In re Zimmer, 313 F.3d 1220 (9th Cir. 2002) held that  a wholly unsecured lien holder is not entitled to the protections of § 1322(b)(2); The holding of In re Lam, 211 B.R. 36 (9th Cir. B.A.P. 1997) approved.

To find out if Zimmer case might help you keep the home, contact us.

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Complete Debt Resolution

After successfully helping many clients decide whether bankruptcy is right for them, we understand that one consistent fear is the potential loss of assets. You worry that declaring bankruptcy will result in the loss of your home or car.

Our bankruptcy lawyers serve clients like you in Orange and Los Angeles counties and throughout Southern California, providing vital information on asset protection and exemptions.

Protecting

Bankruptcy is a federal statute, but state exemptions govern which assets you can keep. These state exemptions allow you to protect assets from creditors. When you consult the attorneys at our law office, we apply California law to your case to help you keep the most property.

Educating

No action is taken until you understand your bankruptcy case. Our service philosophy is to educate.  Your property and paycheck are important to you. Only capable legal assistance will help you protect them.

We are happy to work with you on payments. Contact us today to schedule a free initial consultation.

Appointments

Our superior skills simplify your case.  We use the latest technology to file online. We obtain all your creditors from three credit reporting agencies.  This avoids multi-page homework assignments before filing.  In fact, we can file your bankruptcy within one hour with the proper notice, information, and fee.  Bring this to form our meeting:  bankruptcy appointment

Non-bankruptcy Settlements

Once the creditor knows that you have an attorney who is one of the most active bankruptcy filers in Southern California, they know that the client is serious and that the client is refusing to deal with their hassling, harassment and abuse anymore. Plus, the creditor fears that the client will file for bankruptcy. After a client has retained our firm, the creditors cannot contact you anymore. We answer all of the creditor calls.

Complete services  and credit report help

Our complete-service law office will arrange for two required educational courses during the case.  At the conclusion, we also offer The Post-Discharge Consumer Liability Report and bankruptcy verification review. This identifies liabilities as they are reported by creditors after discharge. In the event that information is reported incorrectly, our Post-Discharge services equip you with the tools to ensure that any incorrectly reported information is updated quickly and accurately.

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