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I AM A BANKRUPTCY ATTORNEY
IN RANCHO CUCAMONGA & Pasadena

stop harassing creditor calls

Credit card debt

Home Foreclosures

student loans

Call (909)-552-1238 to schedule a FREE consultation!

At the Law Office of Terrence Fantauzzi, Rancho Cucamonga bankruptcy attorney, we can help you take advantage of your rights under the bankruptcy code to restart, rebuild and recover financially. We exclusively handle Southern California consumer bankruptcy and federal student loan cases throughout the Inland Empire. Our mission is to be reliable advocates for our clients. 

 We’ve filed hundreds of Chapter 7 and Chapter 13 petitions over the last 10+ years. Bankruptcy is the only option that can silence harassing creditors, stop foreclosure and permanently eliminate your debt. Contact us today to find out if bankruptcy is right for you.  

SOCIAL DISTANCING DURING COVID-19

We are fully operational through our remote, online capabilities. This technology allows us to maintain our regular business hours and to provide ongoing attention to client cases with little or no disruption, including new client inquires.

We have locations in:

PRACTICE AREAS

What is Chapter 13 bankruptcy

Chapter 13 Bankruptcy​

If you’re being sued by a debt collector or heading for foreclosure, contact us. We have the expertise and experience to stop legal actions and help you get back on track financially.

What is Chapter 7 bankruptcy

Chapter 7 Bankruptcy

A legal option that can help you clear some or all of your unsecured debt in 3 to 6 months. We can help you determine if bankruptcy in California makes sense for you.

Student Loandebt

Student Loan Debt

Don’t suffer with payments that are too high. Federal student loans have several repayment plans that might help you stay out of bankruptcy and still pay off your loans. We can help you choose the right plan for your circumstances.​

CONTACT US TODAY

We can help you solve debt-related issues and stop creditor harassment in Ventura, Los Angeles, Riverside, Orange and San Bernardino Counties.

Terrence Fantauzzi bankruptcy attorney

BANKRUPTCY ATTORNEY TERRENCE FANTAUZZI

We help clients discharge or repay their debts through Chapter 7 or Chapter 13 bankruptcy.

If you have student loan debt, we can move you into a payment plan that allows you to repay your loan without stumbling under crushing monthly payments.

RANCHO CUCAMONGA Bankruptcy Attorney

OXNARD
Bankruptcy Attorney

CALIFORNIA
STUDENT LOAN LAWYER

We enforce  social distancing and offer virtual consultations during our regular business hours.
Get debt relief with bankruptcy attorney Terrence Fantauzzi

OFFICE HOURS BY APPOINTMENT ONLY

Monday-Friday: 9am-7pm

Saturday-Sunday: Closed

HERE'S WHAT OUR CLIENTS SAY

  •   From the beginning the entire team has been incredibly helpful in answering all of my questions, concerns, etc. super friendly, very honest, responsive, and straightforward

    thumb Joshuah C.
    1/20/2021

      I was really dreading having to file for Bankruptcy, let alone the time and effort it was going to take to get all my documents together in order to file.... read more

    thumb Eric B.
    1/19/2021

      I received Great service from the entire office staff! From the beginning to the discharge was an easy process! Even after the discharge the attorney and Sara remained available for... read more

    thumb Rennie B.
    1/09/2021
  •   My bankruptcy just got discharged thanks to Alicia and Sarah and their team, This was a very smooth process. They answered all my questions, and I have a fresh start... read more

    thumb Jess M.
    12/16/2020

      I just want to thank Mr. Fantauzzi and all associates. If your thinking of filing bankruptcy, look no further than this law office. They are extremely knowledgeable and straight shooters... read more

    thumb Jeryl B.
    11/08/2020

      Best team. They answer all your questions even when I tell them I was asking for someone else, I made the call and recommend them to two different friends fb... read more

    thumb Danika F.
    9/28/2020

BANKRUPTCY CAN HELP

Bankruptcy can stop wage garnishment

STOP WAGE GARNISHMENTS

Bankruptcy can wipe out debt

WIPE OUT DEBT

Bankruptcy can stop foreclosure

PREVENT FORCLOSURE

CHAPTER 7 BANKRUPTCY ATTORNEY

Bankruptcy under Chapter 7 is known as “liquidation.”  Under Chapter 7, my clients usually keep all or most of their property and/or home equity through California’s generous exemptions. If filing for Chapter 7 Bankruptcy makes legal and practical sense for you, we will prepare your petition and schedules and file them with the bankruptcy court. At this point, the automatic stay will go into effect. 

Harassing creditor calls, foreclosure activity and wage garnishments stop almost immediately. Any further communications from your creditors will have to go through our office. 

The fact is, you can go through Chapter 7, get most of your debt wiped out within six months and begin rebuilding your credit.   You don’t have to tackle the problem on your own. 

The goal of chapter 7 in California is to discharge, or wipe out the mountain of debt that is preventing you from moving forward with your life. It is most common form of consumer bankruptcy. Debt you can eliminate through Chapter 7 include:

  • Credit cards
  • Personal loans
  • Bank Levies
  • Leases
  • Mortgage deficiencies
  • Medical bills
  • Judgments
  • Certain tax obligations

If you are unemployed as the result of COVID-19, or if you have massive medical bills or credit card debt, contact a Pasadena Bankruptcy attorney for a free consultation today!

CHAPTER 13 BANKRUPTCY ATTORNEY

Bankruptcy under Chapter 13 is commonly referred to as the “wage earner plan.” You must have a reliable source of income to repay some portion of your debt.

Chapter 13 in California allows our clients to reorganize their debt to repay all or a portion of their credit cards, taxes and past due mortgage and vehicle payments over a 3 to 5 year period. Although this option takes longer than Chapter 7, there are several advantages:

  • Stop foreclosure proceedings and cure delinquent payments
  • Lower and extend payments for secured debts
  • Protect co-signers from creditors
  • The court trustee distributes payments, so you don’t have to deal with the creditors
  • Debt remaining after all plan payments are made are discharged

The amount of your payments depends on how much you earn, your disposable income and the amount of non-exempt property. We can help you determine if you are eligible for Chapter 13 by assessing the amount of secured and unsecured debt.

FEDERAL STUDENT LOAN LAWYER

The government chooses which organization servicers your loan when you take out your first federal student loans. The vast majority of Federal Student Loans are serviced by one of these organizations:

  • FedLoan Servicing
  • Cornerstone
  • HESC
  • Granite State
  • Great Lakes
  • OSLA
  • Nelnet
  • MOHELA
  • Navient 

If you have tried working out payment arrangements or cannot make the payments you were assigned, we can help.

There are a variety of options available to help you deal with your student loan debt, from rehabilitation and consolidation to repayment options. We can analyze your situation and assess which options can lower your monthly payments, stop wage garnishment, recover from IRS tax intercepts, and more.  

Schedule a free consultation today

Don't wait to take back control of your financial future. Call us today.

3 Convenient Locations

Rancho Cucamonga

Pasadena

Oxnard

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