AV Preeminent Peer Rated Attorneys
Indio Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).
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AV Preeminent Peer Rated Attorneys
Indio Residents, consider several factors when selecting a lawyer ... Learn More
AV Preeminent Peer Rated Attorneys
Indio Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).

Valente Law Office, APLC

4.0
7 Reviews

  • 82500 Highway 111, Suite 3, Indio, CA 92201

  • Law Firm with 1 lawyer

  • Helping You Put The Pieces Back Together!

  • Bankruptcy LawyersPersonal Bankruptcy, Criminal Law, and 33 more

Miguel Valente
Bankruptcy Lawyer
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Olson Law Firm

4.7
26 Reviews

  • Serving Indio, CA and Riverside County, California

  • Law Firm with 1 lawyer2 awards

  • Experienced Real Estate, Business Litigation, and Collections Law Firm; Reasonable Rates. Our Attorney is also a Licensed Real Estate Broker. Call 866-755-1959 for a Free and... Read More

  • Bankruptcy LawyersReal Estate, General Litigation, and 287 more

  • Free Consultation

Shawn M. Olson
Bankruptcy Lawyer
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Thompson & Colegate LLP

4.6
25 Reviews

  • Serving Indio, CA and Riverside County, California

  • Law Firm with 11 lawyers2 awards

  • Thompson & Colegate LLP traces its history to 1915 when the firm was known as Craig, Sarau & Thompson. These partners took office space in downtown Riverside, California. In 1916,... Read More

  • Bankruptcy LawyersCivil Litigation, Trial Practice, and 29 more

Charmaine E. Grant
Associate
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Gregory W. Brittain Attorney at Law

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  • Serving Indio, CA and Riverside County, California

  • Law Firm with 1 lawyer1 award

  • Taking A Business Approach To Law

  • Bankruptcy LawyersBusiness Transactions, Litigation, and 21 more

Gregory W. Brittain
Bankruptcy Lawyer
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Law Offices of Fernando J. Bernheim, APC

4.8
58 Reviews

  • Serving Indio, CA and Riverside County, California

  • Law Firm with 2 lawyers3 awards

  • Upland, California Law Firm Committed to Client Service. The Law Offices of Fernando J. Bernheim is committed to providing professional legal services and aggressive representation... Read More

  • Bankruptcy LawyersFamily Law, Divorce, and 94 more

  • Free Consultation

  • Offers Video

Fernando J. Bernheim
Bankruptcy Lawyer
Other Lawyers At This Firm
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L. Dominic Chacon

5.0
2 Reviews

  • Serving Indio, CA and Riverside County, California

  • Law Firm with 1 lawyer1 award

  • We are a firm that focuses on Family and Criminal defense. You will work with Mr. Chacon personally. Located in West Covina and handle cases at all courts in L.A., Orange,... Read More

  • Bankruptcy LawyersDivorce, Child Custody, and 60 more

  • Free Consultation

  • Offers Video

L. Dominic Chacon
Bankruptcy Lawyer
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Slovak Baron Empey Murphy & Pinkney LLP

4.8
229 Reviews

  • Serving Indio, CA and Riverside County, California

  • Law Firm with 30 lawyers4 awards

  • SBEMP LLP is a full service law firm with offices in Palm Springs, Orange County, San Diego, New Jersey, and New York.

  • Bankruptcy LawyersCivil Litigation, Employment Litigation, and 19 more

Bruce Bauer
Bankruptcy Lawyer
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David J. Hallstrom, Esq.

5.0
10 Reviews

  • Serving Indio, CA and Riverside County, California

  • Law Firm with 3 lawyers

  • We focus our practice exclusively on trust and probate litigation, seeking to defend your loved one’s legacy while protecting your interests. If your loved one’s legacy is at... Read More

  • Bankruptcy LawyersTrust Litigation, Probate With a Will, and 12 more

Paul J. Kurtzhall Esq.
Bankruptcy Lawyer
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Messina & Hankin LLP

5.0
22 Reviews

  • Serving Indio, CA and Riverside County, California

  • Law Firm with 4 lawyers3 awards

  • Messina & Hankin LLP provides effective legal counsel throughout California. Located in Murrieta, our firm skillfully handles Business Law, Business Formation and Business... Read More

  • Bankruptcy LawyersGeneral Business Litigation, Representation of Clients before Federal, State and Local Government Agencies, and 85 more

Evan Llewellyn Smith
Bankruptcy Lawyer
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The Gibbs Law Firm, APC

4.9
17 Reviews

  • Serving Indio, CA and Riverside County, California

  • Law Firm with 1 lawyer2 awards

  • Orange County Bankruptcy, Real Estate and Business Attorneys; dedicated to providing clients with the highest level of professional service and upholding the dignity of the legal... Read More

