Northridge bankruptcy lawyer to protect you from creditors

Stop lawsuits

When you file bankruptcy with an experienced Northridge bankruptcy attorney, you can no longer be sued for old debts. Lawsuits stop immediately.

Stop wage garnishment

If you’ve already been sued for a credit card debt, the judgment can turn into a wage garnishment. They’re allowed to take 25% of your net pay for your debt. File bankruptcy and protect your paycheck.

Stop Foreclosure

Late on house payments? If you file bankruptcy, you can stop the foreclosure sale, save your home, and force the lender to accept the repayment over years.

Stop creditor harassment

Collection calls can ruin a perfectly good day. They go out of their way to make you feel miserable. If you file bankruptcy, the creditor calls stop, and you get peace. Finally.

Stop car repossession

You fell late on car payments. Now, they’re threatening to repo your car.  While you don’t get a free car in bankruptcy, filing bankruptcy stops the repo so you can catch up quickly.

Start rebuilding your credit, and your life.

There is credit after bankruptcy. Sure, a bankruptcy is bad on your Experian. But, when you file bankruptcy, you get a chance to start new. A chance to show that you can repay on time. This helps your score go up so you can rebuild after bankruptcy discharge.

Phone now for the first step on your fresh start.

Award-Winning Quality

Why risk a cut-rate coupon counsel when you can afford a Northridge bankruptcy lawyer who has been voted best bankruptcy attorney multiple times. This is because we're active in the bankruptcy law community, leading organizations of attorneys. We don't just attend bankruptcy classes, but present them to other bankruptcy attorneys


We have an affordable payment plan. You decide how much to pay each month, and how often to pay. We do it this way because you know what you need your money for. Why let other firms auto-deduct money from you? With us, you're in control.

Personalized Attention

Trust your once-in-a-lifetime Acton bankruptcy to an attorney who treats you like you're my only client. You don't need to be treated like a number and get lost in massive volume where they do tons of cases for 79 cents. I personally handle all aspects of all my cases. Lawyers are known to be impersonal. With us, find out what customer service feels like.

Northridge bankruptcy lawyer Hale Andrew Antico


Debts discharged


Satisfied clients


Years of bankruptcy experience


Best bankruptcy attorney awards

Thank you for your hand holding and advice. You are really good at what you do and I am truly grateful I had you to represent me.... I know you worked very hard and you helped make this whole process so much easier for me (and your other clients too).

`{`At the 341(a) court date,`}` you were very attentive to all of us. I could tell the difference between your clients and some of the others there. You did a great job and I am very grateful! Thank you for sticking around as long as you did today. You really took good care of me.... I knew I was in good hands with you on my side.

I will highly recommend you should I come across a friend or colleague in a similar situation as mine.


Contact Us

When you contact us, we’ll arrange a consultation and go over your options. After that, you think it over with no pressure. Finally, if and when you decide this is the best option, I’ll begin work on your bankruptcy petition. I’ll personally review the completed schedules with you, and file them with the court. And yes, I’ll personally be at your 341(a) Meeting of Creditors with you, and answer all your questions.

    Different Types of Bankruptcies

    There are two primary types of consumer bankruptcies. First, there’s chapter 7 bankruptcy. Also, there’s chapter 13. They have different pros and cons, and you’re going to want to talk to an experienced Northridge bankruptcy attorney before deciding which is right for you.

    Chapters of Consumer Bankruptcy

    Often known as liquidation bankruptcy, a Chapter 7 is the type of bankruptcy where a bankruptcy trustee can take your assets to repay debts. Because you don’t repay your debts, it is faster. However, they give much greater scrutiny to the money you repaid grandma last month, and all those Zelle transfers you made over the past few years. Even though you may not have intended anything bad, fraudulent transfers are problems. Typically, Chapter 7 bankruptcy does not discharge tax debt, fraud, domestic support obligations, and student loan debt.

    Chapter 13 is debt consolidation where you are protected from lawsuits. This happens while you make affordable payments to repay your debts. Also, the credit cards can’t keep charging interest. There’s a set ending point. Consequently, you can get off the hamster wheel and just be finished. Finally, this option is helpful for making repayments on late mortgage debts, catching up on income tax debt to the IRS or FTB, and has extended automatic stay protections to codebtors, such as a nonfiling spouse.

    So there are key differences between Chapter 7 and Chapter 13 bankruptcy. You may think you want the cheap fast one. A couple warnings. First, the Chapter 7 bankruptcy has greater scrutiny by the United States Trustee and bankruptcy trustee. Second, you can lose things in Chapter 7, which is why exemptions and California homestead exemption are key.

    Third, you don’t always get to choose. Chapter 7 bankruptcy eligibility is a factor. This involves the bankruptcy means test, which compares your current monthly income against the median income for your household size. Let a professional bankruptcy attorney be your guide in a no-pressure consultation.

