Long Beach Bankruptcy Lawyers -

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(805) 232-7265

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GRENNIER LAW, PC

The Law Firm Southern California Calls When It Counts

SE HABLA ESPAÑOL

Our Areas Of Practice

Ready To Help You With Any Debt Issues You Face

Specific Areas Of Concern

How It Works

Our 4-Step Process Will Help You Resolve Your Debt Concerns

STEP 1

Call to speak to an attorney now or schedule a consultation at your convenience

STEP 2

Discover your best option

STEP 3

Let Wadhwani & Shanfeld help you

STEP 4

Enjoy your fresh start

Schedule Your Consultation Today

Please Fill Out The Form Below Or Call Us At 805-223-7900

Ventura Bankruptcy Lawyers

Facing financial difficulties is an intimidating experience. Demands made by creditors, harassing debt collection calls, and threats of legal action can quickly become a major problem. At Wadhwani & Shanfeld, we have decades of combined experience in these types of cases and can help you get relief from even the most pressing financial problems. With over 25,000 satisfied clients and an A+ rating from the Better Business Bureau, you can count on our legal team to provide the caring support, trusted guidance, and professional legal representation you need. Contact our experienced Long Beach bankruptcy lawyers today.

Our Long Beach Bankruptcy Attorneys Have Over 75 Years of Combined Experience Helping Clients

Dealing with debt problems can take a heavy toll on every area of your life. It can impact your relationships, your ability to enjoy your favorite activities or focus on work, and may eventually cause harm to both your physical and emotional health.

If you are facing this type of serious situation, help is available. At Wadhwani & Shanfeld, our Long Beach bankruptcy attorneys have over 75 years’ worth of combined experience helping clients from all walks of life. We find practical solutions to the most pressing financial problems. Actions we can take on your behalf include:

Arranging for a consultation to review all the circumstances surrounding your current situation;
Advising you on the various options available to provide needed relief;
Protecting your income, property, and other assets from the actions of debt collectors;
Putting a stop to creditor collection hassles and other adverse actions you may be facing.

We Find Solutions To Your Most Pressing Financial Problems

Financial problems can occur due to unexpected bills, job losses, and issues in your personal life or with your health. These can cause you to incur additional debts while falling behind on current payments owed. Unfortunately, this creates a vicious cycle that can quickly become impossible to recover from.

At Wadhwani & Shanfeld, we provide solutions and help you avoid lawsuits that can result in foreclosure, wage garnishment, asset seizure, property liens, and other adverse actions. The sooner you address the situation, the sooner you can begin rebuilding your financial security and your credit rating. Let our Long Beach bankruptcy attorneys advise you on the options available. These may include:

Chapter 7 bankruptcy, which allows you to liquidate assets and completely eliminate unsecured debts;
Chapter 11 bankruptcy, which allows you to discharge certain debts while making more reasonable payment plans on others;
Debt settlement, which involves out-of-court negotiations to avoid bankruptcy proceedings;
Foreclosure protection, which can help avoid adverse actions and protect your investment in your home.

Contact Wadhwani & Shanfeld To Request A Consultation Today

Whether you are dealing with tax debts, a defaulted mortgage or student loans, or outrageous balances on credit cards, you can count on Wadhwani & Shanfeld to help you find the best solution to your financial problems. Let us help you get a fresh start. To request a consultation, contact our Long Beach bankruptcy attorneys today.

Virtual Consultations Are Available

for Your Convenience We Offer 100% Virtual Consultations

Frequently Asked Questions

Get Answers To Your Questions About
Bankruptcy And Debt Reduction

Will my employer find out I filed for bankruptcy?

Your employer will not automatically be notified if you file for bankruptcy. Unless you tell them, there is no reason they will find out about it, except in certain circumstances. For instance, your employer could find out about your bankruptcy in the following situations:

If you owe your employer money for some reason, they are a creditor who will be notified of the bankruptcy.
If your wages are currently being garnished to pay debts, a bankruptcy filing puts an automatic stay on that garnishment. Your employer will be notified about the stay and ordered to stop garnishing your wages, so they’ll find out about your bankruptcy that way.
If you file a Chapter 13 bankruptcy, the repayment plan might include wage deductions to go toward the plan. This is for your benefit to help you stick to the plan, but your employer would become aware of the bankruptcy when ordered to make the deductions.

Even if your employer does find out you filed for bankruptcy, that fact should not get you fired or subject you to otherwise unfavorable job treatment. If you become the subject of some adverse job action after filing and think you are being unfairly treated, a labor and employment lawyer might be able to help you.

