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Alternatives to Bankruptcy

Alternatives to Bankruptcy in Orange County

What are my options for debt relief?

If you have too many debts and are struggling to pay your bills, it is essential to understand your available options regarding debt relief. Bankruptcy is an excellent option for many individuals and is often the chosen solution to many individuals, families and business' problems. Before you take the steps and effort to file for Chapter 7 or Chapter 13 bankruptcy, our Orange County bankruptcy lawyers can help you know the various solutions that may be available for you.

Our firm can help you with many different ways of solving debt problems, such as debt settlement, debt counseling, debt consolidation and loan modification. For some individuals, these can be considered "judgment proof," which means that if anyone attempts to file a lawsuit against you, they will not be able to collect anything from you because you have no large assets to be taken. Our firm can help you know what to do if that is the case.


An Orange County bankruptcy attorney from 1st California Law can provide you with the legal advice and assistance necessary. Call us today for a free consultation!


Debt Settlement

In debt settlement, also known as debt negotiation, our firm can try to arrange new payment plans with your creditors. It often involves negotiating with your creditors to reduce the amount that is owed. Once an agreement has been reached, the amount is paid off in full, usually in the form of a lump sum. Creditors are often amenable to this solution as they usually don't want to pursue costly lawsuits or fail to receive payments at all.

Debt consolidation

Debt consolidation is the process of acquiring one large loan to pay off smaller debts.

Some of the benefits to debt consolidation include:

  • No more late fees
  • Elimination of creditor harassment
  • You only make one payment a month
  • Reduction of interest rates
  • Improvement of credit over time

Loan Modification

Another alternative to bankruptcy may be loan modification. A member of our legal team can meet with you and your creditor to discuss lowering the interest rate of your loan, as well as waiving late fees. If the creditor is not willing to waive late fees, they may be able to add the fees to the principal balance, resulting in lower payments.

Credit Counseling

You may also pursue debt counseling, also known as credit counseling, which is an individual or agency helps you come up with a plan to pay back your creditors. A credit counselor may also negotiate with your creditors to create the plan, as creditors might give a lower interest rate if you are working with a debt counselor.

Orange County Bankruptcy Attorneys Explain Solutions to Debt Problems

At 1st California Law, our firm can explore all of your options and provide you with the information you need to effectively address your debt problems. If you do not wish to file for bankruptcy, we can help you look for an alternative. This alternative is typically based off your reason for wishing to avoid filing for bankruptcy.

If you are experiencing a financial crisis, our firm can provide you with useful legal advice. As bankruptcy specialists, we have helped many clients overcome their financial problems. Contact our office for a free case evaluation to discuss your debt issue in detail. We are available weekdays, evenings and weekends, and can even meet with you at your home. You can also visit us on Facebook to learn more about our firm, the bankruptcy process, and methods for removing debt.


Our firm can review your financial situation and develop a debt-relief strategy tailored to your particular needs. Contact our firm to get started! Our Santa Ana bankruptcy attorneys would love to assist you today!


Read Real Reviews

LET 1ST CALIFORNIA LAW INC GET YOU DEBT FREE
    "Amazing law firm to work with, very knowledgeable, & very kind!"
    Amazing law firm to work with, very knowledgeable, & very kind. They made filing for bankruptcy easy. Kevin is a amazing lawyer, would definitely recommend to friends and family.
    - Evelyn V.
    "Kevin made us feel at ease during a very stressful time in our lives."
    Kevin is the best! He made us feel at ease during a very stressful time in our lives. His upbeat personality and thorough explanations made this whole process effortless. His communication was on point and the cost for his services was absolutely reasonable. If I ever need legal service again in the future, he is my go to guy. Love him!
    - Elizabeth C.
    "Being the light at the end of this scary tunnel!"
    Nobody ever hope to find themselves filing for bankruptcy but when I did, my first call with Kevin put me in such ease that I knew I found the right person to help me.
    - Leslie I.
    "Made the entire process of filing my case approachable & much less stressful than anticipated!"
    Kevin was absolutely fantastic to work with. He made the entire process of filing my case approachable and much less stressful than I anticipated. He was responsive, professional, and direct throughout the entire process, and personally accompanied me at my hearing. I would highly recommend his services.
    - Ashley T.
    "One of the best bankruptcy attorneys to work with!"
    Kevin Kunde was one of the best bankruptcy attorneys to work with. He was kind, informative, courteous and very knowledgeable. I would recommend 1st California Law and Kevin Kunde services to anyone seeking debt relief assistance. Bankruptcy can be a very scary situation and I through out the entire process I felt well guided and taken care of by 1st California Law. Thank you for everything.
    - Melissa L.
    "Awesome attorney"
    I recently filed for my Chapter 7 through Mr. Kevin’s law firm and I could not be happier with his services. All of my concerns and worries were eliminated when Mr. Kevin thoroughly explains the process of bankruptcy filing and court hearing. The actual court hearing is very simple and to the point, just as Mr.Kevin said. In all, i highly recommend Mr.Kevin as an attorney for anyone who is in need of financial debt relief. He is kind, transparent, and dedicated to his profession. I'm glad i have had a chance to work with Kevin.
    - Bruce
    "Great Service"
    It was the best experience ever with Kevin, I consulted several attorneys regarding my bankruptcy before I went to Kevin, and Kevin was very helpful and also the fees is very good. It was so easy to prepare my filling with him and he kept me updated with everything and tell me everything I need to know even if I didn't ask for it. Kevin show up with me in court and he was very helpful in getting over this stressful situation easily and smoothly, highly recommended him and his office if you look for any financial relief advice or help. Thanks Kevin.
    - AA
    "Best lawyer"
    I'm 100% satisfied with his service I highly recommend to anyone!
    - Vivian

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Why Choose 1st California Law Inc?

  • Thorough Communication with Our Clients
  • Passionate Service, Personal Help, Practical Solutions
  • Available 24 Hours a Day, 7 Days a Week
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