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Posts Tagged ‘Orange County Bankruptcy Law’

Chapter 7 Bankruptcy: From Financial Bondage to Financial Freedom

Tuesday, May 31st, 2011

The following story is an unedited letter from a client detailing the difference that bankruptcy, and Doan Law Firm in particular, made in her life. She asked that we not publish her name.

When in debt and facing the potential of bankruptcy, we often feel like slaves to our debtor. We feel this because most likely we are.

If we are unable to pay on time, we are charged more.  If we ignore the creditor, we are tainted with marks to a credit score while being charged more fees.

After years of avoiding creditors, my husband and I called Doan Law Firm. I came into their office feeling defeated and guilty. I knew those feeling were a direct result from the shame I felt after being sued not once, but twice, for not paying creditors. And the truth is I felt we deserved being sued, since we were unable to repay the debt.

After having excellent credit and being debt free, for years, my husband was in a bad accident on the job. He was not only hospitalized, but terminated from his job while laying in the ER.

When it was time to keep the lights on, I was grateful we had good credit. I figured it would allow us to make up the the difference in income we had lost from his job. But when my husband fell into a deep depression during a bad case of post traumatic stress syndrome, I felt that paying bills with credit cards, instead of having my husband worry about the finances, would be best. This ended up being my biggest regret.

Time passed so quickly and all the 0% cards soon came back at 32% and within two years we were way over our heads.

As devout Christians, I knew the debt was a sin.  First, I was not only unable to keep my word and repay the creditors, but now money (or the lack of money) had become our biggest worry! I know to worry is the expectation that God is going to fail me, yet I operated in fear trying to fix things financially the wrong way. It was wrong to ignore the creditors while I was praying for some miraculous pay off that never arrived.

We didn’t want to file bankruptcy; we wanted to pay everyone back! Our excuse not to file was a mere reflection of the pride we carried.

After speaking to a rep at Doan Law Firm, I was told that I only needed a penny to remind me to trust in God. After that phone conversation I felt God tug on my heart. I hung up with that rep and that afternoon is when I fell to my knees in repentance. I didn’t realize how much I needed to repent from. I had to repent from mismanaging money, the spirit of entitlement ( I wanted to keep living the same way I did before the accident), I had to repent from lying ( I spent months lying to creditors telling them I would call them back and never did),  and from the spirit of pride which kept me from getting help sooner. I fell on my face asking God to forgive me for being in debt, regardless of how I got there. I hadn’t realized how much was attached to the debt and how much it was blocking me from growing spiritually.

We had been tithing for years and still weren’t able to find financial overflow or freedom from living pay check to pay check.

It finally all made sense to me when I repented right before paying for our bankruptcy. God removed our pride and sense of entitlement, and He reminded us during this process how important it is to live right in every area of our life, and this included in our finances.

Recently, after we have arrived to a new season in our walk with the Lord, I lost one of my biggest accounts. I was worried, but the week we repented I saw a miracle. I picked up 3 new accounts, which tripled my income. I praise God because his love and mercy never failed us. He forgave us. In our case we needed to repent in order for the windows of heaven to release all that he had in store for us. It’s amazing all the goodness that comes from walking in obedience!

“Thank you Doan Law Firm for showing us love and compassion; we really needed it.”

Experience matters

Tuesday, January 11th, 2011

Experience matters. So too does compassion and quality client care. We can tell you why, but it may be better and more insightful for you to hear it from a client.


“When we looked you up on your website we appreciated the Bible verses and immediately felt you were right for us.
Our case was handled by an excellent attorney, Alexa Rodriguez, from beginning to end with an exceptional bankruptcy team that dealt with other issues. Everyone we dealt with at Doan Law Firm was extremely professional, courteous, knowledgeable and efficient. We cannot speak more highly of your firm! From what I could tell, your firm runs like a well oiled machine! Excellent!!!!!
While filing BK is one of the most stressful things a person can go through, if anyone is considering filing for BK I would, without a doubt, recommend Doan Law Firm to them. The hardest part is making that initial call.
When we attended the Creditor’s Hearing, we noticed that Doan Law Firm, attended by attorney Alexa Rodriguez, was the only attorney present that had a clear understanding of all of her clients files and was familiar with them and had all of the proper documentation with her. It was unfortunate that other debtors scheduled that day were being represented by “specially appearing” attorneys that were fumbling through the hearing and did not know what they were doing or didn’t have enough information/knowledge to assist their client. After witnessing this, my husband and I were so glad we decided to have Doan Law Firm handle our bankruptcy. Again, Doan Law Firm, Alexa Rodriguez and your bankruptcy team did an EXCELLENT job and my husband and I were very happy with your representation. Thank you, thank you, thank you!!!!!”

