 Roland Kedikian Esq. Attorney since 1997 Glendale Tel: (818) 409-8911 Arcadia Tel: (626) 445-2411 Toll Free: (888) 55 BK LAW |
  
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Irwindale residents, you are not alone, I can Help. If you are in debt, Chapter 7, Chapter 11 and Chapter 13 of the United States Bankruptcy laws provides you with immediate protection from your creditors and the elimination of some or all of your debts. We have helped residents of Irwindale and surrounding cities in obtaining relief under the bankruptcy code since 1997. Filing for bankruptcy may provide you with a chance to:
- 1) Rebuild your credit,
- 2) Buy a home,
- 3) Save for your children's education and your retirement.
- 4) Get A Fresh Start.
Please browse this site for information that you may require. However I encourage you to contact me, your Irwindale Ca bankruptcy lawyer. You have rights and you should know them by talking to an attorney, not a paralegal or a secretary. Ask to talk with me the attorney. I offer free on the phone or in person consultation. You will never be pressured to file bankruptcy with my office. In fact, after your initial consultation, I always recommed you go home and think about it and call me back if you want 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 our clients.
We can help Irwindale residents or residents of surrounding cities facing financial difficulty, or businesses in Irwindale encountering insolvency issues with solutions to wipe out, discount, modify, reduce interest and payments, or reorganize their debt under the relevant provisions of the bankruptcy code. We have been practicing in Bankruptcy since 1997.
We also provide emergency filing usually within 24 hours from the initial meeting. If you are facing imminent foreclosure of your home, or if your employer has been served with wage garnishment you need immediate action to stop the foreclosure or the garnishment. We can have your bankruptcy filed and stop the process under the automatic stay provision of the bankruptcy code. Call us immediately for help.
You can file under chapter 7 bankruptcy, also known as a straight bankruptcy, if your annual household income is below the median family income and most or all of your assets are exempt. Even if your income is above the median income, you may still qualify under the second portion of the Means Test base on your detailed expenses on secured property such as your house and vehicles, back tax obligations and other expenses. Call us and we will gladly schedule a free consultation to determine if we can file a chapter 7 for you. Chapter 7 will allow you to wipe out all dis-chargeable debt and as such its the preferred chapter to file under. Usually your bankruptcy is completed within 3 to 4 months.
Certain debts are Non dis-chargeable in a chapter 7 bankruptcy. These include, but are not limited to: most taxes, child support, alimony, student loans, court fines, and criminal restitution, and personal injury caused by willful and malicious conduct; or under the influence or drugs or alcohol and money or property obtained by fraud. If you are involved in a lawsuit or judgment has been obtained against you, it is important to present us with the pleadings so that we may be better able to advise you if the debt or judgment will also be discharged.
The median income in California is $48,140 for one household member, $64,878 for two household members, $70,890 for 3 household members and $79,477 for four household members you will need to add $6,900 for each additional household member in excess of 4.
If your family income is above state median, you may still qualify under the second portion of the Means test. However, if you have more assets than allowed under the exemptions of chapter 7, chapter 13 may be an option, provided you have sufficient regular income every month to fulfill a payment plan.
Chapter 13 is also useful if you have a home facing foreclosure, and your goal is to keep the home and you have the ability to make current the payment through the chapter 13 payment plan.
Chapter 13 does have limits on the amount of secured debt and unsecured debt. The proper classification of your debt is critical to ensure that chapter 13 is available for you. Under a chapter 13 plan, you will pay back your creditors all or a certain percentage of your debt back over a period or 3 to a maximum of 5 years.
Bankruptcy law under any chapter allows for exemptions on properties, such as home, car, household goods and furnishing, retirement funds, tools of trade, bank accounts, according to limits prescribed by the bankruptcy code. For example, Homestead exemption for a single is $75,000 and $100,000 for a married couple or unmarried individual with dependents. It increases to $175,000 for persons over 65, or disabled, or persons over 55 with low income. If you do not own a home, provisions of the California code allow you to keep assets of approximately $30,000.00 in different forms including cash or bank accounts.
The facts of each case are the basis upon which the decision to file bankruptcy is made and under which section you should file. We 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 the attorney. Serving Irwindale residents sine 1997.
Sincerely
Roland Kedikian, Esq.
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Contact Information
| roland@LosAngelesBKLaw.com | |
| Toll Free | (888) 55 BK LAW |
| (888) 552-5529 | |
| Tel | (818) 409-8911 |
| Fax | (818) 671-3207 |
Arcadia Office
33 East Huntington driveArcadia CA 91006
Tel: (626) 445-2411
Glendale Office
1153 N. Brand Blvd.Glendale, California 91202
Tel: (818) 409-8911
Pasadena Office
530 S. Lake Ave Suite 729Pasadena, CA 91101
Tel: (626) 698-3414 Maps | Directions
Reviews 
Dear Mr. Kedikian,
I have received your notice of the completion of my bankruptcy case and its discharge by the court. I want to personally thank you for all of your help. Everything happened exactly as you explained to me that it would. Thank you for your professionalism and your courtesy.
As you asvertised, you were always available to answer my questions and always returned my calls. You explained everything clearly and openly including your fees, which were very fair. I have talked to other people who have gone through this process with different attorneys. Although they may have paid slightly less for their services, they were dissatisfied with the results and with having to leave mesages for their attorneys that were not returned.
I appreciate the fact that you handle everything personally and were with me in court. After seeing the process, I am glad that I was not there alone. Having an attorney certainly makes a difference. Also, the atmosphere of your Arcadia office is very relaxing and puts one at ease. There was never any pressure to make a decision to hire you. Also, thank you for letting me make two payments for your services. It helps, especially under the circumstances that one comes to you. I have recommended you to several of my friends and I will send my comments to the links you have suggested. Also, I will look foreward to your future e-mails on establishing my credit again. Bankruptcy is always difficult both financially and emotionally.
Thank you again for making it as painless as possible for me.
God Bless you and your entire staff !
Tony L. (Email on file at our Glendale Office)
Dear Mr. Kedikian:
Thank you very kindly for the updated information. I also received formal written confirmation regarding the discharge by mail as well.
It is very comforting to know that that part is now behind us, and we (my wife and myself) can now begin to rebuild our financial lives once again. I am hopeful that this experience will prove to be invaluable for our future progress; that we will learn from that period and reflect upon it with great care, as to not fall victim to it again.
I want to thank you again, for all the support and professional guidance you have provided to us. Your ability to instill upon us a sense of confidence and assurance, that our problem would be resolved quickly and with little to no problems, was done so without any error to your judgment and expertise. And for that, I am truly thankful.
If for any reason that I should encounter anyone that I believe could benefit from your services, I will without hesitation, refer them to you.
Respectfully yours,
Derek & Ruth M. (Email on file at our Glendale Office)
Dear Mr. Kedikian,
Thank you for the news and the incredible service that I have received throughout this process. Many are looking for this kind of an experience and I will do the utmost possible to give them the right message.
Sargis S. (email on file at our Glendale office)
Mr. Kedikian was very helpful and understanding with all of the information. He made me feel very comfortable and never put me into any sort of an awkward situation when deciding if filing for bankruptcy was for me. He was very patient. I would highly recommend Mr. Kedikian to anybody who was considereing filing for bankruptcy and I would very much use him in the future if ever it was needed.
Thank you very much Mr. Kedikian
Google Review
Whenever I needed to speak with Mr. Kedikian He was always there to answer my questions or concerns I may have had.He handled my bankruptcy and made the entire process stress free.
Bedros K.
Trust Link Review