About the Firm

Introduction

The goal of the firm is to be a safe place for you to talk to an attorney and feel at ease. The whole team focuses on delivering you clear and concise information about your bankruptcy throughout the entire process from filing to discharge. There are a lot of steps when going through a bankruptcy, so it is important to choose a firm that will be clear about what to expect and help you through the process seamlessly.

A notable adaptation in recent times involves the conduct of bankruptcy hearings. In response to the Covid-19 pandemic and the changes enacted during the lockdown period, the bankruptcy court has transitioned to virtual platforms like Zoom and telephonic communication. Christopher Hewitt's law firm has adeptly embraced this shift, enabling them to cater to inquiries from clients throughout California, regardless of the county they are located in.

Why Choose our firm?

Experienced Attorney: We have filed thousands of bankruptcies in the state of California and have obtained great results for our clients. It’s not just important for your attorneys to understand the rights you have under California Bankruptcy law, but also how the trustee will view and respond to your particular case. By using a firm that has been doing bankruptcies for nearly two decades in the local area you can ensure you will get the best results under the law.

Diverse Specialization: Expertise in various bankruptcy chapters, including Chapter 7, Chapter 13, and Chapter 11, to serve a wide range of clients. We have experience with so many bankruptcies, it is unlikely you will bring a problem we haven’t dealt with before. By being able to clearly understand your situation we will be able to recommend the best course of action and file your bankruptcy as fast as necessary.

Strong Reputation: We have a solid reputation for providing effective and ethical legal services. Most of our business comes from client referrals which indicates that our clients are so happy with our services they recommend us to friends and family.

Client-Centric Approach: We have a strong commitment to putting clients' best interests first and delivering personalized solutions. We go out of our way to help our clients get through their difficult situations above and beyond what is expected. We have been known to make house calls for clients unable to drive or with physical impairments, drive clients to the bank and answer calls late at night for desperate people facing an impending foreclosure. We will answer all your questions and concerns during and throughout your bankruptcy process.

Accessibility: There are very few law firms where the lead attorney answers the phone himself but that is what we pride ourselves on. Additionally, our whole team will follow your case and let you know anything urgent that needs your attention. Proactive Risk Management: By identifying and addressing potential risks to prevent complications during bankruptcy proceedings, we are able to streamline the process so that there will be no surprises. The experience our firm has will work to your advantage by explaining to you what your options are and the benefits and ramifications of the choices you will be able to make a decision you are comfortable with.

Client Education: It is our firm's responsibility to inform clients about their rights and responsibilities throughout the bankruptcy process. You will receive all official notifications from the Superior Court of California through mail. However, we will provide you with a brochure upon the first meeting that gives you all the important information you will need to have handy during your bankruptcy. Furthermore, our website can be a great resource for you to look up the processes for your Chapter 7, Chapter 13 and all the documents we will need from you in order to satisfy the court’s requirements.

References and Testimonials: We have a wide range of customer testimonials and reviews from happy customers. You can visit our website Testimonials page, or visit our Google Business pages in Palm Desert, Riverside or San Clemente. We hope we will be able to add you to our list of satisfied clients in the upcoming months.

Flexibility: We understand that during difficult times it is not easy to pay for your bankruptcy and we work with our clients about payment, meeting deadlines, meeting times and places, and whatever you may require to ensure you have a successful experience dealing with your bankruptcy.

Client Privacy: We ensure your private information stays private. We utilize all the latest technology protocols and software to protect your personal information. All paper documents are destroyed once we no longer are required to keep them on file.

Offices

We utilize three offices to conveniently service Riverside, San Bernardino and Orange Counties. We can accept appointments to any of the three office locations. Often you will be able to come in without a day or two, and if your case is urgent, we will make special arrangements. If you are unable to physically travel and you are within our area of service, we can make special arrangements to come to your house to discuss your case. Additionally, we can also go through your entire case over Zoom or the phone to ensure we can service everyone regardless of their situation.

Palm Desert
Address: 74361 Hwy 111 #7, Palm Desert, CA 92260
Phone: 760-459-2438
Our dedicated Palm Desert office services the following areas:
Indio, Hemet, Palm Springs, Cathedral City, Palm Desert, La Quinta, Banning, Beaumont, San Jacinto, Coachella, Desert Hot Springs, Joshua Tree

San Clemente
Address: 209 Avenida Del Mar #206, San Clemente, CA 92672
Phone: 949-503-1304
Our dedicated San Clement office services the following areas:
Anaheim, Santa Ana, Irvine, Huntington Beach, Garden Grove, Orange, Fullerton, Costa Mesa, Mission Viejo, Newport Beach, Lake Forest, Buena Park, Tustin, San Clemente, Laguna Niguel, Fountain Valley, Temecula, Murrieta, Menifee, Lake Elsinore, Wildomar

Riverside
Address: 3891 Tenth St, Riverside, CA 92501
Phone: 415-265-2917
Our part time office space for appointments only services the following areas:
Riverside, Moreno Valley, Corona, Yorba Linda, La Habra, Placentia, Brea, San Bernardino, Fontana, Rancho Cucamonga, Ontario, Victorville, Rialto, Chino, Upland, Redlands, Highland, Hesperia, Yucaipa, Montclair, Adelanto, Colton, Perris, Eastvale

Financial Problems

We live in a fast-changing financial world these days and decisions made at the highest levels of government are trickling down to ordinary working people. There are so many current and upcoming possible financial hurdles for Americans that understanding your rights as a California resident is very important when considering bankruptcy.