It’s Overwhelming For Everyone

Monday, November 15th, 2010

If you find your financial situation overwhelming, you’re not alone.  I spoke with a new client last week, I’ll call her Cathy, who was literally in tears.  She was in tears over her financial situation and later shed tears of relief at finding someone she feels comfortable with and can trust.

Cathy has run a successful business for over 10 years and as the economy changed, she began to accumulate debt.   When she came to see me,  her minimum monthly credit card payment was over $3,000.  It was literally strangling her business.  She couldn’t buy inventory and the credit card overhead was sucking up every dollar she made.  Cathy told me she needs to retool her business, but the financial stress is sapping up her energy and creativity.  It’s a challenge to get out of bed each day.

I tell you about Cathy so you know you are not alone.  Financial stress is real and debilitating.  At Doan Law Firm we understand and we can guide you to a place of financial tranquility.

Small Business Client Synergy

Wednesday, October 20th, 2010

This Saturday found the dedicated employees of Doan Law Firm watching the big screen and snacking.  Which latest blockbuster had them so enthralled?  A seminar on small businesses in bankruptcy lead by the fearless William Leng, of course.  With the help of Rose’s Donuts and Rubio’s, the DLF employees from every office shared their experiences, best practices and sample cases to ensure the best possible representation for our clients with small businesses.  Much was shared and learned by all that rainy Saturday.

A Real DLF Client

Wednesday, September 22nd, 2010

This is the start of series of giving you a glimpse into the lives of real DLF clients.  These are not actors, but real people facing real life and receiving real help from DLF and the US Bankruptcy Court. *

Today I’ll introduce Judy.  She’s a single woman that’s been in the hospitality industry her entire life and she’s now in her 50s.  Judy’s been running restaurants and cafes inside hotels in Southern California for over 20 years, but she hails from South Carolina, where her aging mother still lives.  It’s been a rough couple of years for her as the economy has seen many people cutting back on their hotel stays and the attached food service.   Although she works 60+ hours in the high season, with little work available in the low season, she’s not able to weather it and has incurred debt.

Judy recently received the call we all dread.  Her mother in South Carolina is failing in mind and body.  Judy is desperately needed back home to care for her mother.  She’s more than happy to go, but a look at her finances revealed what Judy already knew, she needs to keep the hamster wheel turning to have a chance of servicing the credit card debt she’s accumulated.  Judy can’t miss more than a few days of work or the house of cards will collapse.

What Judy discovered in our consultation was that she could discharge her credit card debt in a Chapter 7 bankruptcy.  Despite her long hours at work, when we look at her income over the last 6 months, she’s below the median in the state of California and can qualify for Chapter 7 on that basis.  Her debt is solely dischargeable credit card debt so she will receive a complete fresh start that will enable her to move back to South Carolina, find a new job and care for her mother.

* Names and details have been changed to maintain attorney client confidentiality.

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    Laguna Hills Bankruptcy
    25401 Cabot Rd.
    Suite 113
    Laguna Hills, CA 92653
    Call 888-362-6529

    Santa Ana Bankruptcy
    930 West Seventeenth St.
    Suite C
    Santa Ana, CA 92706
    Call 714-795-3536

    Corona Bankruptcy
    1411 Rimpau Ave.
    Suite 108
    Corona, CA 92879
    Call 909-708-4597

    Moreno Valley Bankruptcy
    24490 Sunnymead Blvd.
    Suite 101
    Moreno Valley, CA 92553
    Call 951-579-4756

    Watsonville Bankruptcy
    444 Airport Blvd.
    Suite 109
    Watsonville, CA 95076
    Call 888-362-6529

    Oceanside Bankruptcy
    1930 S Coast Hwy
    Suite 206
    Oceanside, CA 92054
    Call 760-450-3333

    Chula Vista Bankruptcy
    333 H Street
    Suite 5000
    Chula Vista, CA 91910
    Call 619-500-6535

    Escondido Bankruptcy
    320 East 2nd Ave.
    Suite 108
    Escondido, CA 92025
    Call 760-746-4476

    La Mesa Bankruptcy
    4817 Palm Ave.
    Suite I
    La Mesa, CA 91942
    Call 619-462-362

    San Diego Bankruptcy
    185 West F St
    Suite 100
    San Diego, CA 92101
    Call 619-234-3626