A judgment creditor with a final money judgment can create a judicial lien on any real property owned by the judgment debtor by recording the abstract of judgment issued by the court with the county recorder where the property is located. As a form of consumer reorganization, a Chapter 13 petition is available only to individuals with less than $336,900.00 of noncontingent, liquidated, unsecured debts, and less than $1,010,650.00 of noncontingent, liquidated, secured debts, pursuant to 11 USC §109(e), as adjusted every three (3) years according to the Consumer Price Index.
If you are filing Chapter 7 bankruptcy in Los Angeles and you don't have an attorney, you may also complete the forms using the online system known as the Electronic Self-Representation software ( eSR ). Once you start the process on eSR, it provides up to 45 days to complete your petition online.



Chapter 13 is a Reorganization,” which is designed primarily for homeowners who've fallen behind on their mortgage payments, but currently have enough income to make the regular mortgage payments as well as a little extra to pay back the missed payments over the 5 year life of the Chapter 13 Plan.
Researching and hiring knowledgeable and experienced bankruptcy lawyers in Los Angeles is important because you want to make sure you choose someone who can protect all of your assets such as your house, your car, and any liquid cash you may have in your bank accounts.
From private equity firms deciding it's a better financial decision to close the factory than keep it running, hedge fund managers leaving to start fresh with new funds and new investors after their existing investments turn sour, Sam Zell allowing the Tribune Company to file for bankruptcy, to banks themselves deciding to complete strategic defaults when their own real estate investments go bad.

Usually, the mainstream bankruptcy lawyers' argument about the supposed inability of the debtor to file bankruptcy without lawyer, is made along the same line argued by the writer in the above stated article, namely, that since the new "reform" bankruptcy or BAPCPA law implemented in October 2005, "the climate has drastically changed" in respect to the law and the procedures for filing bankruptcy, and that they have gotten so "complex" now that it is almost too difficulty, if not impossible, for a debtor to file chapter 7 bankruptcy without lawyer.
This prohibition in 11 USC §1328(f), added by the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA), seeks to put an end to the so-called, "Chapter 20," that is, filing a Chapter 13 after a Chapter 7 to obtain discharge for debts that had survived the Chapter 7 discharge.
Resources and free legal help are available with services such as the Debtor Assistance Project and Karsh Legal Clinic The Los Angeles Bankruptcy Court offers a Self-Help Bankruptcy Attorney Los Angeles desk on Mondays and Wednesdays from 10:00 a.m. - 12:00 p.m. and 2:00 p.m. - 4:00 p.m. at 255 East Temple Street Room 100 to help you to file your Los Angeles bankruptcy.

Lemle Law Group represents people in Los Angeles County, Orange County, San Bernardino County, Riverside County and Ventura County, including the cities of Los Angeles, Malibu, Santa Monica, Culver City, Brentwood, Westchester, Manhattan Beach, Hermosa Beach, Marina Del Rey, Encino, Sherman Oaks, Tarzana, Ventura, Oxnard, Simi Valley, Riverside, San Bernardino, Pasadena, South Pasadena, La Canada, Alhambra, Covina, West Covina, Santa Ana, Orange, Torrance, San Pedro, Long Beach, East Los Angeles, Boyle Heights, Monrovia, Glendora, San Marino, Arcadia, Calabasas, Thousand Oaks, Glendale, Burbank, Monterey Park, Whittier, Altadena, Rancho Palos Verdes, Rolling Hills, Redondo Beach, Inglewood, Compton, Pacific Palisades, and other cities throughout Southern California.