Beverly Hills Bankruptcy Attorney: Chapter 7 and Chapter 13, flat fees, free consultation by video
Being garnished? Facing a sale date? Buried in card debt?
Bamboo Law Group is a Beverly Hills bankruptcy practice handling Chapter 7 and Chapter 13 across all five Central District divisions. Free consultation by video, with the attorney. Chapter 7 flat fee from $1,850, published in writing. Call (310) 555-0184. We answer the phone.
The three questions everyone asks first
Short answers here. Full answers one click away.
- Will I lose my house?Almost never in Chapter 7 if you are current and your equity fits the homestead exemption.
- Will I lose my car?Most people keep it. The trustee looks at equity, and most financed cars have none.
- Will people find out?Public record, but nobody is notified. No letter to your employer, no courthouse, no sign.
Bamboo bends all the way to the ground, then stands back up.
That is the whole idea. A consumer bankruptcy is not the end of anything. It is a federal law written so that people who got flattened by a layoff, a divorce, a diagnosis or a bad year can stand back up with their house, their car and their retirement intact.
Naomi Reyes-Ashford has filed about 2,400 of these cases since 2006 and does nothing else. She takes the consultation herself. If she thinks you should not file, she will say so on the first call, before you have paid anything. About one in seven callers hears exactly that.
- Fees published in writing, quoted on the first call
- Consultations and 341 meetings by video, so Riverside is as close as Rodeo Drive
- The attorney at every 341 meeting, not an associate you have never met
- A phone that gets answered, including at 8pm when the garnishment notice shows up
Does any of this describe this month?
Nobody searches for a bankruptcy lawyer on a good day. Most of our clients called after weeks of doing the math at the kitchen table and one specific event: a garnishment, a sale notice, a summons, a card declined at the grocery store. If two or three of these are true, a thirty-minute call will tell you whether bankruptcy fixes it or something simpler does.
Eight questions people actually search for at midnight
Not practice-area brochures. These are the pages people land on when the letter arrives, and each one answers the question in its first two sentences.
Chapter 7 Bankruptcy in Beverly Hills
Wipes out credit cards, medical bills, personal loans and most judgments in about four months. Flat fee of $1,850 for a typical case, quoted on the first call, not the second meeting.
Read moreChapter 13 Bankruptcy in Beverly Hills
A court-supervised plan over three to five years. It stops a foreclosure, lets you catch up on a house or car, and protects property a Chapter 7 can't. Most of the fee is paid inside the plan.
Read moreChapter 7 or Chapter 13: Which One You Qualify For
Your income, your equity, and whether you're behind on a house or a car decide this. We walk through all three on the first call and tell you which one, and why.
Read moreWhat Bankruptcy Costs in Los Angeles
Attorney fees, the $338 and $313 court fees, the two required courses, and what the flat fee does not cover. Published in writing because you should not have to call to find out.
Read moreCalifornia Bankruptcy Exemptions: What You Keep
California gives you two exemption systems and makes you choose. The 2026 homestead runs to $743,459 in Los Angeles County. Choosing the wrong system costs real money.
Read moreStop Wage Garnishment and Bank Levies
A garnishment stops the day the case is filed. If a bank levy or a short paycheck is what sent you here, we can usually file within days, sometimes the same day.
Read moreStop Foreclosure with Chapter 13
A Chapter 13 filed before the sale stops it, even that morning, and gives you up to five years to cure what you're behind. Timing is everything on this one.
Read moreStop Creditor Harassment and Collection Lawsuits
The calls, the lawsuits, the levies and the repossession all stop under the automatic stay. What it covers, what it doesn't, and what to do if you've already been served.
Read moreFour months, four steps, one Zoom call.
Prepare
We gather six months of pay stubs, two years of tax returns, and your bills, then build the petition and choose the exemption system.
2 to 4 weeksFile
The petition is filed electronically. The automatic stay takes effect the moment it is docketed: garnishments, calls and lawsuits stop.
Same day341 meeting
A short interview with the trustee on Zoom, under oath, usually done in ten or fifteen minutes. Naomi is on the call with you.
About 30 days laterDischarge
The order arrives in the mail. The debts listed are gone. Then we talk about rebuilding credit, which goes faster than people think.
About 60 days after thatMost firms will not put these on a website.
"How much does bankruptcy cost" is the question people ask most and the one almost nobody answers online. Here are ours.
Typical no-asset case, quoted on the first call and put in writing. Payment plans over two to four months before filing.
The Central District's no-look figure. Most of it is paid through the plan by the trustee, not up front.
Chapter 7 and Chapter 13, paid to the court. Waivers and four-payment installments exist for Chapter 7.
If bankruptcy will not help you, or a simpler tool will, we say so on the first call and explain what to do instead.
Nearly twenty years, about 2,400 cases, one practice area.
Naomi Reyes-Ashford opened Bamboo Law Group to do consumer bankruptcy the way she thought it should be done: the attorney on every call, the fee on the first call, and no case taken that should not be filed.
