Lozano law center inc.

The Law Offices of David Lozano a Certified Bankruptcy Attorney
Having the right Bankruptcy Attorney can help.
Bankruptcy Basics: Everything You Should Know About Bankruptcy
A complete Video Library dedicated to answering the toughest bankruptcy questions. “Bankruptcy Basics: Everything
You Should now About Bankruptcy.” Bankruptcy can be confusing at times and getting straight answers can be even
tougher. As a Board Certified Bankruptcy Attorney, David Lozano know’s this. Here at The Law Offices of David
Lozano we take extra care to make sure that you have the answers you need! ...
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Bankruptcy Basics: Everything You Should Know About Bankruptcy
A complete Video Library dedicated to answering the toughest bankruptcy questions. “Bankruptcy Basics: Everything
You Should now About Bankruptcy.” Bankruptcy can be confusing at times and getting straight answers can be even

tougher. As a Board Certified Bankruptcy Attorney, David Lozano know’s this. Here at The Law Offices of David
Lozano we take extra care to make sure that you have the answers you need! ...
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Are you facing foreclosure?
Are you facing foreclosure? It can be terrifying to get sued during a foreclosure. People can feel absolutely helpless
when they’ve been sued for something that they know they owe money for. We get it. Don’t just ignore the problem
and do nothing! There is something you can do! It is a mistake to ignore your mail because you’re afraid there is
nothing you can do. You...
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Eliminate Credit Card Debt
Chapter 7 Bankruptcy Can Eliminate Credit Card Debt Dealing with credit card debt is often one of the most vexing
problems facing consumers today. If you find yourself in the situation of ever-increasing debt and are unable to make
minimum monthly payments, late charges and are facing ridiculous interest rates on credit card debt, you should
consider personal bankruptcy options. Either Chapter 7 Personal Bankruptcy...
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Job Loss Help? Unemployment?
Job Loss Help Coping with Job Loss Coping with job loss is one of the most difficult things a person can face. And,
nowadays, it seems like more and more people are forced to make tough choices because of lay-offs. Losing a job
puts the same pressures on anyone. Regardless of how much you made, your savings or preparations taken, lay-offs
can be devastating. First...
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Bankruptcy and Medical Bills
Bankruptcy and Medical Bills Filing for bankruptcy due to overwhelming medical bills happens quite often. In fact,
medical bills are one on the primary reasons that people file bankruptcy. If you or a loved one have ever been
hospitalized or suffered from a long term illness, you probably are aware of the high costs of healthcare. If you don’t
have medical insurance or are underinsured,...
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Help With Past Due Taxes
Help With Past Due Taxes Taxes and Bankruptcy: The Nuts and Bolts You’re worried about not paying some money
that you owe the IRS! Well! Why shouldn’t you be worried? Back taxes owed is nothing to ignore! What’s that you
say? You don’t have the money and you can’t raise it! If you owe State, Federal, or local taxes and you are also
behind in...
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Help with Loan Modification Problems
Help with Loan Modification Problems Let me guess. You can’t get a hold of anyone from the mortgage company to
talk to… You can’t get a hold of the same person you spoke with… They lost your documents … They want you to
resend your documents… They have agreed to lower your payments for a “trial period” of three months… Three
months pass and no...
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We Can Help With Lawsuits and Judgments
We Can Help With Lawsuits and Judgments Stop ignoring lawsuits! Call for a free consultation today. Help with
Lawsuits It can be terrifying to get sued. People can feel absolutely helpless when they’ve been sued for something
that they know they owe money for. We get it. Don’t just ignore the problem and do nothing! There is something you
can do! It is a...
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Avoiding Loss of Wages to Creditors

