Our Orange County bankruptcy lawyer has been helping clients for more than 30 years
with cases involving bankruptcy and personal injury.
Irvine Bankruptcy Attorney
More Than 30 Years Guiding Consumers & Businesses Through Bankruptcy
Creditor harassment, wage garnishment, foreclosure pressure, repossession risk, collection lawsuits, and unmanageable debt can disrupt your household or business. At The Law Offices of Joseph M. Tosti, APC, we represent consumers and business owners facing these financial problems, including matters involving tax debt and potential debt discharge.
We assess your debts, assets, income, obligations, and pending collection actions before discussing possible paths forward. An Irvine bankruptcy lawyer can explain how filing may affect your property, income, contracts, business operations, and creditors. The appropriate strategy depends on your eligibility, circumstances, immediate concerns, and long-term goals.
Call (949) 245-6288 to discuss the collection pressure or debt affecting you or your business.
Chapter 7, Chapter 11 & Chapter 13 Bankruptcy Options
Each bankruptcy chapter serves a different purpose, from liquidation to repayment or reorganization. Eligibility and potential relief depend on income, debt type, assets, business structure, and applicable court requirements.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy generally applies liquidation rules to eligible individuals and businesses. For consumers, it may discharge qualifying unsecured debts, subject to income requirements, California bankruptcy exemptions, property considerations, and rules that exclude certain debts from discharge.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy provides qualifying individuals with regular income a court-supervised repayment structure. A proposed plan must meet statutory requirements, and its terms depend on the debtor’s income, secured obligations, assets, and other case-specific factors.
Chapter 11 Bankruptcy
Chapter 11 bankruptcy offers a reorganization framework commonly used by businesses and certain individuals whose circumstances don’t fit a simpler chapter. It can address debt and operational obligations through a court-administered process, but plan confirmation depends on legal requirements and the facts of the case.
More Than 30 Years of Bankruptcy Experience
We bring more than three decades of experience in bankruptcy and related legal matters to each case. As a bankruptcy law firm serving Irvine, we limit the number of cases we accept so each client receives direct attention and clear explanations of consequential decisions.
During a free consultation, we review the circumstances behind a potential filing and discuss legal strategies tailored to the consumer or business involved.
Bankruptcy Representation Under Federal Law
We are a debt relief agency under federal law. We help people file for bankruptcy relief under the United States Bankruptcy Code and represent clients in Orange County, Los Angeles County, and the Inland Empire.
Bankruptcy is governed primarily by federal law, while California exemptions and local court rules can influence how a case is administered. As bankruptcy attorneys, we evaluate chapter eligibility, prepare required filings, address creditor activity, represent clients in court-related proceedings, and explain their continuing responsibilities.
How to Prepare for Your Bankruptcy Consultation
A productive consultation begins with a clear picture of your debts, income, assets, household or business obligations, and immediate deadlines. We can assess whether bankruptcy or another debt-relief approach may fit your circumstances.
Bring any available information concerning:
- Creditor notices, collection lawsuits, and wage garnishments.
- Foreclosure notices or threatened repossessions.
- Secured debts, tax obligations, and unsecured balances.
- Income sources, bank accounts, real estate, vehicles, and business assets.
- Prior bankruptcy filings and upcoming court or collection dates.
You don’t need to identify the correct chapter before speaking with us. Chapter selection requires a case-specific review of eligibility, available protections, legal obligations, and financial goals.
Irvine Bankruptcy Cases in the Central District of California
Bankruptcy cases for Orange County debtors are generally connected to the Santa Ana Division of the United States Bankruptcy Court for the Central District of California. The proper filing division depends on the debtor’s location, circumstances, and applicable court rules.
We’re familiar with Central District of California bankruptcy procedures. Local requirements operate alongside the United States Bankruptcy Code and Federal Rules of Bankruptcy Procedure, so accurate filings and attention to case-specific deadlines are essential.
Excellence You Can Count On
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We have obtained settlements in excess of $60 million.
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We have brought thousands of cases to successful conclusions.
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We have been helping clients for more than 30 years.
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You are able to work directly with our attorney.
Get Clarity About Your Bankruptcy Options
If debt or collection activity is putting pressure on your household or business, a free consultation can provide a clearer path forward. Tell us about your debts, income, assets, business obligations, pending collection actions, and timing concerns so we can evaluate the available information.
Our Irvine bankruptcy lawyers provide individualized guidance to consumers and businesses throughout Orange County. We explain the chapters and other legal options that may apply without assuming one strategy fits every financial situation.
Call (949) 245-6288 to request your free consultation and discuss your next step.
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"Advice & Guidance Invaluable"Joe's advice and guidance, before, during, and after my bankruptcy were invaluable!- Hazlett V.
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"Very Communicative"Kathe kept me abreast of the entire process and was very communicative.- Aubry P.
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"Honest Quality"It was a great experience for what it is, with everything completely done with out complications. Joe tosti law offices is honest , quality attorney.- Dee P.