Riverside County, California Bankruptcy Lawyers

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Michael Jay Berger

10.0

(1 Peer Review)

11801 Pierce Street Suite 200
Riverside, CA 92505

Free ConsultationRiverside County, CA Bankruptcy Lawyer with 37 years experience
Bankruptcy, Appeals, Collections and Foreclosure Defense
University of California - Hastings College of the Law

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Serving Los Angeles, Beverly Hills, San Fernando Valley, Santa Ana, Santa Barbara and Riverside. I am a Certified Specialist in Bankruptcy Law. I am an "AV"* rated attorney with 36 years of experience in solving bankruptcy problems. I am a Mensa certified genius with a strong ability to analyze and solve problems. If you are being hounded by creditors, I can legally erase your debts and get you a fresh start. If your business needs reorganization, I can give you protection from your creditors while you reorganize. If you have a claim against an individual or company that has filed...

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Karen E. Lockhart

Riverside County, CA Bankruptcy Lawyer with 25 years experience

(951) 698-5191 38975 Sky Canyon Dr
#211
Murrieta, CA 92563

Free ConsultationBankruptcy, Criminal, Domestic Violence and Juvenile
Western State University College of Law

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Because You Deserve The Best: Murrieta criminal defense attorney Karen E. Lockhart has one of the most widely recognized names in the Riverside County criminal justice system. She has devoted her practice to Criminal Law for more than 25 Years and has successfully represented OVER 1000 CRIMINAL CASES. Her practice is dedicated solely to the representation of individuals who have been arrested and charged with committing criminal offenses. Her success rate in defending criminal cases is among the highest, from simple trespass to first degree murder. If you have been arrested and charged with a crime, the prosecutor...

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Michael John Harrington

Riverside County, CA Bankruptcy Attorney with 27 years experience

(760) 347-4445 125 E. Tahquitz Canyon Way
Suite 203
Palm Springs, CA 92262

Free ConsultationBankruptcy, Divorce, Estate Planning and Family
Univ of LaVerne COL

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An understanding lawyer with compassion. Listens to his clients concerns and develops a plan to best meet them. Early in my career I practiced criminal, juvenile delinquency and juvenile dependency law. This background still helps today. My practice focuses on typical family needs. Family law, child custody, consumer bankruptcy, and elder care. More recently, I have expanded to offer services to small and family businesses.

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Richard Gaines Heston

Riverside County, CA Bankruptcy Attorney with 40 years experience

(951) 290-2827 4192 Brockton Avenue
Suite 100
Riverside, CA 92501

Free ConsultationBankruptcy, Divorce and Family
Southwestern Law School

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Having practiced for 29 years in both bankruptcy and family law, two often related fields of practice effecting consumers, I have gained considerable expertise as well as an understanding that consumers are seeking prompt resolution of such issues with the least conflict and at the lowest cost. Being among a small handful of dual Certified Specialists in both Bankruptcy and Family Law, I am frequently sought out by attorneys and litigants whose cases originating in one field have spilled over into the other, where knowledge and experience in both areas is essential.

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Stephen B Mashney

Riverside County, CA Bankruptcy Attorney with 26 years experience

(800) 555-6655 12321 Magnolia Ave, Suite D
Riverside, CA 92503

Free ConsultationBankruptcy, Personal Injury, Products Liability and Workers' Comp
San Francisco Law School

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Born on the 4th of July, Stephen Mashney has independence in his genes! Since childhood, he confronted bullies & fought his way from elementary school till today. Stephen will not look the other way when he sees injustice. He will fight for the underdog & win. Stephen has compassion for & respect to others including animals. As a child, Stephen adopted countless stray cats & dogs & he would not hurt a fly today.
In 1978, Mr. Mashney received his Bachelor of Pharmacy degree from Cairo University, Egypt & worked as a pharmacist in Ramallah. In 1979, he immigrated...

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John F. Brady

Riverside County, CA Bankruptcy Attorney with 40 years experience

(951) 682-3050 4308 Lime Street, Ste. 200
Riverside, CA 92501

Free ConsultationBankruptcy, Business, Foreclosure Defense and Real Estate
Univ of San Diego School of Law

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Our bankruptcy attorneys have over 35 years of specialized experience in foreclosure defense, debt relief and bankruptcy law. Our San Diego and Riverside foreclosure attorneys and bankruptcy attorneys have helped many individuals, families and businesses with saving their home and handling debt problems by filing one of the forms of bankruptcy. For many individuals, families and businesses filing bankruptcy with a personal bankruptcy attorney is often the best solution for saving their house and solving debt problems as it gets rid of debts and will give you a fresh start. This is what we like to call the bailout...

