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We Offer Our Services to Clients Throughout California

Since 2009, Financial Relief Law Center has helped people work through complicated legal and financial problems to create better futures for themselves and their families. With years of experience behind each attorney at our boutique firm, we’ve been able to support clients undergoing bankruptcy and related legal challenges by making the process as painless as possible.

Bankruptcy Assistance

The Guidance You Need to Face Your Financial Challenges

The bankruptcy code is a complicated area of law that experienced legal counsel should be sought. Our attorneys handle Chapter 7, 11, 12, and 13 cases throughout California and have a clear understanding of the process.

After a free legal consultation with our attorneys, we can guide you to the right Chapter and how it can help achieve your goals. You can access our blog for information on Reaffirmation Agreements and what you can expect at your Meeting of Creditors.

Knowing what each chapter of bankruptcy is about and who typically files for it can answer important questions you may have or inspire new ones to ask one of our attorneys.

 Most circumstances you may face in life that deal with these areas of law could upend your daily life and make you feel as if the future for you and your family is uncertain. It doesn’t have to be like that, and Financial Relief Law Center’s attorneys can help you find solutions to your legal and financial problems in Orange County.

Reach out to us online or call (949) 570-5466 to request a free consultation with an attorney who may be able to help you resolve the challenges you’re facing.

We have helped clients through complex legal matters such as:

Bankruptcy Assistance

Here are the bankruptcy chapters we can help you file:

  • Chapter 7 is a liquidation and is typically the quickest form of bankruptcy to use when clearing your debt. Not everyone is eligible, however, and even if you are eligible it may not be the right choice for you for various reasons your attorney can explain.
  • Chapter 13 is often used to restructure debt and save your home. Chapter 13 has an additional benefit of what is commonly known as a lien strip, which may allow you to strip off or avoid the junior mortgage lien on your home if it is wholly unsecured.
  • Chapter 12 is a section of the bankruptcy code reserved for agricultural sector. Perhaps the best perk of a Chapter 12 is the valuing of real property and modifying or adjusting the promissory note obligation down to the value of the real property.
  • Chapter 11 clients generally have debts that exceed the secured and unsecured debt limits in a Chapter 13 and can be filed by an individual or a business. The goal in a Chapter 11 is to reorganize to allow the individual or business to continue operating while reducing liabilities. Similar to Chapters 12 and 13, real property can be valued which may allow the avoidance of a junior lien or the adjustment of a promissory note, depending on the type of property.

Reach out to us online or call (949) 570-5466 to request a free consultation with an attorney who may be able to help you resolve the challenges you’re facing.

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Debt Settlement Relief

We Can Help You Find the Right Solution

Helping Individuals and Families Turn a Corner

If you are like many Americans in this economy, you are facing an overwhelming amount of debt and looking for a solution. Here at Financial Relief Law Center, APC, we have many solutions to your debt problems. We can examine the benefits of using bankruptcy or debt settlement and help guide you to the best result. Debt settlement is the concept of settling your debt with creditors for less than what you owe to them in exchange for a release of liability. Our boutique law office utilizes trained attorneys who regularly work with all types of creditors, both large and small, to resolve our client’s debts.

Short Sales

California real estate law provides that you may be liable on a second, third, fourth, and any other, priority lien on your home for a deficiency balance if the home is sold at a foreclosure auction. Our office provides clients with legal counsel to determine liability on junior liens; we are retained to then negotiate terms in the short sale transaction to reduce or eliminate liability on any junior liens.

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Hear From Our Happy Clients

At Financial Relief Law Center, APC, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

    "Our case was resolved exactly as they said it would."
    Andy was very professional and supportive during our difficult bankruptcy process. The closing of our business was stressful enough but we were blessed to have Andy and his team prepare our bankruptcy.
    image - David N.
    "You won't be disappointed!"
    Having Amanda by my side in court took away a lot of my fear and thankfully my debt was discharged in August 2019.
    - Aubrey M.
    "I felt welcomed and reassured."
    Most other attorneys were fairly dismissive of my situation but Andy fought for me and literally saved me over $100,000 on a severely complicated case. Andy fought for me where others would have given up.
    - Nick S.
    "Amanda Billyard was a very professional, prompt, & an amazing attorney."
    She didn’t hesitate to jump right in and help us with all the harassing phone calls and all the tedious things that needed to get done. We highly recommend Financial Relief Law Center.
    - Kristina P.
    "Knowledgeable, understanding, and most of all trustworthy!"
    Andy Warshaw is truly amazing! The Financial Relief Law Center will answer all of your questions and look out for what is best for YOU!
    - Nata E.
    "Very grateful. Specialized professionals. Excellent care."
    Bankruptcy was a "daunting time" for me... It felt like as shroud of clouds was lingering in the upper regions of my mind. However, that quickly evaporated when Andy Warshaw came into the scene!
    - Javier A.

What Sets Us Apart?

As attorneys who routinely support consumers in potentially dire financial straits, we are empathetic and compassionate about what these problems mean to our clients. More importantly, we’ve grown to understand how important it is that we only deliver our best possible work so our clients’ chances of getting the best possible outcome are secured.

  • 30+ Years of Combined Legal Experience
    Our team of attorneys has extensive knowledge of bankruptcy and estate planning law, with over three decades of combined experience between them.
  • Solutions Fit for Your Unique Case
    No two individuals, or their cases, are ever identical. We seek to provide viable solutions that your unique case deserves.
  • Constant Client Communication
    You won't be out of the loop! We make sure all of our clients are up-to-date with the status of their case.
  • Free Consultations
    Why pay to have a conversation? Our phone, video and in-person consultations are 100% complimentary.