Eliminate credit card debt, medical bills, and get a fresh start in as little as 4 months. Learn about the Means Test and qualification requirements.
Learn More →Keep your home, catch up on payments, and restructure your debt over 3-5 years. Ideal if you have regular income and want to protect property.
Learn More →Want to know if bankruptcy is right for you? Schedule a FREE consultation to explore your options. No obligation, completely confidential.
Call: (909) 915-0181 →Bankruptcy provides immediate, court-ordered protection from creditors.
Filing triggers an automatic stay that immediately halts foreclosure proceedings, giving you time to catch up through Chapter 13.
✓ Keep Your HomeCreditors taking 25% of your paycheck? The automatic stay stops all garnishments instantly—you keep your full wages.
✓ Keep Your PaycheckPending lawsuits and creditor calls are immediately frozen when you file. Get peace of mind and sleep through the night again.
✓ Get Peace of MindDon't let misconceptions keep you from financial freedom.
"I will lose everything I own, including my home and car."
California's exemptions protect most assets. The homestead exemption shields $300,000-$600,000 of equity. Most clients keep their home, car, and retirement accounts.
"My credit will be ruined forever."
Bankruptcy acts as a "reset button." Most clients see scores improve to the 700 range within 12-24 months after discharge.
"I make too much money to file bankruptcy."
The Means Test allows significant deductions. Even high earners often qualify for Chapter 7. If not, Chapter 13 creates an affordable payment plan.
"I can't discharge tax debt in bankruptcy."
Income tax debt can often be discharged if it meets specific criteria: debt is 3+ years old, returns were filed on time, and no fraud was involved.
Both chapters provide powerful protection, but they work differently.
| Feature | Chapter 7 | Chapter 13 |
|---|---|---|
| Timeline to Discharge | 3-4 months | 3-5 years |
| Monthly Payments Required? | ✗ No | ✓ Yes |
| Stops Foreclosure? | Temporarily | ✓ Yes, catch up over time |
| Keep Your Property? | ✓ If within exemptions | ✓ Yes, with payments |
| Eliminates Credit Card Debt? | ✓ 100% discharged | Partial or full |
| Eliminates Medical Bills? | ✓ 100% discharged | Partial or full |
| Income Limits? | Must pass Means Test | ✓ No income limits |
| Filing Fee (Court) | $338 | $313 |
From your first call to debt-free living.
Meet with attorney Edgar Lombera to review your finances and options.
We guide you through collecting pay stubs, tax returns, and debt statements.
We prepare and file your petition. The automatic stay stops collections immediately.
Attend one brief hearing, then receive your discharge and start fresh.
Real stories from real families we've helped find financial freedom.
"Mr. Lombera helped me with a bankruptcy case. I am so grateful to him for his help. He is very knowledgeable and experienced. He is also a true gentlemen. Thank you so much Mr. Lombera. "
"Edgar Lombera is the best bankruptcy lawyer. I sought help from many different lawyers, but many didn't know how to help me. Edgar Lombera helped me and gave me step-by-step guidance with great patience, and he achieved what many others couldn't. If you need help, look for this lawyer. 100% recommended. "
"Fantastic Attorney! I couldn't be happier with Mr. Lombera's services. He also has a fantastic team of people working for him. I felt comfortable asking questions about my bankruptcy case and I knew the response would be detailed and very honest. Mr. Lombera's fee for services is very reasonable as well. Hands down the best attorney you could possibly go with. Highly recommend! "
Helping Inland Empire & Coachella Valley Families Since 2009
When you work with our firm, you work directly with me—not a paralegal or call center. I understand the stress you're feeling because I've guided thousands of families through this process. My goal is simple: give you honest advice about your options and help you make the best decision for your family's future.
Short videos explaining the bankruptcy process in plain English.
Get answers to the questions we hear most often.
Most people keep their home. California's homestead exemption protects $300,000-$600,000 of equity. Chapter 13 helps you catch up on missed mortgage payments over 3-5 years while keeping your home.
Chapter 7 eliminates most unsecured debts in about 4 months with no repayment.
Chapter 13 creates a 3-5 year payment plan to catch up on mortgages and car loans while discharging remaining debt. Your income and assets determine which is right for you.
Court filing fees are $338 for Chapter 7 and $313 for Chapter 13. Credit counseling courses cost about $30-50 total. Attorney fees vary. We offer payment plans and discuss all costs upfront during your free consultation.
Chapter 7 stays 10 years; Chapter 13 stays 7 years. However, most clients see scores improve to the 700s within 12-24 months after discharge by following our credit rebuilding strategies.
Yes, immediately. The automatic stay stops all wage garnishments, bank levies, lawsuits, and creditor harassment the moment you file. Your employer will be notified to stop withholding garnished wages.
Sí, hablamos español. Our entire team is bilingual. We handle all consultations, document preparation, and court appearances in Spanish as needed. We proudly serve Spanish-speaking communities throughout the Inland Empire and Coachella Valley.
Schedule your free, confidential consultation today. We'll review your situation, explain all your options, and help you make the best decision for your family.
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