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William L Huestis

Riverside County, CA Bankruptcy Attorney with 12 years experience

(888) 815-3546 11801 Pierce St., #200
Riverside, CA 92505

Bankruptcy, Elder, Estate Planning and Probate
Chapman University Fowler School of Law and Chapman University Fowler School of Law

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Charles Josiah Schurter

Riverside County, CA Bankruptcy Attorney with 25 years experience

(951) 278-2224 1450 W 6th St #116
Corona, CA 92882

Free ConsultationBankruptcy, Employment and Family
Western State Univ COL

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Since 1995 I have been in private practice in areas relating to employment, divore and family law matters, contracts, personal injury, and as corporate counsel. Recently I am concentrating my practice on bankruptcy, loan modifications, alternatives to bankruptcy, and other consumer debt realted matters. Although my main office is located in Corona, Ca., geographicaly, I practice throughout Riverside County and Orange County, California.

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Neil Robert Hedtke

Riverside County, CA Bankruptcy Attorney with 8 years experience

(951) 339-2422 24384 Sunnymead Blvd.
Suite 140
Moreno Valley, CA 92553

Free ConsultationBankruptcy, Elder, Foreclosure Defense and Probate
University of La Verne College of Law

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Neil R. Hedtke is licensed to practice law in both California and Arizona. Mr. Hedtke received his Bachelor of Science at the United States Military Academy at West Point, New York in 1992. After graduating, he served five years in the United States Army and is a graduate of the Airborne and Ranger schools.
Mr. Hedtke attended the University of La Verne College of Law, where he received his Juris Doctor degree.
Prior to opening his own practice, Mr. Hedtke practiced law with several local law firms as an Associate. Over the past several...

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Robert Lewis Firth

Riverside County, CA Bankruptcy Lawyer with 43 years experience

(760) 770-4066 68910 Adelina Rd.
Cathedral City, CA 92234

Bankruptcy, Estate Planning, Probate and Real Estate
Washington University School of Law

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First of all, thank you for visiting my website and taking the time to learn about me and what I do to help my clients. When you get to know me, you will find that I am all about integrity, trust and doing the right thing to help my clients solve their problems.

I have over thirty five years of experience in law, business, real estate, government and politics. I have settled in the Palm Springs area because I love the weather, the people and the lifestyle. (I’ve given up wearing ties except when I am in court or at a...

Sanaz Sarah Bereliani

PREMIUM

Sanaz Sarah Bereliani

California Bankruptcy Lawyer with 11 years experience

(818) 920-8352

Sanaz Sarah Bereliani received her J.D. from Whittier College School of Law, with a focus on reorganization and bankruptcy. During law school, she worked as an invaluable law clerk to a prominent Superior Court of... Read More »

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Christopher Donald Hewitt

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Christopher Donald Hewitt

Riverside County, CA Bankruptcy Lawyer

(760) 459-2438
Free Consultation

Golden Gate UniversityCalifornia, U.S. District Court, Central District of California, U.S. District Court, Eastern District of California, U.S. District Court, Northern District of California and U.S. District Court, Southern District of...

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Todd Turoci

Riverside County, CA Bankruptcy Attorney with 26 years experience

(888) 332-8362 3845 Tenth Street
Riverside, CA 92501

Free ConsultationBankruptcy
University of the Pacific, McGeorge School of Law

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Todd Turoci, a practicing attorney for over 20 years says his practice can be summed up in three simple words: Experience, Integrity, and Professionalism.

He has dedicated his career to helping residents and businesses in the High Desert obtain meaningful debt relief solutions. He provides each client with an in-depth examination of their financial situation and helps them make informed decisions regarding their short-term and long-term financial goals.

Working one-on-one with clients he personally handles all bankruptcy-related legal matters on their behalf. He will help you determine whether filing for bankruptcy is in your best interest and can assist you in pursuing...

