing your benefits under California bankruptcy law.
Understanding the impact of California's means test is critical. This test assesses your income against the state median to determine your qualification for Chapter 7. Our skilled attorneys provide guidance through this complex calculation, ensuring compliance and the best results based on your unique financial landscape.
Get comprehensive legal guidance from a Chapter 7 bankruptcy lawyer you can trust at RHM LAW LLP. Call (213) 344-0043 or contact us promptly to schedule your consultation.
Frequently Asked Questions About Chapter 7
What Debts Are Dischargeable Under Chapter 7?
Chapter 7 bankruptcy can discharge various types of unsecured debts, providing a fresh financial start. Common dischargeable debts include credit card balances, medical bills, and personal loans. However, some debts, like student loans and child support obligations, typically cannot be discharged. Discuss your specific debts with a Chapter 7 bankruptcy attorney at our firm to understand the relief available to you.
How Does Chapter 7 Bankruptcy Affect My Credit Score?
While filing for Chapter 7 will impact your credit score, many find their credit rebounds quickly post-bankruptcy. This relief offers a path to rebuilding a stronger financial foundation. Our team provides insights on managing your credit post-bankruptcy to expedite your financial recovery.
It's best to understand that the effect on your credit is often proportional to your financial situation before filing. For many, the discharge of debts provides an opportunity to start fresh, often resulting in a credit score improvement once a responsible financial routine is established. Our legal guidance extends to helping you rebuild your credit effectively after the process is complete.
Take Action and Secure Your Financial Future
Regaining control over your financial future begins with informed legal action. Schedule a risk-free consultation with a professional Chapter 7 attorney right away. At RHM LAW LLP, we are committed to guiding you towards a brighter, debt-free future.
Contact us at (213) 344-0043 to discuss how we can assist you on your path to financial recovery. Our compassionate and knowledgeable team looks forward to helping you navigate this challenging time with confidence. Speak with a Chapter 7 bankruptcy lawyer now.

RHM LAW LLP
Meet Our Los Angeles Bankruptcy Specialists
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M. Jonathan Hayes Senior Counsel
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Matt D. Resnik | Partner Partner
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Roksana D. Moradi-Brovia | Partner Partner
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Russell J. Stong III | Associate Attorney Senior Associate Attorney, Los Angeles Office
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W. Sloan Youkstetter | Associate Attorney Senior Associate Attorney, Los Angeles Office
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David M. Kritzer Senior Associate Attorney, Encino Office

Client Reviews
What Clients Say About Working With Us
Serving Encino, CA Since 2018
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I worked with David Kritzer at this firm, and he was great. He negotiated on my behalf with a credit card company and was able to settle with them for much lower than I could have on my own thanks to his knowledge and expertise in the field. If you have a debtor on your back go to him to get it taken care of.- Kelly S.
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Thank you for your great work on behalf of Ms. Johnson. Without the support of pro bono attorneys we couldn't do all the work we need to do, and your firm in particular is outstanding.
- Skip K. -
Where to begin? I had a vile evil credit union repo my car over a misunderstanding, they wouldn't work with me even when I offered full payment plus repo fees (this was my first repo!) so I didn't know what to do. I met with a few lawyers but when I met with Simon he broke things down and gave me my options. I needed a car - so I filed BK and included the car to get it back. The evil credit union fought and Simon GOT ME MY CAR BACK!!! His team is amazing!!!! Maria Donna etc!!! These are top-notch pros that'll have your back. I cannot recommend them highly enough. Sincerely they saved my life. LA with no car!? ARGH!!!!!! *THANX ALL!!!!- Tim C.
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Fantastic office! I want to thank Matt for taking his time with me and sincere in his assistance. He spent over an hour with me for free during our initial consult. I left knowing exactly what's needed. He not only saved my house but also got rid of all my debt. They are not your typical attorneys and their creativity really allowed me to do things that other attorneys never mentioned in previous consults. Affordable and Outstanding firm and thank you for all you have done! My family thanks you!- David K.
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I filed bankruptcy with this firm 3 years ago and found that they are professional, friendly, and compassionate. I also met with their loan modification department. Unfortunately, they were unable to help because of the type of loan that I have. I really appreciated that they did not lie, waste my time, or take my money in an attempt to modify a loan that was not doable. I've since used their firm for a couple of minor issues and found all of the attorneys to be knowledgeable and considerate. Attorneys Simon and Resnik are amazing!- Shannon J.
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I needed a bankruptcy attorney in Sherman Oaks and found Matt Resnik on Google. He has one of the best-reviewed bankruptcy law firms on Yelp so I decided to check it out his law firm for myself. I quickly found out that they are foreclosure specialists and they could help me with my issue. They made the process very easy for me and laid out my options for me. I cannot thank them enough for helping save my home. I would recommend them for anyone that is thinking about filing for bankruptcy or foreclosure on their home. They are the best bankruptcy law firm in Sherman Oaks.- Joseph R.
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Dear Mr. Resnik: We wanted to thank you for your professional handling of our loan modification with GMAC mortgage. We are very happy that you were able to accomplish the modification of our loan in such a short period of time. Thank you again for your professional service.
- W and B Mejia -
Matt is the best bankruptcy attorney in Sherman Oaks. I consulted with Matt over a chapter 7 bankruptcy. I had issues with overwhelming credit card debt after Chase increased it's APR for no reason. It set off a chain of events that were really hurting me. He made me feel like I had options, all was not lost, and I could rebuild my credit after the 7. I had some concerns about a piece of property I was having issues with and Matt also turned out to be a real estate lawyer as well! I recommend this office to anyone who is unsure of their financial situation. It doesn't hurt to find out your options.- Max B.
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Matt and his team are the best!! They were thorough, extremely knowledgeable, wonderful to deal with, thoughtful, and really helped guide me through what was one of the toughest times in my life. I never felt judged or looked down on. They were efficient and really were lifesavers during this tough time. I can not recommend them highly enough!!!!- Rusty H.

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