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Two Decades
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Bankruptcy and Debt Relief

Don’t blame yourself. You didn’t ask for this. Bankruptcy is a scary word, but it doesn’t have to be if you have the right guide. You didn’t do anything wrong. Sometimes, life just happens. And when it does, you’ll be glad there’s not just laws to help you, protect you. But, also relieved to know there are caring and skilled professionals like Antico Debt Law who have experience to shepherd you through a confusing process.

Helping people start over is all we’ve done for over 15 years. You might think it’s easy. But bankruptcy is not all about forms.  It has the deceptive appearance of being “just papers” you can fill out yourself — and you can. But whether you should or not is an entirely different question. People can, and do, lose things in bankruptcy. It’s our place to protect you, explain things to you in plain language that you can understand, and ensure the experience is as easy and pleasant as possible.

Chapter 7 Bankruptcy


Chapter 7 bankruptcy is for debtors or families with lower income. That is, borrowers who can’t afford to repay their debts. The law says that people aren’t required to pay the debt if you truly do not have the ability to make any payments.  The process is generally complete in a matter of months.

But this option comes with its dangers. First, not everyone qualifies for it, since it relies on income and how much money you earn. Next, people really do lose things in filing bankruptcy under this chapter.

You may figure you don’t have anything, but you’d be surprised how broad “property” is. They even consider things you don’t even have yet (like tax refunds), and can take them. There is risk. Further, the bankruptcy trustee and Department of Justice will review if you have repaid family or friend, sold, given away, or transferred anything in the past number of years. If so, they can go after the asset, or sue the person who received it. Chapter 7 bankruptcy has many risks and issues that require a great amount of caution.

Chapter 13 Bankruptcy


Chapter 13 bankruptcy is where you make payments on the debt, generally a lot cheaper than if you were making all the monthly minimum payments yourself. It’s like a debt consolidation, administered by a bankruptcy trustee. It has its own advantages and drawbacks.

First, because it’s a debt repayment plan, you keep all your stuff. Next, because it relies on your good income to repay some debt, Chapter 13 bankruptcy has a way to catch up on mortgage lates, stop foreclosure and keep your home.

In addition, it stops interest from getting racked up, you can’t get sued, and the monthly payments are usually lower than what you’re already paying your credit cards.

Further, the monthly payments for Chapter 13 bankruptcy can often be cheaper that what you’re already paying the credit cards yourself, with an end point. We’ll help you weigh your options and help decide which chapter is best for you, or if there is some other alternative.

Let Us Be Your Guide


Bankruptcy law is complex. While we try to explain bankruptcy basics, this is a process where you want to go with a seasoned professional.

Over the past twenty years, we’ve helped thousands of your neighbors file bankruptcy to get a fresh start. Let a trusted bankruptcy attorney in Santa Clarita with two decades’ experience be your guide, too.

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Sierra at Soledad
Mon-Fri: 10am – 5pm

The purpose of [the Bankruptcy] Act has been emphasized ... in that it gives to the honest but unfortunate debtor ... a new opportunity in life and a clear field for future effort.

1. No-Pressure <strong>Consultation</strong>

1. No-Pressure Consultation

Let's talk about your options, go over pros and cons, and get honest advice from a professional.
2. Make a <strong>Decision</strong>

2. Make a Decision

Take your time to think about it and decide which option is best for you, and then get protected.
3. Legal <strong>Agreement</strong>

3. Legal Agreement

Return with the signed agreement and start with our affordable and flexible payment plan.

Frequently Asked Questions

What to expect from the initial consultation?

At the first consultation, we’ll meet for 30 minutes. In that time, we’ll review your options and pros and cons of each. We’ll explain bankruptcy, and how it applies to your situation. Then, you’ll get advice about which path we suggest, along with a quoted fee for our services, which includes an attorney being with you at court. No pressure, just bankruptcy information and options for you to consider on your own timeline.

What is the cost of a bankruptcy?

What does it cost to paint a house? There is no one way to answer this, since it depends on the size of the house, and how much work is involved. Each case is different, and each client is unique. Our law firm will treat you like the individual that you are instead of a file number on a mass production assembly line like some lawyer factories. Once we have a chance to evaluate your case, we’ll provide a fixed set number in writing which you can take home to deliberate. We accept payments, don’t charge interest, and are flexible.

Will I keep my house or my car?

If it’s your goal to keep your house or car, you continue to pay for the mortgage or car payment and generally you can keep them. Almost all our clients keep their cars and vehicles and homes. But beware: there are times in Chapter 7 bankruptcy where you can lose things, so this is a risk. However, we’ll evaluate your assets to provide you a clear assessment of any dangers. If there is even the slightest chance you could lose things, we’ll suggest alternatives to keep you and your things safe.

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Antico Debt Law – A bankruptcy attorney in Santa Clarita CA and federal debt relief agency pursuant to Title 11 of the Bankruptcy Code

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