Chapter 7 & Chapter 13 · Central District of California
Bamboo bends all the way to the ground, then stands back up.
A consumer bankruptcy practice in Beverly Hills. Flat fees published on this site, consultations with the attorney rather than an intake screen, and 341 meetings on Zoom so you never have to drive here.
Naomi Reyes-Ashford · Founding attorney
Will I lose my house?
Almost never in a Chapter 7, and a Chapter 13 exists specifically to stop a sale and let you catch up. What matters is your equity, not the value.
Read the answer →Will I lose my car?
Most people keep it. The trustee looks at equity, so a car you still owe on is usually not exposed at all.
Read the answer →Will people find out?
Filings are public record, but nobody is notified. No employer letter, no announcement, and our lobby has no sign.
Read the answer →Where to start
Eight questions people actually search for at midnight
Not practice-area brochures. These are the pages people land on when the letter arrives, and each one answers the question in its first two sentences.
Chapter 7 Bankruptcy in Beverly Hills
Wipes out most unsecured debt in about four months. Flat fee from $1,850.
Read →Chapter 13 Bankruptcy in Beverly Hills
A court-enforced plan over three to five years. Stops a foreclosure and lets you catch up.
Read →Chapter 7 or Chapter 13, and Which One You Qualify For
Your income, your equity, and whether you are behind on something you want to keep.
Read →What Bankruptcy Costs in Los Angeles
Real numbers. What each chapter costs, and what the fee does not cover.
Read →California Bankruptcy Exemptions, and What You Keep
California gives you two systems and makes you pick one. Choosing wrong costs money.
Read →Stop a Wage Garnishment
Filing stops it the same day. If your next check is already short, call before it clears.
Read →Stop a Foreclosure with Chapter 13
Works the morning of the sale. We have done it that day more than once.
Read →Stop Creditor Harassment and Collection Lawsuits
The calls stop when you file. So do the lawsuits, the levies and the repossessions.
Read →Chapter 7, start to finish
Four months, four steps, one Zoom call
Prepare
We gather documents and build the petition. Moves as fast as you get us paperwork.
2 to 4 weeksFile
The automatic stay takes effect the moment the case is docketed.
Same day341 meeting
On Zoom, under oath, usually finished in fifteen minutes. We are on the call.
About 30 days laterDischarge
The order arrives in the mail and the debt is gone.
About 60 days after thatThe numbers we publish
Most firms will not put these on a website
The attorney
Nineteen years, about 2,400 cases, one practice area
Naomi Reyes-Ashford has filed consumer bankruptcies since 2006 and does nothing else. She takes the consultation herself. If she thinks you should not file, she will say so on the first call, before you have paid anything.
Read her backgroundNaomi Reyes-Ashford
Founding attorney
- Certified Specialist in Bankruptcy Law, State Bar of California Board of Legal Specialization
- Admitted to the California Bar, 2006
- Central District Consumer Bankruptcy Attorney Association
- Practices in all five Central District divisions
- Consultations and 341 meetings by video
Every page on this site
The full architecture, 70 pages
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