My name is Roland Kedikian. I am a California licensed bankruptcy attorney and I help individuals like you file for personal bankruptcy. I only practice in bankruptcy and I focus only on folks like you who are looking to file personal or small business bankruptcy. There are 2 main chapters [...]
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First step of Bankruptcy, Free Initial Consultation Bankruptcy stages start from initial consultation and end at post-discharge issues. The first step should be the free initial consultation with a bankruptcy attorney. Bankruptcy is a difficult choice for clients. Often the client has been unwilling to file bankruptcy for months or [...]
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Roland was the fifth bankruptcy attorney I met with. Based upon my profession, I deal a lot with attorneys so I have a pretty good idea which ones seem squared away. On almost all the prior meetings, I actually met with a paralegal. This was not the case with Roland. [...]
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Bankruptcy is always a though decision to make. Most debtors resort to bankruptcy as a last option to resolve their financial situation. While it takes time for this realization to sink in, 3 factors that affect most whether to file bankruptcy are, income, assets and timing. Income: A debtor’s income [...]
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In a bankruptcy case under chapter 7, you file a petition asking the court to discharge your debts. The basic idea in a chapter 7 bankruptcy is to wipe out (discharge) your debts in exchange for your giving up property, except for “exempt” property which the law allows you to [...]
In a chapter 13 case you file a “plan” showing how you will pay off some of your past due and current debts over three to five years. The most important thing about a chapter 13 case is that it will allow you to keep valuable property specially your home [...]
Roland was the fifth bankruptcy attorney I met with. Based upon my profession, I deal a lot with attorneys so I have a pretty good idea which ones seem squared away. On almost all the prior meetings, I actually met with a paralegal. This was not the case with Roland. [...]
Bankruptcy is always a though decision to make. Most debtors resort to bankruptcy as a last option to resolve their financial situation. While it takes time for this realization to sink in, 3 factors that affect most whether to file bankruptcy are, income, assets and timing. Income: A debtor’s income [...]
Part of the Bankruptcy Code in 2005, created a method to ferret out fraud by auditing consumer debtors. It is the responsibility of the U.S. Trustee to monitors consumer bankruptcy filings. However, due to budgetary constraints, the US trustee office announced that it has “indefinitely suspended” the auditing process. The [...]
There are so many myths or false presumptions out there regarding bankruptcy that create undue confusion and anxiety for those facing debt. Here are the most common bankruptcy myths dispelled: I will lose all my property if I file Bankruptcy. Bankruptcy is intended to help those facing financial hardship. Taking [...]
In a chapter 13 case you file a “plan” showing how you will pay off some of your past due and current debts over three to five years. The most important thing about a chapter 13 case is that it will allow you to keep valuable property specially your home [...]
In a bankruptcy case under chapter 7, you file a petition asking the court to discharge your debts. The basic idea in a chapter 7 bankruptcy is to wipe out (discharge) your debts in exchange for your giving up property, except for “exempt” property which the law allows you to [...]
Financial stability is built upon living within one’s means. How does one know whether they are living within their means? One easy test is if you are spending more than you’re making. Here are some other important questions you should answer to know whether you are financial stable: 1. Would [...]
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