    Reach out to Us

      Note: while the only office is in Palmdale CA in Los Angeles County, you'll never need to drive anywhere. All business is conveniently done with Zoom and email attachments. We're proud to serve all of Los Angeles County and Orange County for about 20 years now. I'll be honored to help you also.

      Northridge CA bankruptcy lawyers and how to find one

      If you’re trying to find the a Northridge CA bankruptcy lawyer, you’re at the right place. There are a couple of bankruptcy attorneys in Northridge CA, but choosing the best is tough.

      Northridge CA 91324 and 91325 is a neighborhood of Los Angeles in the San Fernando Valley. It’s home to Cal State Northridge (CSUN) and the famous Northridge Mall. It has a population of just over 50,000 people, and a median annual household income just over $67,000, which is very close to the California state median income. So with all this affluence and comfort, how do you find a bankruptcy attorney?

      Consequently, many people in Northridge CA struggle with debt. This is not merely because they’re close to the Northridge Mall (technically, the Northridge Fashion Center). People  need a Northridge CA bankruptcy lawyer that specializes in Chapter 7 bankruptcy cases and understands the different types of bankruptcies,and that their hometown. Northridge CA 91324 and 91325 is about 30 miles from downtown L.A.

      northridge bankruptcy
      Northridge Mall, which may or may not need a bankruptcy if people only buy remotely after COVID

      The Northridge to Los Angeles Connection

      Ironically, the San Fernando Valley town was named North Los Angeles in 1929 to show how close it was to Los Angeles. This caused confusion, especially with North Hollywood in the picture. So in 1938, it changed its name to Northridge California.

      Today, residents there don’t really consider themselves part of L.A. but more of part of “The Valley.” Northridge CA bankruptcy cases don’t get filed downtown as their venue, but instead stay in the Valley division.

      Northridge CA Growth

      There are a few local bankruptcy lawyers. Some do Chapter 7 cases, and even fewer will file Chapter 13 cases. Northridge CA 91324 & 91325 has median home values of about $525,000. Not all bankruptcy lawyers are familiar with the means test. The distribution of renters to homeowners is almost exactly 50-50. The community was originally named Zelzah. Longtime residents will remember, before the 118, when Rinaldi took a steep dip down and again back up near Zelzah. This has since been leveled off. With this growth, people now drive much faster on Rinaldi.

      Further, Rinaldi used to be really a good workaround to avoid Devonshire Blvd. Devonshire can get quite congested, for anyone trying to go east-west across the Valley. The 118 (no one calls it CA Highway 118) was completed in 1979. Prior to that, anyone traveling east had to exit at De Soto where the 118 went straight into a hill.

      Cal State Northridge

      California State University at Northridge CA is known for its landmark sign on Nordhoff Street that shows the school’s abbreviation from two different directions and is a design marvel. Many CSUN students can’t work and study, and upon graduation may need a bankruptcy lawyer.

      State College to Uni to D-1

      There’s also a major university in Northridge CA. It wasn’t always major, it once started off as San Fernando Valley State College. Now it’s all grown up. Sometimes called “Cal State Northridge”, the locals just call it CSUN or “see-sun.” Before the Matadors moved up to Division I in 1990, the university won 34 Division II national titles, third most of all time. Many of the students in attendance will have too much credit card debt and need a San Fernando Valley bankruptcy lawyer.

      CSUN is one of only 45 schools in the country that have a beach volleyball program. More importantly, CSUN has achieved consistent rankings in the top 200 out of 2,000 colleges nationwide, and its engineering program is 5th out of all California colleges. In fact, one Matador went on to graduate school from CSUN, and then became a bankruptcy attorney and then wrote this website to help people. I’m hoping you’ll consider contacting me for a consultation.

      A Northridge CA bankruptcy Lawyer

      Bankruptcy attorney Hale Antico is a bankruptcy attorney who, for 20 years, has helped thousands of people get a fresh start. I do both Chapter 7 bankruptcy and Chapter 13 bankruptcy cases. I combine top-notch expertise with high customer service. Honest and affordable, I’ll navigate you through this unfamiliar territory. Because this isn’t your fault, but you can choose the best way to get out of it. Let me help you.

      Disaster strikes

      In 1994, the Northridge earthquake rattled windows and nerves at 4:31 am. This caused massive damage not only in Northridge CA, but all across the valley and surrounding areas. It was months before some freeways were repaired and retrofitted. Houses were “red-tagged.” Walls were tumbled and pools cracked. Many people filed Chapter 7 and Chapter 13 bankruptcy.

      In your life, if disaster strikes, don’t blame yourself. Sometimes life happens, just like earthquakes happen. San Fernando Valley bankruptcy attorney Hale Antico has filed many Northridge CA bankruptcy cases. He personally attends most of the hearing dates himself, and has been there for hundreds of people.

      Let me help you.

      Contact me now for your Northridge CA Bankruptcy