Yes You Can Stop Loss of Wages to Creditors! If you depend on your regular salary or wages to meet crucial
ongoing expenses like mortgage payments, rent, grocery bills and more, and if you have unpaid credit card debts or
other debts that you cannot catch up with, you may be in danger of wage garnishment. At the Law Offices of David
Lozano, our experienced California bankruptcy...
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Corporate Bankruptcy Attorneys and Lawyers
Corporate bankruptcy is a legal process whereby the business entity declares that it is unable to meet its obligations,
and is seeking protection from legal action by its creditors. In the US, there are two options for businesses under the
bankruptcy act; chapter 7 and chapter 11. Any business, from a sole proprietorship to a corporation, can file under
either of these two chapters. Corporate...
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Chapter 13 Bankruptcy
Chapter 13 is a reorganization bankruptcy Chapter 13 Bankruptcy is a “reorganization” bankruptcy. Although it can be
used in a variety of different ways to solve your debt problems, it is primarily used when someone has fallen behind
with their mortgage payments and they are trying to “catch up”and become current again. For example, a
homeowner’s regular monthly mortgage payment is $2,000 a month. They...
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Chapter 7 Bankruptcy
Chapter 7 is the classic bankruptcy. When people talk about wiping out their debts, they are speaking about Chapter
7. Chapter 7 wipes out all types of consumer and business debts, such as credit card and medical debts, judgments
from lawsuits and remaining balances from repossessions and foreclosures, landlord/tenant contracts, commercial
leases and debts from all types of various financial obligations. It wipes out everything....
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Bankruptcy is All We Do
 We are a law firm comprised of Chief Bankruptcy Attorney David Lozano and five bankruptcy attorneys of counsel
with twelve support staff.
 We represent exclusively debtors in Consumer and Small Business Bankruptcies.
 We have 3 bankruptcy offices in Southern California to serve you located in West Covina, Ontario, and Lancaster.
 We practice bankruptcy law before the U.S. Bankruptcy Courts for both the Eastern and Central districts of California.
 We have helped over 20,000 families get free from the burden of debt since 1997.
 Our goal is to provide the absolutely best quality service possible to people burdened with debt.
Our Goals Are Your Goals.
 Our goal is to help you and your family get free from the burden of debt.
 Our goal is to help you lower your monthly payments enough for you to live on what you earn.
 Our goal is to help you get rid of the stress caused by too many bills.
 Our goal is to help you and your family get back on your feet.
 Our goal is to try to put the smile back on your face and the spring back into your step.
 Our goal is to help you get into a position where you can once again look with hope to the future, sleep peacefully
and not worry about bills.
If these are your goals too…
We would love to help.

Our Bankruptcy Firm

David Lozano – Board Certified Bankruptcy Attorney
Bankruptcy Attorney David Lozano

CHANTELLE C. RAMOS
Legal Administrator

NORMA L. AGUINAGA
Senior Legal Administrator

Why Choose Us?
We are a local Bankruptcy Attorney Firm
All of our staff lives right here in Southern California. We do not and will not ever send your bankruptcy case to
another bankruptcy firm. Our Bankruptcy Firm represents California residents.
American Board Of Certification
Yes we are certified by the American Board Of Certification. Not all bankruptcy attorneys are certified by the
“American Board Of Certification”. This is a huge honor, the only way you can get this honor is by knowing what you
are doing. Here at The Law Offices of David Lozano we know bankruptcy. Most importantly we can find a solution to
help you. Contact us today and get started today!
Our Bankruptcy Attorney Firm is Local
That’s right our Bankruptcy Attorney Firm is local. We have an office close to you. We offer bankruptcy related
services to most of Southern California. Please contact us at any or our local bankruptcy attorneys web pages or call
us today West Covina, CA– Ontario, CA – Palmdale, CA – Lancaster, CA – Santa Clarita, CA.
Bankruptcy is All We Do – Exclusively
We are a law firm comprised of Chief Bankruptcy Attorney David Lozano and five bankruptcy attorneys of counsel
with twelve support staff. We represent exclusively debtors in Consumer and Small Business Bankruptcies. We
have 4 bankruptcy offices in Southern California to serve you located in West Covina, CA – Ontario, CA – Palmdale,
CA – Lancaster, CA and our newest Santa Clarita, CA office.
Our Certifications – Certified California Bankruptcy Attorney

West Covina attorney talks about how credit card debt is handled
after death

As long as the deceased is the sole person responsible for the
credit card, the credit card debt falls on the estate to be paid through assets after going
through probate. The remainder of the assets are then distributed according to the deceased’s will
or state law if no will was written.
If there is a co-signer on the credit card, however, responsibility for the debt falls to the co-signer–
in addition to or in place of the estate. Fortunately, a second cardholder who is not a co-signer
and merely an authorized user is not liable for the credit card debt. But due to community property
laws, a spouse may still be held responsible for debt even if they are not a co-signer on the
credit card.
Another thing to keep in mind is that not all assets go through probate. As CreditCard.com puts
it…
Some items, such as IRAs, 401(k)s, brokerage accounts, and insurance, typically pass
to whomever you’ve named as a beneficiary, which is one good reason to keep those
designations up to date. In many cases, those assets aren’t considered part of the
estate.
Since these assets don’t go through probate, the executor can’t use them to pay estate
bills.
The loss of a loved one is hard enough without having to worry about debt. Make sure your loved
ones finances and will are in order. Contact me or visit our West Covina office for a free
consultation! David Lozano is dedicated to making things as easy as possible for you and your
loved ones!
David Lozano, Attorney at Law
Contact me today for a free consultation
800-974-5680/Se habla español
Photo credit
Posted in Credit Card Debt, West Covina Bankruptcy Attorney | Tagged credit card debt, west covina
california bankruptcy lawyer
What should you do if your small business starts to accumulate
debt? (West Covina attorney David Lozano offers professional
advice to small business owners!)
I talked a little bit about small business bankruptcy in a previous blog–Bankruptcy for the small
business owner. Today I want to stress the importance of seeking professional guidance as
soon as financial difficulties arise. Small businesses often struggle to compete with corporate
businesses or other small businesses in the same region. When your business starts to show signs
of falling behind, contacting a professional adviser may stave off future debt and bankruptcy.

