Chapter 7 Help

Law Offices of Scott Warmuth

Since 1984, our law firm has been helping people in need of financial help.

We want to make the Chapter 7 Bankruptcy process work for you.

  • We provide expert legal advice
  • We help you seek the maximum debt relief
  • We fight to protect your essential assets
  • We protect all of your legal rights

We offer free, no obligation consultations where we discuss your financial future.

We’ll provide you with clear and upfront pricing with no hidden fees.

Call us now to receive your free consultation!



Call us at 888-517-9888 or submit this form to schedule your free Chapter 7 bankruptcy consultation.

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  • Debt and Bankruptcy Attorney in the San Gabriel Valley

    Mounting debt, unpaid bills, wage garnishment, and constant calls from debt collectors can cause extreme levels of stress and reduced quality of life.  However, there are solutions available for people and businesses in serious trouble with their finances.  Bankruptcy, debt consolidation, and debt settlements can help those struggling with debt recover financially while protecting assets.  An experienced bankruptcy attorney can make a difference.

    The Law Offices of Scott Warmuth can help individuals and businesses escape crushing levels of debt through bankruptcy, consolidation, and creditor negotiations.  Our legal team is ready to help you take the steps necessary to ensure a brighter financial future.

    We are with you, all the way.  Our firm offers free consultations to go over debt relief options available to you.  We begin our work to stop the daily harassment from creditors and debt collectors as soon as you become our client.  We will help you get your finances in order.  Call us today at 888-517-9888 to speak with a bankruptcy attorney and begin your new financial journey.

    We can help you meet your financial goals.

    Personal Bankruptcy Attorney in Southern California

    Bankruptcy is a legal safety net to help people who are unable to pay their bills due to financial hardship.  Financial hardship can come about unexpectedly through a sudden job loss, an unexpected illness, divorce, or even because of an over-extension of credit.  These hardships can lead to extremely damaging events, such as the repossession of a vehicle, foreclosure of a home, or wage garnishment.  Filing for bankruptcy offers an opportunity for people buried under large amounts of debt to start over with a clean financial slate.

    Chapter 7 Bankruptcy

    Chapter 7 allows individuals to remove qualifying debt while agreeing that a bankruptcy trustee (a person whose job it is to oversee your bankruptcy claim and make impartial decisions) can take control of certain assets to pay those debts.  Under Chapter 7, some debts cannot be discharged and some assets cannot be reclaimed.  In California, asset exemptions may include up to certain amounts of home equity, personal property, wages, retirement plans, public assistance benefits, tools, insurance policies, and more.  The goal of a Chapter 7 bankruptcy is to offer nonexempt assets for sale in exchange for the removal of debt obligations.

    California law offers two different bankruptcy exemption systems, commonly referred to by their civil codes of 703 and 704.  Each system offers different levels of exemptions for different protected assets.  Which exemption system is best for your individual situation will usually depend on your living situation and marriage status.  Your attorney will help you determine which exemption system is best for your bankruptcy filing.  In some cases, the person filing for bankruptcy may not lose any assets in the bankruptcy process.

    It is important to understand that filing for bankruptcy may not eliminate all of your debt.  Debts that cannot be discharged could include student loans, income taxes, child support, legal restitution, recent purchases, and more.  The bankruptcy process is not right for everyone.  Our law firm will help you weigh the benefits and detriments before pursuing bankruptcy.

    We Are Here to Help

    Every bankruptcy case is unique.  It’s important to hire a bankruptcy law firm that has your best interests in mind.  A Chapter 7 bankruptcy attorney will ensure that you are taking the best course of action possible to reduce your debts and protect your assets.  Call the Law Offices of Scott Warmuth today at 888-517-9888 to receive a free legal consultation.

    Debt Consolidation in San Gabriel

    For individuals who are looking to escape debt but want to avoid the potential negative consequences of a Chapter 7 bankruptcy, debt consolidation is a less-risky alternative.  Debt consolidation takes all of your unsecured debt balances accruing high interest charges and pays those debts off with a lower interest loan.  Debt consolidation can dramatically reduce the monthly cost for some eligible borrowers and also lower the number of monthly payments to one.  For consumers who continuously pay only the minimum required amount on monthly credit card bills, debt consolidation is a way to actually reduce your level of debt.

    Pursuing debt consolidation requires a significant amount of trust.  The Law Offices of Scott Warmuth has been helping under-served communities protect their legal rights for more than 35 years.  Our debt consolidation attorneys always pursue debt consolidation negotiations in a manner that best represents the financial interests of our clients.  We’ll explain the pros and cons of pursuing debt consolidation and offer advice as to whether your specific situation is better suited for a different legal remedy.

    We can help you meet your financial goals and become debt free.  You can speak with a legal expert today by requesting a free consultation by calling 888-517-9888!

    Debt Settlement Legal Help in California

    For people who are in serious debt and have missed some payments, debt settlement may help you avoid bankruptcy.  Debt settlement is different than debt consolidation in that a debt settlement attorney will attempt to negotiate with creditors to “settle” debt for pennies on the dollar.  For example, if you owe $20,000 to a creditor a debt settlement attorney may offer the creditor $5,000 to consider the debt paid.  This process would be repeated with every creditor.  Results may vary depending on the creditor and their willingness to forgive debt; lenders are under no obligation to pursue settlement negotiations.

    Debt settlement is risky and not right for everyone, and our law firm cannot recommend certain negotiation tactics, including purposefully missing payments.  Debt settlement should only be considered as a last alternative to bankruptcy.  Our attorneys can walk you through the pros and cons of pursuing debt settlement as a way to escape debt.  Our consultations are free, so call us today at 888-517-9888 to see if this debt relief tactic may be right for your individual situation.

    Personalized Debt Relief Legal Service

    The Law Offices of Scott Warmuth can help people suffering financially escape from debt.  We examine our clients’ financial situation to help them best determine which legal actions may be beneficial to their individual situations.  Our dedicated attorneys have been helping our clients protect their legal rights and pursue justice since 1984.

    We’re on your side, all the way!

    We offer free consultations to help you determine if bankruptcy, debt consolidation, or debt negotiation is right for you.  Call the Law Offices of Scott Warmuth at 888-517-9888 to schedule your free debt relief consultation.


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