  • Bankruptcy LawyersEstate Planning, Wills, and 23 more

David Gibbs
Bankruptcy Lawyer
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Law Offices of Samer Habbas & Associates, PC

4.5
2 Reviews

  • Serving Indio, CA and Riverside County, California

  • Law Firm with 12 lawyers2 awards

  • Over 50 Million Recovered--Our firm is experienced in injury matters & understands the difficult time you're going through. We'll guide you through the process and... Read More

  • Bankruptcy LawyersAirbnb Accident, Amazon Delivery Truck Accident, and 51 more

  • Free Consultation

Scott Hanssler
Bankruptcy Lawyer
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Law Offices of Vincent B. Garcia & Associates

4.6
26 Reviews

  • Serving Indio, CA and Riverside County, California

  • Law Firm with 1 lawyer3 awards

  • Spanish speaking clients welcome

  • Bankruptcy LawyersDivorce, Paternity, and 12 more

Vincent Barney Garcia
Bankruptcy Lawyer
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Fullerton, Lemann, Schaefer & Dominick, LLP

4.8
95 Reviews

  • Serving Indio, CA and Riverside County, California

  • Law Firm with 9 lawyers3 awards

  • Serving California's Inland Empire for over 50 years

  • Bankruptcy LawyersGeneral Civil Practice, Corporate Law, and 14 more

Mark McGuire
Bankruptcy Lawyer
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Varner & Brandt LLP

4.6
66 Reviews

  • Serving Indio, CA and Riverside County, California

  • Law Firm with 29 lawyers2 awards

  • With legal roots in Southern California since 1873, Varner & Brandt utilizes the deep relationships developed in the communities we serve to anticipate the needs and opportunities... Read More

  • Bankruptcy LawyersCorporate and Business, Mergers and Acquisitions, and 5 more

Eric Anderson
Bankruptcy Lawyer
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JDM, A Professional Corporation

4.9
18 Reviews

  • Serving Indio, CA and Riverside County, California

  • Law Firm with 2 lawyers2 awards

  • "Big Firm" Representation at "Small Firm" Rates. Although We Have Over 60 Years Of Trial Experience, We Strive to Find Creative Business Resolutions To Disputes... Read More

  • Bankruptcy LawyersBusiness Litigation, Complex Business Litigation, and 82 more

  • Free Consultation

Dennis V. Menke
Bankruptcy Lawyer
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Rae Ann Capps

  • 80572 Avenida Santa Carmen, Indio, CA 92203-7450

Law Offices of Leonard Cravens

  • 45902 Oasis St., Ste. C, Indio, CA 92202

David A. Wiesen

  • 82-500 Hwy. 111, Ste. 11, Indio, CA 92201

Law Office of Xochitl A. Quezada

  • 46100 Rubidoux Street, Suite C-2, Indio, CA 92201

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Additional Resources

Looking for Bankruptcy Lawyers in Indio?

Bankruptcy lawyers help individuals and businesses find relief from overwhelming debt. They analyze your financial situation and guide you through processes like Chapter 7 liquidation or Chapter 13 reorganization. Their goal is to stop creditor harassment, protect your assets, and provide a legal path to a fresh financial start.

About our Bankruptcy Lawyers Ratings

The average lawyer rating is created by peers based on legal expertise, ethical standards, quality of service, and relationship skills. Recommendations are made by real clients.

CLIENT RECOMMENDED
79 %

96 Client Reviews

PEER REVIEWS
4.6

306 Peer Reviews

User Resources

Lawyer Resources

Commonly Asked Bankruptcy Questions From Users Near You

This information is not legal advice and is not guaranteed to be correct, complete or up-to-date. It is provided for general informational purposes only. If you need legal advice you should consult a licensed attorney in your area.

Should we sell our house, short sale, or file bankruptcy?