A business runs on the incoming revenue from its clients
and customers. If several clients happen to be slow on making payments within the same time
frame, it can be devastating, especially for a small business. Also with the high prices of many
commodities and supplies that businesses use, the struggle to make a profit can be daunting
from quarter to quarter!
At the first sign of trouble, it is a good idea to seek professional advice about how to
proceed. And if your business is going through a period of slow sales and is struggling with
debt, Chapter 11 business bankruptcy may be the solution! Restructuring the business’s financial
affairs and payment schedule can give you just the break you need to catch your breath and get
your business back on track! Contact me or visit our West Covina location for a free consultation.
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Posted in Business Bankruptcy, Corporate Bankruptcy, Los Angeles Bankruptcy Law Firms, West Covina
Bankruptcy Attorney| Tagged California Bankruptcy Law, Small Business Bankruptcy
Southern California bankruptcy attorney relates the story of the
character played by Ben Affleck in the film, The Company Men, to
average men and women facing the loss of a job
Ben Affleck, a native of our own California, recently starred in The
Company Men, alongside Tommy Lee Jones, Chris Cooper, and Kevin Costner. The film tells the
stories of three men named Bobby Walker (Ben Affleck), Gene McClary (Tommy Lee Jones), and
Phil Woodward (Chris Cooper) who are businessmen at the GTX Corporation but lose their jobs due
to corporate downsizing. The drama is meant to reflect the economical state the US was going
through in the late 2000s.
In the film, Bobby Walker discovers the hardships of losing his six-figure job. Walker’s golf club
membership is canceled, and he is forced to sell his house–located in the beautiful suburbs–
and his new Porsche. Unable to find work anywhere else, Walker reluctantly turns to the house
building job his brother-in-law, Jack (Kevin Costner), offers him. The film accurately portrays the
struggle that many Americans go through when they find themselves unexpectedly
unemployed.
Walker, fortunately, was able to get back on his feet in the end thanks to help from his family. For
people who cannot catch a break as Walker did, bankruptcy attorney David Lozano offers his
services! The Law Offices of David Lozano can help you cope with the loss of a job and prevent

foreclosure! Had Walker gone to a bankruptcy lawyer, he may have been able to keep his
home and Porsche!Contact me or visit one of our Lancaster, West Covina, or Ontario locations for
a free consultation!
Photo credit
Posted in Home Foreclosures, Lancaster Bankruptcy Attorney, Los Angeles Bankruptcy, Los Angeles
Bankruptcy Attorney, Los Angeles Bankruptcy Law Firms, Ontario Bankruptcy
Attorney, Uncategorized, West Covina Bankruptcy Attorney| Tagged Ben Affleck, Chris Cooper, home
forclosure, Kevin Costner, lancaster california bankruptcy lawyer, Los Angeles Bankruptcy
Attorney, ontario california bankruptcy lawyer, The Company Men, Tommy Lee Jones, west covina
california bankruptcy lawyer
Lancaster, California, attorney explains how utility shut off is
affected by filing bankruptcy!
Many times when people are faced with impending debt, they start looking for shortcuts to save
money–using coupons and sales to buy groceries and other necessities, making sure to turn off
all lights and appliances when they are not being used, or letting a few bills slide in hopes of
catching up on the payments later. The first two are great ways of saving money! The last one can
often land you in deeper trouble than you were in before!
When you have fallen noticeably behind on your utility bills,
utility companies will shut off your utility. Fortunately, there are some requirements that utility
services must follow before shutting off your utilities. The power cannot be shut off on days when
the utility office is closed, which includes holidays! If there are members of the household
whose health is dependent on a power supply, a utility representative must visit the house before
the utilities are disconnected. Utilities services must also notify recipients before the utilities can
be shut off.
I also have good news, courtesy of SignOn San Diego!
In reaction to stories from around the state that people were being cut off because the
bad economy had made it difficult for them to pay their bills, the California Public
Utilities Commission told utilities they had to take steps to prevent needless cutoffs.
In particular, the commission said power companies, including San Diego Gas &
Electric, must give people at least three months, and up to a year, to get their bills up to
date.
But what about people who have already had their utilities shut off and are seeking debt relief? More
good news! “The bankruptcy laws require the utility company to restore the service of any utility that
was terminated prior to the filing. A bankruptcy filing prevents the utility company from terminating an
individual’s service.”
That’s right, Chapter 7 bankruptcy and Chapter 13 bankruptcy provide debt relief and can restore
your utilities! You simply need to pay a security deposit within 20 days of filing to ensure your

