We are conducting both in-person and telephone consultations. We are open
and here to help people in these trying times.
Please don’t hesitate to call us if you have any questions!
We are conducting both in-person and telephone consultations. We are open
and here to help people in these trying times.
Please don’t hesitate to call us if you have any questions!
Do you feel like you are drowning in debt? If the bills keep piling up,
the collectors keep calling, and the thought of repaying creditors seems
daunting to you, it is important that you speak with an attorney. At the
Law Office of Raymond J. Seo, we understand that this can all seem highly
overwhelming and that you may be feeling stressed about your financial
situation.
When you retain our representation, you can be confident that your case
will be in good hands. Our founding attorney, Mr. Raymond J. Seo, has 20 years of experience handling a variety of bankruptcy-related cases
and he may be able to help you get debt relief as well. If you want to
find out how he assisted past clients, you can review their testimonials.
At our firm, you work directly with your attorney. Learn how we give your case the attention it deserves.
Why Hire UsWondering if you qualify for Chapter 7 or 13 Bankruptcy? Fill out our online contact form to request your free consultation today.
Free ConsultationFiling for bankruptcy can give you a fresh start. Take one step closer to financial freedom.
Life After BankruptcyAre you ready to move forward? Gaining control of your life and financial situation is important. If you have questions or concerns about your situation, do not hesitate to contact the Law Office of Raymond J. Seo right away. We will guide you throughout the bankruptcy process and assist you with planning for life after bankruptcy. Our firm can offer you information on rebuilding your credit and creating healthy spending habits. We encourage all questions to be directed to Attorney Seo and our staff as soon as possible. You can also visit our resources page for more information.
“When it came time for us to file our bankruptcy, we didn't hesitate. It was a hard situation but he made it so simple.”DG
“Very knowledgeable, attentive, and led my family through a difficult time.”Chapter 7 Client
“"Even the judges give him 5 stars!"”Cindi
“Trustworthy and extremely helpful!”Avvo Reviewer
“I would recommend him to anyone who asks about needing a BK lawyer.”Avvo Reviewer
“Highly recommended! Thank you, Raymond!”Key
“His service was exceptional.”John
“Mr. Seo is the best lawyer out there and you can totally trust him.”Vince
“He seemed to command the attention of the court with no effort. He is an absolute professional. I highly recommend him.”Bill
“Thank you Raymond Seo for being so helpful and diligent, we are now free and cleared!”Anthony
When you work with the Law Office of Raymond J. Seo, we will work with you to conduct a bankruptcy means test, which helps determine your eligibility to file for Chapter 7 bankruptcy. People who are eligible can begin to eliminate debt immediately and stop pesky creditor harassment calls.
Chapter 7 bankruptcy is known as liquidation bankruptcy because, in this process, all non-exempt items will be sold to repay creditors. Find a list of all exempt items on our bankruptcy exemptions page! If your disposable income is determined by a means test to be too high to file for Chapter 7 bankruptcy, you can still benefit from bankruptcy by filing under Chapter 13.
In Chapter 13 bankruptcy, you can still receive all of the benefits of discharging and eliminating debt without having to sell assets and property. When you file for Chapter 13, you can save your home from foreclosure, stop creditors' collection attempts, and still retain your property.
Unlike liquidation bankruptcy, Chapter 13 allows you to repay your debts over time - usually within about 5 years of your file date.
Any debts that are remaining after your allotted payment plan is completed could potentially be discharged by a court. When debts are discharged, you will no longer be responsible for repaying them.
Either of these bankruptcy options may be right for you, so it is important that you contact an attorney to discuss your situation before filing.