Liquidate Your Debts Interested in Clearing Your Financial Slate? Begin the Bankruptcy Filing Process Today.

Chapter 7 Bankruptcy Attorney in

Start Fresh & Discharge Most of Your Outstanding Debt: (949) 274-4098

Chapter 7 bankruptcy, also known as the “liquidation bankruptcy,” is a powerful way for consumers to discharge most of their unsecured debt and pay off or settle their secured debt. Chapter 7 bankruptcies give people the relief necessary to take back control of their financial situation. If you need a fresh start, this option might be the best way for you to move forward and secure a brighter financial future.

The Law Offices of Joseph M. Tosti, APC is the leading bankruptcy law firm in , providing our clients with seasoned financial and legal guidance. We want you to know that you have options. Many people are apprehensive when it comes to considering bankruptcy, but it is important to remember that it is nothing to be ashamed of. Bankruptcy is merely a tool – not a status symbol, and using it properly is a smart decision.

The Key to a Debt-Free Future may be chapter 7 bankruptcy. Request an Evaluation Today

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We Make a Difference in
the Lives of Our Clients

Accessible Our clients work directly with our attorney. They are not passed off to an inexperienced staff member.
Experienced For more than 30 years, we have been committed to helping people find solutions to obtain debt relief.
Successful We have used our skill and experience to bring thousands of cases to successful conclusions.
Recommended Clients recommend us because we exceed expectations, every time.
Dedicated We will devote our time and energy toward the positive resolution of your case.
Passionate We are passionate about your case and genuinely care about your success.

Learn More About Our Firm

The Client Experience

Hear Directly From Our Financially Secure Clients

“Very satisfied with the outcome and the timeframe those results were reached. Thank you guys for being awesome.”
-Jason B.
“His staff is amazing as well!”
-Candace S.
“I highly recommend him! Thank you to you and your team!”
-Nicole L.

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We Can Help You Ascend to New Heights

Advantages of Chapter 7 Bankruptcy

Does Not Impact Your Future Income
Discharge of Debts Occurs Quickly
No Limitations on the Amount of Debt
No Repayment Plan Required
You May Become Eligible for Loans Again
Those Who File Receive a Fresh Start

You Have Questions, We Have Answers

How Long Does a Chapter 7 Bankruptcy Take?
The Chapter 7 bankruptcy process takes 3-4 months to complete. The process includes initial filing, any necessary court hearings and negotiations with creditors and lenders, and the liquidation process. The bankruptcy filing will help determine which assets are exempt from sale and will also set the terms for discharging leftover unsecured debt.
What Is Secured & Unsecured Debt?
Secured debt is any debt that is attached to real property (which the lender can repossess if the debtor cannot provide payment). For instance, if you still owe money on your car, that’s secured debt. The most common forms of secured debt are car loans and mortgages. Unsecured debt is unattached to property, such as credit card debt, medical debt, and more.
How Long Does a Chapter 7 Stay on my Credit Report?
Chapter 7 bankruptcies will stay on your credit report for roughly 10 years. Consumers are sometimes penalized for having bankruptcies on their record, but late payments are just as damaging—and bankruptcies provide benefits beyond your credit report. More importantly, bankruptcy gives you the freedom to rebuild your credit and stay on top of your payments.

The Law Offices of Joseph M. Tosti, APC

If you are drowning in debt, turn to The Law Offices of Joseph M. Tosti, APC. With more than three decades of experience and thousands of cases under our belts, you can be confident that we are the right choice. Unlike other bankruptcy law firms, we genuinely care about the financial futures of our clients. As such, we will make it our mission to ensure the bankruptcy filing process is as simple and painless as possible. Our lead attorney will personally handle each legal aspect of your case and offer you the trusted financial guidance that you need in order to secure a debt-free future. If you are looking to obtain financial freedom, reach out to us today. We would be proud to help you navigate the complexities ahead.

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