If you are applying for a new job and have a bankruptcy on your record, this fact will come to light if the employer runs a credit check. Government employers are not permitted to use a bankruptcy against you in making a hiring decision, but private employers are not prohibited from doing so.

Can I save my property if I file for bankruptcy?

Yes! One of the biggest worries we hear from people who have heard the word “liquidation” in connection with bankruptcy is the fear that all of their property will be seized and sold to pay their creditors as part of the bankruptcy process. Chapter 13 does not require you to relinquish any property at all, and in Chapter 7, the bankruptcy trustee can only take assets that are “non-exempt.” We work diligently through the entire list of available exemptions, and in almost every case we handle, our clients don’t lose any of their property as a result of filing for bankruptcy. They do lose most or all of their debt, though!

How much of my wages could get garnished by a creditor?

A creditor with a court order in hand can seek to garnish your wages to cover what you owe them. They can take a pretty big bite out of your wages, but there are limits. Under federal law, creditors cannot garnish more than 25% of your disposable income or the amount of your disposable income that is over 30 times the federal minimum wage. California provides even stronger consumer protections. Here, creditors are limited to 25% of your disposable income or half the amount of disposable income that is over 40 times the California minimum wage (or the local minimum wage if higher than the state minimum). It’s also possible to get an even bigger exemption in California based on a showing of need.

Filing for bankruptcy invokes an “automatic stay” on all debt collection, including wage garnishments. Wage garnishments stop as soon as you file for bankruptcy, and if the debt behind the garnishment is dischargeable, bankruptcy can make the garnishment go away for good.

What if I previously filed for bankruptcy and need to file again?

Although bankruptcy can be a great solution to get you out of present financial difficulties, it’s not uncommon that some people later find themselves back in financial trouble. You can file for bankruptcy even if you have done so previously, subject to limitations. After a Chapter 7 discharge, you would have to wait four years to file for Chapter 13 or eight years to file another Chapter 7. After completing a Chapter 13 repayment plan, you would have to wait two years to file for Chapter 13 again or four years to file for Chapter 7.

How can I get a bankruptcy removed from my credit report?

Unfortunately, only the passage of time will take a bankruptcy off your credit report, despite any claims to the contrary from so-called “credit repair” companies. By law, a Chapter 13 bankruptcy stays on your credit report for seven years, while a Chapter 7 bankruptcy stays on your credit report for ten years. That said, you can still start repairing and rebuilding your credit even while the bankruptcy is on your record.

Which is better, bankruptcy or debt settlement?

A lot of factors go into answering that question, including the number of creditors you have and the amounts you owe, who your creditors are, your overall income and expenses, what kinds of property you own, and more.

We can answer that question for you after we have talked to you and learned about your personal situation. So call us now, and talk to an attorney now to answer your questions and address your concerns.

If you are in over your head with credit card bills, mortgage payments, personal loans or other debts, you are likely stressed out over the situation, and rightly so. But a lot of worry and anxiety in this situation comes from not knowing your options or what you can expect to happen.

What Clients Are Saying

Success Stories In Their Own Words

"Thanking Attorney Raj for a thorough and quick solution to my financial issues."

Thanking Attorney Raj for a thorough and quick solution to my financial issues. Bernardita A.

“His service was very professional, quick and effective. I highly recommend this firm.”

I filed bankruptcy with the help of Atty. Greg Shanfeld. His service was very professional, quick and effective. I highly recommend this firm. I am extremely grateful for their service. Benito M.

"Raj and his staff were very knowledgeable and professional. I appreciate all the help and service you all have given to me. Thank you!"

Raj and his staff were very knowledgeable and professional. I appreciate all the help and service you all have given to me. Thank you! Stacy W.

“From the very first contact, this firm gave me a good impression. It was the only firm that answered the phone! I said, "this one´s it! They´re serious. They want to work!!" so, from the very beginning I was sold.”

I will not hesitate to recommend this firm and Raj to all my family and friends Lucy C.

“Very professional, helpful. Would recommend to anyone.”

Would recommend to anyone. Jose P.

“5 stars very very helpful. walked me through filing .”

5 stars Joan B.

“Very professional, easy process and always available to answer questions, Thank you”

Very professional Ikram Kacem N.

“His service was very professional, quick and effective. I highly recommend this firm.”

I filed bankruptcy with the help of Atty. Greg Shanfeld. His service was very professional, quick and effective. I highly recommend this firm. I am extremely grateful for their service. Stephen G.

“I very much liked Raj and his staff and I would give them 100 stars if possible. I was kept informed and very happy with the end results. Thanks again...Steve”

I would give them 100 stars if possible Christopher & Jillian W.