- Certified Specialist in Bankruptcy Law, State Bar of California Board of Legal Specialization
- Admitted to the California Bar, 2006
- Member, Central District Consumer Bankruptcy Attorney Association and Los Angeles County Bar Association
- Files in all five Central District divisions; attends every 341 meeting personally
The things that are actually different.
Published fees
The Chapter 7 flat fee, the Chapter 13 no-look fee and the court costs are on this site with real numbers. You should not need a meeting to learn the price.
The attorney, every time
Naomi takes the consultation, reviews the petition, and sits in on your 341 meeting. There is no intake specialist and no hand-off.
Handled by video
Consultations, document signing and the 341 meeting all happen on a screen. Clients in Palmdale, Santa Ana and Santa Barbara never make the drive.
Honest about fit
Roughly one caller in seven is told not to file. Judgment-proof on Social Security, student loans only, a debt that can be negotiated: we say so, and explain why.
About the process, in their words.
They answered every call.
I called four firms on a Tuesday night. Naomi's office was the only one where a person picked up, and she called me back herself the next morning. My 341 took eleven minutes on Zoom. The whole thing was over in four months.
She told me not to file.
I expected a sales pitch. Instead she spent twenty minutes explaining why my situation didn't need a bankruptcy yet and what to do instead. When it did make sense a year later, there was nobody else I was going to call.
Explained the means test until I understood it.
I'm not a numbers person. She walked through my six months of pay stubs on a shared screen, showed me exactly where I landed against the median, and quoted the fee in writing that day. No surprises after.
Reviews are posted under first names or initials at the client's choice. They describe the process and communication, not results; every case is different and no outcome is guaranteed. On a live site, this block is a live Google review embed, never hardcoded text. The reviews shown here are fictional and illustrate a demonstration website.
Five courts, one office, ninety miles by video.
The Central District of California is the busiest bankruptcy court in the country, and it is split into five divisions. Yours is assigned by the county you live in, not by where your lawyer sits. Since June 2024, 341 meetings for Chapters 7, 12 and 13 have been held on Zoom, which means a client in Riverside or Lancaster goes through an entire case without driving to Beverly Hills, and without driving to the courthouse either.
We file in all five. The practice in each is a little different, from how the trustee panel runs the Zoom calendar to how the judges handle reaffirmation hearings, and we have written a page on each so you know what to expect.
- Los AngelesRoybal Federal Building, 255 E. Temple St. Most of L.A. County, including Beverly Hills.
- San Fernando ValleyWoodland Hills. The Valley, Santa Clarita, Palmdale and Lancaster.
- Santa AnaAll of Orange County.
- RiversideRiverside and San Bernardino counties.
- NorthernSanta Barbara. Santa Barbara, Ventura and San Luis Obispo counties.
The questions every first call starts with.
Will I lose my house?
Almost never in a Chapter 7 if you are current on the mortgage and your equity fits inside the California homestead exemption, which reaches $743,459 in Los Angeles County for 2026. If you are behind on payments, Chapter 13 is the tool that keeps the house: it stops the sale and spreads the arrears over the plan.
Will I lose my car?
Most people keep their car. The trustee cares about equity, not the car itself, and most financed vehicles in Los Angeles have little or none. If you keep paying the loan, you keep the car. Chapter 13 can even reduce an older car loan to what the car is worth.
Will my employer or my neighbors find out?
Bankruptcy filings are public records, but nobody is notified except your creditors. There is no letter to your employer, no announcement, and no sign on your door. Since June 2024, your 341 meeting happens on Zoom, so there is not even a trip to a courthouse.
How much does it cost?
Chapter 7 is a flat $1,850 for a typical case plus the $338 court filing fee and two short online courses. Chapter 13 is $7,000 under the court's no-look fee schedule, most of which is paid through the monthly plan rather than up front. The full breakdown is on the cost page.
Do I have to come to Beverly Hills?
No. Consultations are by video or phone, documents are signed electronically, and 341 meetings in the Central District are on Zoom. Clients in Riverside, Palmdale, Santa Ana and Santa Barbara go through the whole case without driving here. The office is available if you prefer it.
Do I qualify for Chapter 7 or do I need Chapter 13?
It starts with the means test: your last six months of income compared with the California median for your household size ($102,797 for two people as of April 2026). Below it, Chapter 7 is usually open to you. Above it, or if you need to catch up on a house or car, Chapter 13 is often the answer. We run the numbers on the first call.
How long will this stay on my credit?
A Chapter 7 can appear for up to ten years and a Chapter 13 for up to seven, but the practical effect fades much faster. Most clients have usable scores within a year or two, and FHA lenders will consider a mortgage two years after a Chapter 7 discharge.
Do you offer payment plans?
Yes. Chapter 7 fees are paid before filing, and spreading them over two to four months is routine. Chapter 13 is different: a modest amount before filing and the rest through the plan, paid by the trustee. If a garnishment is running, we will talk about what it takes to file quickly.
Thirty minutes with the attorney. Not an intake screen.
Tell us what happened and what is at risk. Naomi will tell you which chapter fits, what it costs, and whether you should file at all. Evenings by video are available, because financial panic does not keep office hours.
Beverly Hills, CA 90212