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Charles Scott Rudibaugh

Riverside County, CA Bankruptcy Lawyer with 39 years experience

(951) 652-1400 901 S State St
Ste. 100
Hemet, CA 92543

Free ConsultationBankruptcy, Divorce and Family

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Locally owned and operated, the attorneys at Bloom & Rudibaugh Law Firm proudly serve the Hemet, Temecula, Murrieta, and Riverside County areas. We are our clients’ best advocates, offering legal advice and counsel as we help you through your time of need.

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Norma Duenas

Riverside County, CA Bankruptcy Attorney with 11 years experience

(951) 294-5471 41690 Enterprise Cir N
#202
Temecula, CA 92590

Bankruptcy, Business, Foreclosure Defense and Immigration
University of San Diego School of Law

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Consumer bankruptcy attorney representing clients in Southern California.

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Christopher Donald Hewitt

Riverside County, CA Bankruptcy Lawyer

(760) 459-2438 74361 Highway 111
#7
Palm Desert, CA 92260

Free ConsultationBankruptcy, Collections and Foreclosure Defense
Golden Gate University

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Kenneth Sisco

Riverside County, CA Bankruptcy Lawyer with 42 years experience

(714) 265-7766 3574 Bluff Street
Norco, CA 92860

Free ConsultationBankruptcy, Business and Legal Malpractice
Southwestern Univ School of Law

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The only thing worse than getting beat up, is getting beat up by the one who is supposed to protect you. You are not alone. When you are let down by the person in whom you placed your utmost Trust, you need a very special kind of representation. I have Decades of experience aggressively dealing with attorneys from all areas of practice.

EDUCATION
Graduated from Paramount High School, Paramount, California, 1962
Graduated from California State University, Long Beach, Long Beach, California, 1968. B.S. Degree in Social Sciences. B.S Degree in Political Science.
Graduated from Southwestern University School of Law,...

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David Aaron Wiesen

Riverside County, CA Bankruptcy Attorney with 28 years experience

(760) 340-1800 73-625 Highway 111
Suite G
Palm Desert, CA 92260

Free ConsultationBankruptcy, Criminal, DUI and Tax
UC Hastings COL

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Mark Albert Mellor Esq.

Riverside County, CA Bankruptcy Lawyer with 26 years experience

(951) 222-2100 6800 Indiana Ave
Suite 220
Riverside, CA 92506

Bankruptcy, Business, Construction and Real Estate
Southwestern Law School

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Mr. Mellor obtained his Bachelor of Science Degree from Cornell University in 1988. While at Cornell he was a member of Cornell University's National Debate and Forensics Team, repeatedly recognized as an exceptional debater and individual public speaker throughout the country. Mr. Mellor obtained his Juris Doctorate from Southwestern University School of Law in 1992. He was admitted to both the California and the District of Columbia Bars and has been practicing law for over 21 years in both state and federal courts, including the Ninth Circuit Court of Appeals. Mr. Mellor started his own Real Estate and Business Litigation...

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Winfield Smith Payne III

Riverside County, CA Bankruptcy Attorney with 40 years experience

(951) 276-9300 3600 Lime Street #311
Riverside, CA 92501

Free ConsultationBankruptcy, Business and Consumer
Western State Univ

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When you seek out help at The Law Office of Winfield S. Payne III, you can rest assured in the help you can procure from a bankruptcy lawyer in Riverside. Bankruptcy is a serious issue, but you do not need to be unduly alarmed by it. Instead, be proactive and obtain the representation of Attorney Payne, a trustworthy and experienced lawyer. Attorney Payne attended Chapman College, where he obtained his Bachelor of Arts degree. From there, he went on to earn his law degree at Western States University College of Law. He later obtained his M.S. degree at Golden Gate...

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David Nelson

Riverside County, CA Bankruptcy Lawyer with 25 years experience

(951) 200-3613 24630 Washington Ave, Ste 202
Murrieta, CA 92562

Free ConsultationBankruptcy
California Western School of Law

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You can get Rid of Your 2nd Mortgage or HELOC and KEEP your HOME! Call me for a free consultation right now. 800 FILE AWAY 800 345 3292 I graduated in the top 15% of my class from California Western School of Law in San Diego in December 1993. I took the bar and passed it the first time in February 1994. I obtained the results of the exam and was sworn in on June 1, 1994. At the time, there was a nationwide recession, it was only natural to open a bankruptcy practice at the time. So, I did. I have been...