Are any of these problems affecting you?

• Are creditors calling nonstop or hassling you in unreasonable ways?
• An upcoming and imminent foreclosure on your home?
• Are rent and inflation increases squeezing your budget to the point where you are using credit cards just to pay for groceries?
• Are you facing job insecurity due to layoffs or finding it difficult to make a living wage?
• The wages are being Garnished making you unable to pay your debts?
• Are student loan payments making it difficult to keep up with your financial responsibilities?
• Is home ownership with adjustable mortgage rates making your dream home impossible to afford?
• Have you received Paycheck Protection Program “PPP”, Economic Injury Disaster Loans “EIDL”, Shuttered Venue Operators Grant “SVOG”, Restaurant Revitalization Fund “RRF”, or other loans from Covid-19 relief that you are unable to pay back?
• Are credit card companies raising rates or lowering limits, making your debt unmanageable?
• Is food inflation forcing your family to use Credit Card debt to make ends meet?

What Type of Bankruptcy is right for you?

Consider these questions when discussing your attorney so that you have a better understanding of what is important when filing for bankruptcy. It is crucial that you give all this information to your attorney in order to get the best and fastest results possible.

1. Income Sources:
   • Assess your various sources of income, including wages, social security, disability benefits, pensions, and spousal support.
   • Understand how these income sources are treated in bankruptcy and whether they are exempt from creditors.
2. Housing Situation:
   • Determine whether you rent or own your home.
   • Evaluate the equity in your home if you're a homeowner, as this can impact bankruptcy exemptions and potential asset liquidation.
3. Marital Status:
   • Consider whether you're married or single, as household income and financial obligations can vary based on marital status.
4. Debt Overview:
   • Create a comprehensive list of all your debts, including credit cards, medical bills, loans, and any outstanding obligations.
   • Categorize debts as secured (backed by collateral) or unsecured (not backed by collateral).
5. Debt Amounts and Types:
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   • Note the specific amounts owed for each type of debt to understand the overall financial burden.
   • Differentiate between priority debts (e.g., taxes, child support) and non-priority debts.
6. Secured vs. Unsecured Debt:
   • Identify which debts are secured by assets, such as homes or vehicles, as these can impact how they are treated in bankruptcy.
7. Vehicle Ownership:
   • Determine whether you lease, finance, or own your vehicle.
   • Consider whether the vehicle's value is exempt or if it could be subject to liquidation.
8. Dependents and Childcare:
   • Account for any dependents in your household and their associated costs.
   • Factor in childcare expenses, as they can impact your disposable income and repayment plan.
9. Bank Accounts:
   • Evaluate the balances and types of bank accounts you hold.
   • Understand the potential impact of bankruptcy on your bank accounts and any exemptions available.
10. Previous Bankruptcy Filings:
    • Disclose whether you've previously filed for bankruptcy, as this can influence eligibility for certain types of bankruptcy and timing restrictions.

Considering these aspects will help you build a comprehensive understanding of your financial situation and make informed decisions when navigating the bankruptcy process. Remember that bankruptcy law can be complex, and seeking guidance from a trustworthy and knowledgeable attorney is highly recommended to ensure you're making the best choices for your circumstances.

Free Consultation

Christoher Hewitt Esq. provides a free consultation for anyone dealing with financial challenges. Almost everyone experiences anxiety or discomfort when contemplating a meeting with a bankruptcy attorney to explore personal bankruptcy options. The mere idea of bankruptcy often triggers a range of emotions. It's important to recognize that Christopher Hewitt empathizes with the challenging and emotionally charged nature of this situation. He also understands that the majority of bankruptcy cases result from uncontrollable circumstances, like job loss or significant medical issues. Christopher refrains from assigning blame or passing judgment on his clients. Instead, his approach is collaborative, working together to identify appropriate solutions for their financial difficulties, whether that involves bankruptcy or exploring alternatives such as credit counseling or debt settlement.

To Learn More Visit our Free Consultation Page

If You Are Ready to Get Started: How to Become a Client

Call Us Now to Make an Scheduled Appointment (Monday-Friday 9-5)
Phone: 949-503-1304

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