Lever Law has helped countless individuals in Orange County file for bankruptcy and get their fresh start. Whether you’re from Irvine or Anaheim, Buena Park or Newport Beach, financial hardship can occur that you can’t get out of by yourself. That’s what bankruptcy is for and why Lever Law has dedicated itself to serving Orange County residents for almost two decades.

More bankruptcies are filed in the Central District of California in which Orange County sits than any other bankruptcy court district in our country. Why? There are many reasons, but chief among them is that it is expensive to live here. Our housing and transportation costs, combined with a higher than average tax burden makes it easy to fall into insolvency. The California dream is the epitome of the American dream, and so there is intense competition for all manners of professions, trades and businesses. Getting overextended in Orange County is just easier than elsewhere. At Lever Law we understand this, and more importantly, we can do something about it.

We use the internet to make it easy and practical to use our services without having to drive down to our offices. We are the only Orange County firm we know of that use internet appointments for most of the work. We might only meet face to face once, at the initial consultation. That makes a lot of difference whether you live in Costa Mesa, Garden Grove, Fountain Valley, Stanton, Westminster or any other part of the quiltwork that is Orange County, even though we’re just minutes away by freeway.

You really need to have a professional consultation to figure out whether bankruptcy is right for you. If there were a simple formula where you could determine that yourself, we would publish it because it would make our job easier. Unfortunately, that is not the case. Every case is singular. Many people I consult with will not profit from a bankruptcy whereas others will. We offer free consultations so that there is no hurdle to realistically assessing your case.

While we occasionally file Chapter 11 cases for individuals, most of our cases are filed under Chapter 7 or Chapter 13. Click on the links above to find out more about these chapters of bankruptcy. For now, the main differences are that Chapter 7 is quick and relatively easy and the most often filed chapter, and the Chapter 13 is a reorganization that allows you to catch up on mortgage payments and do some other maneuvers not possible in Chapter 7.

The choice of chapter you file is the next big question you need to answer after you make the determination you need to file a bankruptcy. This should also be done after a full consultation with a professional such as Lever Law. We help you make this decision as objectively as possible with your best interests in mind.

Living in Orange County is expensive, but a bankruptcy consultation is not. For a free consultation, call today to speak with an experienced bankruptcy attorney. We want to help you get the relief you need and deserve. We will review your cases and offer a flexible payment plan which is customized to your unique situation.