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Answered by attorney Tony E. Carballo (Unclaimed Profile)
Bankruptcy lawyer at Carballo Law Offices
After not having paid the mortgage for three years your credit must already be trashed. If you can do a short sale then you might be able to avoid bankruptcy. In some states, as in California, if you have only one mortgage then the foreclosure (trustee's sale) would eliminate any debt related to the mortgage. The bank must accept whatever it gets at the trustee's sale and cannot come after you for the balance (the deficiency). You mention getting enough money from the sale to pay off the loan. By definition a short sale is a sale where you do not get enough to pay off the loan. That is why it is called a short sale. That means the bank has to accept whatever the buyer is willing to pay and write off the balance owed on the mortgage. In a Chapter 13 you would have to pay the arrearage (three years of mortgage payments plus penalties and bank fees) over a period of a maximum of five years. The plan payment would probably be very big. You would also have to pay most of the attorney's fee and Trustee's commission in the plan. Unless your income is very high you might not be able to afford the mortgage payments, plan payments and living expenses. You cannot get a Chapter 13 plan confirmed (approved) by the Court unless you can demonstrate you can afford all those payments. Most banks will not afford a deed in lieu of foreclosure but if your bank will accept one then that might be the best choice if you cannot afford the house. You should consult with a bankruptcy lawyer to evaluate your personal situation and advice you properly as to which is the best option.
After not having paid the mortgage for three years your credit must already be trashed. If you can do a short sale then you might be able to avoid bankruptcy. In some states, as in California, if you have only one mortgage then the foreclosure (trustee's sale) would eliminate any debt related to the mortgage. The bank must accept whatever it gets at the trustee's sale and cannot come after you for the balance (the deficiency). You mention getting enough money from the sale to pay off the loan. By definition a short sale is a sale where you do not get enough to pay off the loan. That is why it is called a short sale. That means the bank has to accept whatever the buyer is willing to pay and write off the balance owed on the mortgage. In a Chapter 13 you would have to pay the arrearage (three years of mortgage payments plus penalties and bank fees) over a period of a maximum of five years. The plan payment would probably be very big. You would also have to pay most of the attorney's fee and Trustee's commission in the plan. Unless your income is very high you might not be able to afford the mortgage payments, plan payments and living expenses. You cannot get a Chapter 13 plan confirmed (approved) by the Court unless you can demonstrate you can afford all those payments. Most banks will not afford a deed in lieu of foreclosure but if your bank will accept one then that might be the best choice if you cannot afford the house. You should consult with a bankruptcy lawyer to evaluate your personal situation and advice you properly as to which is the best option.
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What hppens if I don't reaffirm my mortgage in bankruptcy?

Ajibola Oluyemisi Oladapo
Answered by attorney Ajibola Oluyemisi Oladapo (Unclaimed Profile)
Bankruptcy lawyer at Dearbonn Law Offices PLLC
If you file BK and are current in your Mortgage payments, you do *not*need to reaffirm your mortgage, all you need do is to continue to remain current on your payments, this will keep the loan active without the necessity of a re-affirmation.
If you file BK and are current in your Mortgage payments, you do *not*need to reaffirm your mortgage, all you need do is to continue to remain current on your payments, this will keep the loan active without the necessity of a re-affirmation.
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Chapter 7 Bankruptcy and car kept and I want to know if I can call them to pick it up 2 years later without any repercussion?

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Answered by attorney Kathryn Ursula Tokarska (Unclaimed Profile)
Bankruptcy lawyer at Law Offices of Kathryn Tokarska
Confusing question because I think you're using "they" to describe multiple parties. Here is what I can say. If you filed for bankruptcy and you did not reaffirm the loan, then your legal obligation to pay on the promissory note has been discharged. They cannot sue you or go after you to collect for payments or deficiency in a repo/auction sale type scenario. Remember also that the lender is a lien holder on the car though. Lender's right to take the car was not extinguished by the bankruptcy. You can return the vehicle to them or ask them to pick it up but I would not sell it, trade it, or give it away because you do not own it free & clear, even if the loan itself against it was discharged. If they refuse to take the vehicle back then request they clear the title. In some rare instances some people have been stuck where the lender refuses to take back the car or boat but the debtor can't get rid of it either. Hopefully this won't be the case here, it's usually only a case where the item is pretty worthless so the creditor doesn't want to bother with it. Things change, if you signed a reaffirmation agreement, and that agreement was filed & accepted by the court. In that scenario although the original loan was discharged you remain liable because you signed a post petition contract to make payments. Here, if the car is repo'ed you would be liable for a deficiency if the vehicle sells for less than what is owed.
Confusing question because I think you're using "they" to describe multiple parties. Here is what I can say. If you filed for bankruptcy and you did not reaffirm the loan, then your legal obligation to pay on the promissory note has been discharged. They cannot sue you or go after you to collect for payments or deficiency in a repo/auction sale type scenario. Remember also that the lender is a lien holder on the car though. Lender's right to take the car was not extinguished by the bankruptcy. You can return the vehicle to them or ask them to pick it up but I would not sell it, trade it, or give it away because you do not own it free & clear, even if the loan itself against it was discharged. If they refuse to take the vehicle back then request they clear the title. In some rare instances some people have been stuck where the lender refuses to take back the car or boat but the debtor can't get rid of it either. Hopefully this won't be the case here, it's usually only a case where the item is pretty worthless so the creditor doesn't want to bother with it. Things change, if you signed a reaffirmation agreement, and that agreement was filed & accepted by the court. In that scenario although the original loan was discharged you remain liable because you signed a post petition contract to make payments. Here, if the car is repo'ed you would be liable for a deficiency if the vehicle sells for less than what is owed.
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