Successful Bankruptcy Cases
Atlantis Law Firm Provides Outstanding Service to Clients
Atlantis Law Firm has helped numerous individuals, families and businesses across Los Angeles, San Bernardino, Riverside and Orange Counties through their legal and financial challenges. The team is happy to have helped so many people through their various issues and their clients have become valued friends. In this section, you can read through some of the success stories that Atlantis Law Firm has been able to provide clients, such as:
- Successful Chapter 7 bankruptcy discharges
- Successful Chapter 13 bankruptcy confirmations
- Successful lien avoidance motions that completely erased second mortgages
- Prevention of foreclosures and trustee's sales using emergency filings
- Successful loan modifications
- Settlement of debts, including large credit card bills
When you work with Atlantis Law Firm, no matter how dire your situation may seem, the team can help find a solution that best fits your needs. They pride themselves on striving for 100% client satisfaction and treat all clients with respect, dignity and compassion. The team is always only a phone call or an email away, and when you retain their services, they always stay in touch with you so that you are informed of the status of your bankruptcy case. At Atlantis Law Firm, you are not just a client - you become part of the family. Contact Atlantis Law Firm today to speak with a Rancho Cucamonga bankruptcy lawyer.
Robert & Maria, Ontario
Robert and Maria had racked up over $45,000 in credit card bills. Additionally, they had over $10,000 in unpaid medical bills. Robert had been in a car accident and was unable to work for over a year, so the bills kept racking up. They were current on their mortgage but with the unpaid bills growing, they wouldn’t be able to hold on any more. The final straw came when a they were sued over a credit card account that they owed over $10,000.
Robert and Maria came to Atlantis Law Firm because they did not know what to do about the lawsuit. We filed an emergency bankruptcy case for them, which immediately stopped the lawsuit. We walked them through the process, prepared their case, filed it, and in 3 short months, their bankruptcy case was discharged. Robert and Maria had over $55,000 in debts wiped out. They have a new start and are working on re-building their credit, debt-free.
Emily, Rancho Cucamonga
Emily owed back taxes for 2008 and 2009. As a result, the IRS started garnishing her wages–she was getting over $500 taken out of each paycheck. She had just bought a car a few months ago, with an extremely high interest rate. Emily came to Atlantis Law wondering what she could do.
Atlantis Law Firm filed a chapter 7 bankruptcy for Emily. This immediately stopped the wage garnishments. We took care of notifying the IRS immediately, and the very next paycheck, the garnishments stopped. Additionally, since her tax deficiencies were old enough, they were also discharged in the bankruptcy. Emily also had over $20,000 in credit card debts wiped away. Additionally, we negotiated with the company financing her car and were able to lower her interest rate by over half. Now, her monthly car payments are lower and more affordable.
Michael, Santa Ana
Michael had a good paying job but had accumulated a lot of debt. He owned many assets- a valuable car, an IRA, some stocks, and a partial ownership interest in a start-up company.
Michael had previously visited other bankruptcy attorneys who told him he did not qualify for a chapter 7 bankruptcy. However, with Atlantis Law Firm’s expertise, we were able get Michael to qualify for a chapter 7 by using deductions and more living expenses. We were also able to protect all of his assets- none were taken from him during his case. Three and a half months after filing, Michael received his discharge, and his debts were gone.
John & Patricia, Riverside
John and Patricia had come on some hard times. They owned their own business so their income was up and down each month. They had fallen behind 6 months on their mortgage payments and their home was being put for a sale in a month. The house was over $150,000 upside down, and they had a second mortgage on the home as well. They also owed some back taxes from 2010.
Atlantis Law filed a chapter 13 bankruptcy case for John and Patricia. The filing stopped the upcoming trustee’s sale of their home and put it on hold for the duration of their case. We prepared a feasible chapter 13 Plan for John and Patricia, a monthly payment they could afford. Their house arrears were put into the plan to be paid off so they could keep their home. We filed a Lien Avoidance Motion for them and successfully got it granted. This meant that their second mortgage would be completely stripped and they would not have to pay on it anymore. Additionally, the back taxes they owed were also put into the plan. After 5 years, John and Patricia will have completed a chapter 13 case, received a discharge, kept their home, and come out debt free.
Steve and Janet, Fontana
Steve and Janet were always current on their mortgage payments until Steve lost his job due to circumstances beyond his control. They fell behind and behind and behind. They came to us 6 months after not making a mortgage payment. They were struggling, the foreclosure process had started, and they did not know what to do.
Atlantis Law Firm quickly analyzed the situation and saw that a loan modification was the best solution. The interest rate on the loan was high and they could not keep up with the payments while Steve was out of work. After thoroughly analyzing the numbers, we submitted a viable loan modification application. We followed up with the application every few days to ensure that no additional documents were needed. By submitting the loan modification, the foreclosure process was stopped--an important provision of the newly enacted California Homeowners' Bill of Rights. After a few weeks, Steve and Janet obtained a favorable result--their monthly payments were decreased by several hundred dollars and their loan was brought current. After a 3 month trial period, their loan was permanently modified with a lower interest rate and more favorable terms.
Pat & Julie, San Bernardino
Pat and Julie were a hard working family, with two children to raise, a mortgage to pay, and several car payments. They made good, consistent income, but unfortunately, life got in the way. A business they started was not successful and a flood severely damaged their home. The credit card debt continued to build and pretty soon, they were drowning in debt. They tried to make monthly payments on their credit cards, but the balances simply did not go down.
When Pat and Julie came to Atlantis Law, they were distraught and not sure what to do. After an in-depth consultation, the expert bankruptcy lawyers at Atlantis Law determined that they would not qualify for a chapter 7 bankruptcy. However, we guided them through the pre-filing process and after a few months, we were able to get them to qualify. We filed their case and over $70,000 of debt was erased in a matter of months. A year after the bankruptcy, Pat and Julie had a credit score over 720! They are happier and healthier, and their financial future is bright!