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Kathleen G. Alvarado

Riverside County, CA Bankruptcy Lawyer with 34 years experience

(951) 682-6630 7177 Brockton Avenue
Suite 335
Riverside, CA 92506

Free ConsultationBankruptcy, Criminal, DUI and Domestic Violence
Loyola Law School, Los Angeles

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Kathleen G. Alvarado is an accomplished advocate who is relentless in her goals of obtaining the best settlements and verdicts for her clients. She is not afraid to be firm in her convictions. She leaves no stone unturned, and investigates every option available when working for her clients. Ms. Alvarado is a graduate of Loyola Marymount where she earned her undergraduate degree. She earned her Juris Doctor degree at Loyola Law School. Prior to entering private practice, Ms. Alvarado served as a Deputy District Attorney for San Bernardino. While serving as a Deputy District Attorney for...

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Miguel A. Valente

Riverside County, CA Bankruptcy Lawyer with 11 years experience

(760) 863-2161 82850Highway 111
SUITE A
Indio, CA 92201

Free ConsultationBankruptcy, Criminal, DUI and Traffic Tickets

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Nancy Moffit

Riverside County, CA Bankruptcy Attorney with 14 years experience

(951) 529-8836 43533 Ridge Park Dr. Ste E
Temecula, CA 92590

Free ConsultationBankruptcy and Criminal

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My goal is to provide each client with competent legal representation and honest advice. I will represent my clients in an aggressive, supportive and honest manner in order to achieve the results they deserve. My clients will discover that when they arrive at my office they are greeted by an Experienced, Competent and Caring Attorney who will provide personal attention to their case and answer the many questions they may have. I am a no-nonsense attorney who will tell my clients what they need to know. Call today for your FREE INITIAL CONSULTATION (951)529-8836 Special rates for our military...

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Scott Talkov

Riverside County, CA Bankruptcy Attorney with 9 years experience

(951) 682-1771 3880 Lemon St., Fifth Floor
Riverside, CA 92501

Bankruptcy, Business and Real Estate
Washington University School of Law

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Scott Talkov joined Reid & Hellyer in August 2009 after serving as a Summer Law Clerk with the firm in 2008. The emphasis of his practice is in real estate and business litigation. Scott graduated cum laude from of Washington University in St. Louis School of Law, where he sat on the Board of Editors and served as the Online Supplement Editor for the Washington University Law Review. He was also a research assistant for noted land use professor Daniel R. Mandelker and received numerous academic awards, including the Honor Scholar Award for outstanding academic achievement, CALI Award of Excellence for...

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Jenny Lynn Doling

Riverside County, CA Bankruptcy Lawyer with 18 years experience

(760) 341-8837 36-915 Cook Street, Suite 101
Palm Desert, CA 92211

Free ConsultationBankruptcy, Collections, Consumer and Landlord Tenant
California Western School of Law

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Jenny L. Doling is a founding partner of DOLING SHAW & HANOVER, APC, a bankruptcy and insolvency firm serving Southern California and Las Vegas, Nevada, with its main office in Palm Desert, California. Ms. Doling represents trustees, creditors and debtors in chapter 7, 11, 12, and 13 bankruptcy matters. Ms. Doling is a serious advocate for her clients.

She is an active member of the bankruptcy bar. She serves on the Board of Directors for the National Association of Consumer Bankruptcy Attorneys (NACBA) www.nacba.org. She speaks nationally on Consumer Bankruptcy issues for NACBA, NACTT, NCBJ, and ABI. ...

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Jeremiah Raxter

Riverside County, CA Bankruptcy Lawyer with 7 years experience

(951) 226-5294 27186 Newport Rd
Menifee, CA 92584

Bankruptcy, Animal, Business and Collections
University of Southern California Gould School of Law

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Jeremiah Raxter, is the founder and principal attorney of RAXTER LAW, P.A. Admitted to both the California State Bar and the United States District Court of the Central and Southern Districts, and a Certified Veterans Attorney with the Veterans Administration. Prior to entering law practice, Jeremiah was a National Sales Specialist with a large electronics company and a Law Enforcement Officer in Southern California. Currently, his practice is focused on Probate, Estate Planning, and Business Law. He represents businesses of all sizes everything from hair salons to governmental agencies. Jeremiah is one of the few attorneys that practices in all...

