Practice Areas
Overview
At United Legal Advocates, we are steadfast in our mission to empower individuals, families, and small businesses to overcome financial challenges with confidence and clarity. Our experienced attorneys combine deep legal expertise with a compassionate, client-centered approach to deliver tailored solutions that provide immediate relief and pave the way for long-term financial stability. Whether you’re facing overwhelming debt, aggressive creditors, or the threat of losing your home or assets, our core practice areas are designed to protect your interests, restore your peace of mind, and help you reclaim control of your financial future.
Chapter 7 Bankruptcy:
Eliminate Debt and Embrace a Fresh Start
Chapter 7 bankruptcy, often referred to as "liquidation bankruptcy," is a powerful tool for individuals and businesses seeking to eliminate unsecured debts, such as credit card balances, medical bills, personal loans, and certain tax obligations. At United Legal Advocates, we guide clients through every step of the Chapter 7 process, from evaluating eligibility to completing the necessary filings and representing you in court.
Our team conducts a thorough assessment of your financial situation, including income, assets, and debts, to determine if Chapter 7 is the right path for you. We prioritize transparency, ensuring you understand the implications of bankruptcy, including which assets may be exempt from liquidation under state or federal laws. By handling the complexities of bankruptcy law, we streamline the process, minimize stress, and help you achieve a fresh financial start. Our goal is to empower you to move forward with confidence, free from the burden of unmanageable debt.
Chapter 13 Bankruptcy:
Reorganize Debt and Protect Your Assets
For clients who wish to retain valuable assets, such as a home or vehicle, while addressing their debts, Chapter 13 bankruptcy offers a structured and flexible solution. Often called the "wage earner’s plan," Chapter 13 allows individuals with regular income to create a court-approved repayment plan, typically spanning three to five years, to pay down debts in a manageable way.
At United Legal Advocates, we work closely with you to craft a personalized repayment plan that aligns with your income, expenses, and financial goals. This plan consolidates your debts into affordable monthly payments, often reducing the total amount owed by prioritizing secured debts and negotiating with creditors. By filing for Chapter 13, you can halt foreclosure proceedings, prevent vehicle repossession, and protect co-signers from creditor actions. Our attorneys provide comprehensive support, from plan development to court representation, ensuring your assets are safeguarded while you work toward financial recovery.
Foreclosure and Repossession Defense:
Safeguard Your Home and Assets
The threat of foreclosure or repossession can be emotionally and financially devastating, putting your home, vehicle, or other critical assets at risk. At United Legal Advocates, we provide aggressive and strategic defense to help you keep your property and secure your financial future. Our attorneys leverage a range of legal strategies, including bankruptcy filings, loan modifications, and negotiations with lenders, to halt foreclosure or repossession proceedings and explore viable alternatives.
We understand the urgency of these situations and act swiftly to protect your rights. For homeowners, we may pursue options such as restructuring mortgage payments, challenging improper foreclosure practices, or securing temporary injunctions. For clients facing vehicle repossession, we work to negotiate repayment terms or incorporate debts into a bankruptcy plan. Our proactive approach ensures you have the strongest possible defense, giving you the opportunity to retain your property and regain stability.
Creditor Harassment Protection
Restore Peace and Assert Your Rights
Relentless calls, threatening letters, and aggressive collection tactics from creditors can create significant stress and disrupt your daily life. At United Legal Advocates, we are committed to stopping creditor harassment and ensuring collectors comply with the Fair Debt Collection Practices Act (FDCPA) and other consumer protection laws.
Our team takes immediate action to shield you from unlawful collection practices, such as excessive contact, harassment, or attempts to collect debts you don’t owe. By invoking protections under bankruptcy law or directly communicating with creditors on your behalf, we put an end to intrusive tactics and restore your peace of mind. We also educate you about your rights as a consumer, empowering you to recognize and report violations. With our support, you can focus on your financial recovery without the constant pressure of creditor intimidation.
Credit Rebuilding Support
Build a Stronger Financial Future
Resolving immediate financial challenges is only the first step toward lasting financial wellness. At United Legal Advocates, we go beyond short-term relief by equipping you with the tools and strategies needed to rebuild your credit and achieve long-term success. Our credit rebuilding support services are designed to help you regain financial independence and make informed decisions about your future.
We provide personalized guidance on improving your credit score, including tips on budgeting, managing new credit accounts, and disputing inaccuracies on your credit report. Our attorneys and financial advisors work with you to develop a customized plan that aligns with your goals, whether it’s securing a mortgage, qualifying for a loan, or simply achieving greater financial confidence. We also connect you with trusted resources and educational materials to support your journey. With our comprehensive approach, you’ll be empowered to build a brighter, more secure financial future.
Why Choose United Legal Advocates?
At United Legal Advocates, we believe that financial challenges should not define your future. Our team is dedicated to providing exceptional legal representation, combining technical expertise with genuine care for our clients’ well-being. We take the time to understand your unique circumstances, tailoring our services to meet your specific needs and goals.
From your initial consultation to the resolution of your case, we stand by your side, offering clear communication, compassionate support, and unwavering advocacy. Our attorneys stay abreast of the latest developments in bankruptcy and consumer protection law, ensuring you receive cutting-edge solutions that deliver results. Whether you’re seeking debt relief, asset protection, or a path to financial recovery, United Legal Advocates is your trusted partner in navigating life’s financial challenges.
Let us help you take the first step toward a brighter financial future. Contact United Legal Advocates today to schedule a consultation and discover how our expertise can make a difference in your life.
CONTACT US
Address
19200 Von Karman Ave., Suite 600
Irvine, CA 92612
Email
Phone
949-234-8212
