Leventhal Law Group, P.C., in Woodland Hills, California, serves clients in the San
Fernando Valley area. Communities include Northridge, Van Nuys, North Hollywood,
Encino, Santa Clarita, Valencia, Palmdale, Lancaster, Mission Hills, Thousand Oaks,
Simi Valley, Calabasas, Canoga Park, Chatsworth, Porter Ranch, Reseda, Tarzana, Malibu
and counties that include Los Angeles County and Ventura County.
Bankruptcy involves organizing your debts, determining a plan, and filing with the
court to discharge your qualifying debts. My job is to make it as easy as possible
for you to get through the bankruptcy process and help put you back on the right
financial track. I have helped individuals and couples throughout Southern California
get debt relief under the Bankruptcy Code.
When you come into my office you can expect the following:
The initial consultation does not involve any fees, unless you decide to begin the
bankruptcy filing process. Our first meeting typically takes one hour (two if you
formally retain me as your lawyer and begin the filing process), but you will walk
away with a complete understanding of your financial situation in relation to the
I will explain to you all the required fees and paperwork.
We will assess your situation using your credit/debt information, your wages and
expenses, and the means test, to determine if filing bankruptcy is in your best interest.
If bankruptcy is your best option, we will continue the process below.
A retainer agreement and disclosure statements will be signed, hiring me as your
A credit report will be run (tri-bureau - Equifax, Experian and TransUnion ; the
three most common reporting agencies) for each debtor who signs the retainer agreement.
The credit report is yours to keep and you may leave the office with it for your
I will provide you with information to supply any creditors that contact you, as
once I am your attorney, they cannot communicate with you regarding your debts .
I will also provide you with forms to use if they continue to call or harass you.
It is a violation of the law for them to do so.
You'll be set up with an online secure web site, that will enable you to enter in
your salary history, your personal property, and debts that are not listed on your
credit report. The online forms can be updated and/or completed at your home or in
I will sign you up to take your credit counseling course. You do not have to appear
in-person, as classes are also available online or over the phone. Credit counseling
is a requirement for Chapter 7 and Chapter 13 Bankruptcy, and both pre-filing and
post-filing classes must be completed. You will receive certificates of completion
for these courses as proof that you have taken them.
Review and Filing Process
Once the bankruptcy petition is ready to be filed with the court, you will visit
my office for a final review meeting and to sign the petitions. I will file all the
paperwork electronically, as you watch. You will leave my office with the date and
time of the "Meeting of Creditors" aka 341(a) meeting.
After Your Papers Are Filed
In approximately 30 days from your filing above, there will be the 3411(a) meeting.
I or an attorney with whom I work closely will attend this meeting with you. During
this meeting your identification will be verified and the trustee assigned to your
case will review your paperwork and may ask you questions. Creditors may attend this
meeting, but rarely do so.
The Discharge of Your Debt and Life After Bankruptcy
Your qualifying debts will be discharged within 3-4 ½ months. The Bankruptcy stays
on your credit report for ten years, but you can start rebuilding your credit right
away with a secured credit line.