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Leonard Jack Cravens

Riverside County, CA Bankruptcy Lawyer with 18 years experience

(866) 223-0353 45902 Oasis St. STE C
P.O. Box 2714
Indio, CA 92202

Free ConsultationBankruptcy, Criminal, Foreclosure Defense and Landlord Tenant
Lincoln Law Sch of San Jose

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Jeffrey Thomas Gwynn

Riverside County, CA Bankruptcy Lawyer with 23 years experience

(951) 684-3774 6346 Brockton Avenue
Riverside, CA 92506

Bankruptcy, Business, Construction and Personal Injury
Boston University School of Law

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20+ year resident of Riverside. Graduate of Boston University School of Law, 1995. Member of the State Bar of California and the State Bar of Texas. Admitted to the United States District Court for the Eastern, Northern, Southern, and Central Districts of California.

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James Charles Shields

Riverside County, CA Bankruptcy Attorney with 24 years experience

(888) 910-6652 3600 Lime St., Building 4
Suite 412
Riverside, CA 92501

Bankruptcy, Estate Planning and Probate
Loyola Marymount University

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High caliber legal representation can be difficult to find these days. When you work Attorney James C. Shields, you can feel confident knowing that you have an experienced legal advocate on your side. Attorney Shields has nearly three decades of legal experience and he strives to use that experience and knowledge to help his clients make informed decisions about their future. Mr. Shields specializes in bankruptcy law and he has helped countless clients fight for a fresh start. He also defends against foreclosure and repossession if you are behind on your mortgage payments. He deals with bankruptcy everyday and he...

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James Thomas Lillard

Riverside County, CA Bankruptcy Attorney with 35 years experience

(951) 296-0053 41707 Winchester Road
Suite 205
Temecula, CA 92590

Free ConsultationBankruptcy, Divorce, Family and Probate
Southwestern University School of Law and University of Las Vegas

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Barry Lee O'Connor

Riverside County, CA Bankruptcy Lawyer with 31 years experience

(951) 689-9644 3691 Adams St
Riverside, CA 92504

Bankruptcy, Collections and Landlord Tenant
Western State Univ COL

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Eviction Attorney Barry O'Connor represents landlords in the counties of Riverside and San Bernardino.

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Attorney John Joseph Buckey Jr.

Riverside County, CA Bankruptcy Attorney with 25 years experience

(951) 278-2224 1450 W 6th St
Ste. 116
Corona, CA 92882

Free ConsultationBankruptcy, Divorce and Family
Western State College of Law at Argosy University

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Have MBA and Law Degree, specialize in bankruptcy, family law, Divorce

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Edward Gerard Topolski

Riverside County, CA Bankruptcy Lawyer with 25 years experience

(877) 765-2889 158 South Harvard Street
Hemet, CA 92543

Free ConsultationBankruptcy, Divorce and Family

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I’m Attorney Ed Topolski. My firm was established in 1993 to provide quality and affordable legal services in the areas of bankruptcy and family law for individuals throughout the Inland Empire.

If you are considering filing for Chapter 7 or Chapter 13 bankruptcy or involved in a family law case, call me - I WILL HELP YOU! The legal system can be really frustrating when you are trying to learn about your rights and work your way through the system. Call me today and schedule an appointment for a FREE initial consultation. We will...

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Thomas Lee Watkins

Riverside County, CA Bankruptcy Attorney with 27 years experience

(951) 849-0326 12 S San Gorgonio Ave
Banning, CA 92220

Free ConsultationBankruptcy, Business, Divorce and Foreclosure Defense
Western State Univ COL

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David Robert Gunnin

Riverside County, CA Bankruptcy Attorney with 40 years experience

(909) 667-2694 3600 Lime Street
Suite 311
Riverside, CA 92501

Bankruptcy and Tax
Western State Univ

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Attorney Gunnin is ready to take on your case and support you! When you come to the Law Offices of David R. Gunnin, a Chino bankruptcy lawyer will be glad to come to your assistance and support you. Attorney Gunnin obtained his Bachelor of Science degree at the University of North Carolina. He later furthered his education by earning his Juris Doctorate from Western State University College of Law. He has a thorough understanding of bankruptcy law, having served clients for more than 34 years. He is a member of the Inland Empire Bankruptcy Forum and the California State Bar...

