Irvine Bankruptcy Lawyer

Bankruptcy Representation in Orange County, Los Angeles County and the Inland Empire.

When you are in a financially vulnerable position where creditors are harassing you and you owe more than you can afford to pay, The Law Offices of Joseph M. Tosti is here to help. Backed by 30+ years of experience handling bankruptcy cases and related matters, we represent consumers and businesses throughout Orange County as they seek to end creditor harassment, avoid, wage garnishment, prevent foreclosure, discharge debts, and more.

We are a debt relief agency pursuant to Federal Law §524 of Title 11 of the US Code, which means we are authorized to help people like you file for bankruptcy and other forms of relief under the United States Bankruptcy Code. Our comprehensive services offer assistance through every stage of the bankruptcy process, from reviewing and filing the initial petition to declaring bankruptcy, to preparing for life after bankruptcy. Our goal is to ensure that you are equipped with the skills, knowledge, and resources needed to remain financially stable and independent for years to come.

If you’ve found yourself so deep in debt that you see no way out, and you’re now asking yourself questions like the following, we can help.

• Q: Can I file for bankruptcy if I’m unemployed?
  A: Yes. Technically, the status of your employment does not prevent you from filing for bankruptcy; however, it can influence how successful you are in filing, especially under Chapter 13 bankruptcy.
   
• Q: Will I lose my home if I file for bankruptcy?
  A: It’s often possible to keep your home in Chapter 7 bankruptcy.
   
• Q: Do I have to make under a certain amount of money to be eligible to file?
  A: Your income will not prevent you from filing for bankruptcy, but it will be used to determine which Chapter is best suited for eliminating qualifying debts.

We can help you get the answers to many more questions like these when you meet with a member of our team to review your circumstances. Ultimately, whether bankruptcy is right for you is a personal decision, but it’s one we can help you make by arming you with the information you need to know about the options available to you given the circumstances. We would be happy to discuss more specifics about your situation during a free, confidential consultation.