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     ATTORNEY PROFILE


      OPERATING HOURS

     We offer convenient evening
     and week end appointments,
     with prior reservations.
     Regular office hours are
     M-F 9:00 a.m. to 5 p.m.

     COURTS WE APPEAR AT

     We appear in all courts in Los-
     Angeles, Ventura, San Bernardino,
     and Orange County. Our practice is
    limited to the state of California

     LANGUAGES WE SPEAK:

    We speak English and Farsi.
    upon request we will arrange
    for Spanish or Armenian
    speaking Interpreters.

    Address:
    15260 Ventura Blvd. Suite 1740
    Encino, CA 91403

    Tel: 818 379 1777
    Tel: 888 879 1777
    Fax: 818 488 5124

      PAYMENT TERMS

      Payment is due upon signing
      our written retainer. We accept
      all major credit cards. cash,
      checks, Western Union and wire
      transfers.

Real Estate Law

In the years we have been in practice, our office has successfully litigated, mediated and arbitrated numerous real estate matters to a final conclusion. Our office has litigated or obtained settlements in: Quiet title actions, Breach of contract, specific performance, escrow and inter-pleader actions, easements and setback matters, failure to disclose, broker disputes, financing and disclosure issues, loan fraud,
prepayment matters, land boundary disputes, zoning issues, code violations, partitions, quite title actions, homeownership disputes, partnership disputes, commercial lease litigation. We also review title reports, purchase and sale agreements, and negotiate commercial leases.
In light of Southern California's stagnant real estate market, a recent phenomena, we are now advising our clients on alternatives to foreclosure such as a loan workout, forbearance, loan modification, short sale, Deed in Lieu of foreclosure, and bankruptcy. To make this happen, we bring to bare numerous independent resources such as land surveyors, certified real estate appraisers, sales agents and loan
agents as needed. Where statutory notice of foreclosure is defective, or the lender did not provide the borrower with the requisite loan disclosures, we will obtain a court order and stop the foreclosure.
When bankruptcy is considered, we will conduct a comprehensive review of our client's finances to determine the feasibility of stopping the foreclosure and file bankruptcy. Call us now at 1 818 379 1777.

Bankruptcy Law:

Chapter 7 Bankruptcy Information

What is Chapter 7 Bankruptcy?

Chapter 7 Bankruptcy generally works best for those who have a large amount of unsecured debt. In a Chapter 7 Bankruptcy, if you have no excess un exempt assets you will pay nothing to your creditors. Which is the reason it is commonly referred to as a liquidation bankruptcy. However if you have none exempt assets the trustee will take possession sell them and distribute the proceeds among your creditors. Laws are different from state to state. Even so, all states have exemptions that may allow you to keep much of your exempted assets. A bankruptcy attorney will be able to quickly tell you how a Chapter 7 Bankruptcy would work in your situation.

Who is Eligible for a Chapter 7 Bankruptcy?

To determine if you are eligible for Filing Chapter 7 Bankruptcy, the bankruptcy attorney will complete several proceedings listing your assets, debt, income, and expenses, as well as other documents on your behalf. There is also a bankruptcy means test which is a two step process. A initial threshhold eligibility test based on the family size and income. The second means test is to determine if you will have any money left over after considering your allowable expenses. Unlike in a Chapter 13 your secured and unsecured debt balance is not a determining factor. There are limits placed on those that have filed for bankruptcy in the past and also a mandatory credit counseling class that must be completed before filing.

Chapter 13 Bankruptcy Information

Chapter 13 Eligibility

While often referred to as the wage earner's plan, anyone, (corporations and LLC's excluded) including those who are self employed, are eligible for Chapter 13 bankruptcy as long as they have $336,900 in total unsecured debt and less than $1,010,650 in total secured debt. Unsecured debt is most commonly credit cards and revolving accounts. Secured debts are those like a mortgage or automobile loan. There is a pre-filing credit counseling requirement, as well as a limit on prior bankruptcies (10 years). To be certain that your circumstances meet the eligibility requirements make an appointment with a bankruptcy attorney who can help you determine if this chapter works for you.

Understanding the basics of Chapter 13

Over a period of three years, and sometimes in as long as five years, Chapter 13 allows a person to pay off a portion of their debt including past due payments on a home loan or car loan. Whether its 36 or 60 months depends on whether your income is above or below the "median income" level. A bankruptcy attorney can determine this for you and advise you if utilizing Chapter 13 is right for you. If you file, all collection and repossession actions by creditors should stop immediately under the automatic stay. You will be allowed 36 or 60 months to catch up on your payments and a portion or all the balance may be discharged at the end of the term. A bankruptcy attorney in your area can help you, determine of what is dischargeable in a Chapter 13 bankruptcy.

How Chapter 13 Bankruptcy Works?

A bankruptcy attorney can walk you through every step of the Chapter 13 bankruptcy process. It generally starts with filing a voluntary petition, schedule of assets and schedule of liabilities, schedule of income and expenditures and similar related documents. Additionally, the last three years of tax filings is needed along with proof of income and evidence that the pre-counseling requirement has been met. Married couples may file joint petitions.

Speak free with a Bankruptcy Attorney in your area today!!

Immediately upon filing all collection activity, creditor harassment and repossession efforts should stop. This is known as the automatic stay and creditors who violate it face serious consequences including penalties to you. You will be appointed a trustee and within 20 to 30 days there is a meeting with your creditors and you must provide proof of social security and photo identification in addition to the various schedules. It' is important to work closely with the Trustee.

In several months there will be a Plan Confirmation Meeting. Your attorney and Trustee will determine if you need to attend. This meeting confirms everything that has been agreed to with your creditors. Following your Plan Confirmation, you continue to make the agreed monthly payments until your plan is completed. If unforeseen circumstances happen, your plan may be able to be modified to deal with the changes. At the end of your Plan you should be formally discharged and return to your everyday routine. While this process can be complex, a bankruptcy attorney can guide you through it while helping to minimize any stress.