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Martha Warriner

Riverside County, CA Bankruptcy Lawyer with 42 years experience

(951) 682-1771 3880 Lemon Street, 5th Floor
RIVERSIDE, CA 92501

Bankruptcy, Collections and Consumer

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Patricia Moore Ashcraft

Riverside County, CA Bankruptcy Lawyer with 36 years experience

(951) 304-3431 25096 Jefferson Avenue, Suite A4
Murrieta, CA 92562

Bankruptcy
Western State Univ

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Mark Cherney Schnitzer

Riverside County, CA Bankruptcy Attorney with 48 years experience

(951) 682-1771 3880 Lemon Street, 5th Floor
RIVERSIDE, CA 92501

Bankruptcy, Arbitration & Mediation, Business and Collections
Univ of Richmond T C Williams School of Law

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Melody Ann Trujillo

Riverside County, CA Bankruptcy Lawyer with 28 years experience

(951) 296-9529 41593 Winchester Rd #201
Temecula, CA 92590

Bankruptcy, Divorce, Family and Personal Injury
McGeorge School of Law Univ of the Pacific

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Melody Trujillo is a graduate of McGeorge School of Law who brings to her clients 28 years of legal practice. She and her partner have successfully litigated thousands of cases in Southern California. Ms. Trujillo practices primarily in Family Law representing clients in Hemet, Riverside, San Bernardino, Victorville and all of the San Diego Courts. She is dedicated to her clients. The attorneys and paralegals at Trujillo & Trujillo, APLC are all caring individuals who put their client's needs as paramount. Each paralegal has at minimum a paralegal certificate and an Associate Degree. The...

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Kevin Cortright

Riverside County, CA Bankruptcy Lawyer

(951) 677-8064 29970 Technology Drive
Suite 211
Murrieta, CA 92563

Bankruptcy, Estate Planning, Foreclosure Defense and Insurance Claims

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Helping people is at the core of why I decided to practice law. Although I believe people are pretty smart and well informed, knowing and understanding the law can be tough. It’s hard enough for people to deal with these financially trying times, let alone having to try to deal with them alone. Practicing Bankruptcy and Personal Injury law allows me many opportunities to step in and help people who would be left to deal with problems they’re simply not qualified to deal with. Every client and every case is important. Foreclosures have been stopped, homes have been saved and excessive...

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Benjamin R. Heston

Riverside County, CA Bankruptcy Lawyer with 4 years experience

(949) 222-1041 4192 Brockton Avenue
Suite 100
Riverside, CA 92501

Bankruptcy
Southwestern Law School

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Bankruptcy Lawyers in Nearby Cities

FAQ Lawyers Get Listed

Riverside County Bankruptcy Legal Aid & Pro Bono Services

Legal Services Program for Pasadena and San Gabriel-Pomona Valley
(909) 622-7455
Pomona, CA

Legal Aid Society of Orange County
(714) 571-5245
Santa Ana, CA

Related Practice Areas

Collections
Consumer Law
Foreclosure Defense

Considering Bankruptcy?

Bankruptcy law allows debtors, who are unable or partially unable to pay outstanding debts, to rid themselves of these debts and obtain a fresh start. Both federal and state laws can affect a debtor seeking to file for bankruptcy, and an attorney can help you understand how state and federal bankruptcy laws apply to you.

If you are struggling with high debt, receiving calls from creditors or collection agencies, or facing foreclosure, garnishment of wages, or repossession of property, filing for bankruptcy may provide you with solutions.

Bankruptcy lawyers offer legal advice and services during a financial crisis. In total, there are six different types of bankruptcy. For persons seeking debt relief, one option is Chapter 7 bankruptcy, which provides for liquidation of the debtor's non-exempt assets. Another popular option for individuals is Chapter 13, which allows for management and reduction of debt through payment plans. Corporations and partnerships filing for bankruptcy often choose to file under Chapter 11, which provides for supervised reorganization of the business.

Experienced bankruptcy counsel can help you evaluate whether you should pursue a bankruptcy as well as the Chapter under which to file. Bankruptcy lawyers can also help end harassing phone calls from debt collectors and evaluate available legal options when facing a home foreclosure.

Automatic stay: An injunction that automatically stops lawsuits, foreclosures, garnishments, and most collection activity against the debtor the moment a bankruptcy petition is filed.

Unsecured claim: A debt for which credit was extended based solely upon the creditor's assessment of the debtor's future ability to pay, rather than on a special assurance of payment.

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