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I have been a practicing attorney for more than 20 years. During this time, I have assisted numerous individuals in resolving their financial difficulties with either Chapter 7 or Chapter 13 bankruptcy proceedings. My objective is to provide a quick, cost-effective, stress-free, and convenient solution to your financial challenges. If you are currently experiencing financial issues, contemplating bankruptcy, and seeking guidance in a welcoming and non-judgmental environment, search no further. I provide a complimentary hour-long consultation, which can be conducted in person at my office or remotely via phone.

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California

Since 1995

Managing Partner

Affordable Attorneys Group

1995 - Current

Western State College of Law at Argosy University

Juris Doctor (1994) | Law

Honors: Honor Roll / Top 20% Graduate

Western State University College of Law

B.S. (1992) | Law

Honors: Information coming soon.

Golden West College

A.A. (1989) | Business Administration

Honors: Information coming soon.

Preeminent 5.0 out of 5

Martindale-Hubbell

2019

Three Best Rated

Top Lawyers

2018, 2019

Avvo Top Contributor

Avvo

2012, 2013

National Association of Consumer Bankruptcy Attorneys

Member

2008 - Current

Orange County Bar Association

Member

1996 - Current

California State Bar  # 181241

Member

1995 - Current

Bankruptcy, Bankruptcy Basics Seminar

2004

Bankruptcy Alternatives, Bankruptcy

2009

Q. Can I file for bankruptcy with inherited home unrelated debt?

February 28, 2025

A: You need to consult with a bankruptcy attorney. Most have free consultations. How much equity you have in that home you inherited and whether you live in it as your primary residence is going to determine whether you're eligible for a chapter 7 or a Chapter 13 ( where you have to pay percentage of your debts back). Just not enough facts here for me to elaborate further.

Q. Do my car payments count towards lump sum payment required for redeeming car in bankruptcy? I’ve paid 8k, cars worth 4k

December 25, 2024

A: No. You can redeem it by paying the current value of the car at the time you file bankruptcy. Forget what you paid before. If when you filed bankruptcy you owed 4, 000 but the car was only worth 3,000, then you could redeem it for 3,000. If at the time you filed you owe $4,000 but the car was worth 6000, then you can just buyout the car for the $4,000 or keep making the payments until it is paid.

Q. Personal injury in car accident

November 11, 2024

A: Lost earning capacity usually relates to a permanent injury that prevents you from engaging in employment or similar employment. If you're off work or can't work for a few weeks because of an injury, that's not generally considered lost earning capacity. Now I don't know your situation, but in that you're just receiving Chiropractic Care it's hard to imagine you suffered a significant permanent injury. Not to knock Chiropractic, but if you suffered a significant permanent injury you would normally be treating with orthopedists or other MD's. I don't know all the facts, but at the moment I'm inclined to agree with your attorneys. It's darn near impossible to prove lost wages when you were unemployed at the time. ... Read More