utilities stay on. Contact me or visit our Lancaster officefor a free consultation! Bankruptcy
attorney David Lozano is dedicated to keeping you debt free and powered up!
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Posted in California Bankruptcy Law, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Debt
Relief, Lancaster Bankruptcy Attorney, Personal Bankruptcy| Tagged California, California Bankruptcy
Law, Chapter 13 bankruptcy, Chapter 7 Bankruptcy, Debt Relief, lancaster california bankruptcy
lawyer, personal bankruptcy
The lesser known downside of foreclosure (Ontario attorney
David Lozano is looking out for you and your neighbors!)
As a bankruptcy attorney I advocate preventing foreclosure to individuals who would like to keep
their home despite the financial trouble they are going through, as I expressed in a few of my
previous blogs–Do you have questions about foreclosure and how to prevent it?, Do you want to
avoid foreclosure in Southern California?, and Want to keep your home, car, and personal
possessions despite your debt? Apart from losing your home and having to find a new place to
live, foreclosure has another downside.
Boarded-up windows and a yard that has fallen into disrepair doesn’t
make for a pretty sight on a tour of the neighborhood. Oftentimes the property value of the houses
surrounding the foreclosed house suffer due to the state of the neglected house. That’s not all
though! Foreclosed houses might not draw people in the market for a house, but they do draw
some attention–from criminals! According to Foreclosure Link To Abandoned Houses And
Crime, California ranks second in the national foreclosure rate at a ratio of 1:88.
No one wants to see crime in their neighborhood! In order to avoid an increase in crime and
prevent foreclosure, contact me or visit our Ontario officefor a free consultation! Together we can
find a way for you to keep your house and get a fresh start!
Photo credit
Posted in Home Foreclosures, Ontario Bankruptcy Attorney | Tagged ontario california bankruptcy
lawyer, prevent foreclosure
Wondering what to do about the home when going through
divorce and bankruptcy? (Los Angeles attorney David Lozano
offers his help to divorced couples!)

Not too long ago I wrote about how divorce is one of the three leading causes of bankruptcy–
along with medical bills and the loss of a job–in Wondering what you should do when dealing
with divorce as well as bankruptcy? (Los Angeles attorney David Lozano offers his advice!) And
earlier in the year I wrote a blog entitled, Does filing bankruptcy lead to divorce? Today I’d like to
discuss situations that may arise when going through divorce and bankruptcy.
Married couples who are considering or have already
gotten a divorce sometimes find themselves in a fix when it comes to what to do about the
home. Oftentimes neither spouse can afford to keep the house or apartment on their own. In cases
like this, couples may end up living together out of necessity, staying at opposite corners of the
house or on separate floors as much as possible. Couples will even try to avoid filing bankruptcy
by putting their home up for sale, hoping to make enough money to pay off the mortgage, so
that they can buy new homes. Many times the couple is forced to dramatically lower the price of
the home to avoid foreclosure, even settling for a price far below the retail value.
In a situation like this, I urge couples to contact me or visit one of our Lancaster, Ontario, or West
Covina office locations for a free consultation! With the help of a bankruptcy attorney, the couple
may have better luck getting the house sold at a fair price or keeping the house, if they so
desire!
Photo credit
Posted in Home Foreclosures, Lancaster Bankruptcy Attorney, Los Angeles Bankruptcy, Los Angeles
Bankruptcy Attorney, Los Angeles Bankruptcy Law Firms, Ontario Bankruptcy Attorney, Personal
Bankruptcy, West Covina Bankruptcy Attorney| Tagged Bankruptcy and Divorce, lancaster california
bankruptcy lawyer, personal bankruptcy, prevent foreclosure, west covina california bankruptcy lawyer
Wondering what a creditors meeting is? (Lancaster attorney
David Lozano is here to answer all your bankruptcy questions!)
Filing bankruptcy is just the first step in the bankruptcy process. There is also a 341 meeting–or
creditors meeting, which usually takes place 20 to 40 days after you file Chapter 7 or Chapter
13 bankruptcy. At this meeting, you and your attorney discuss your financial situation with the
bankruptcy trustee assigned to your case. You are asked questions under oath about your
income, assets, and debt to verify the legitimacy of your bankruptcy claim.
A 341 meeting must be held to give creditors a chance to dispute your bankruptcy claim. While you,
the client, are required to be at this meeting, attendance is optional for creditors. At the meeting,
creditors may request that a specific debt not be discharged if they feel you have the funds to pay
the debt. In the majority of cases, however, creditors choose not to attend.
I like to assure my clients that a 341 meeting is just part of the standard procedure when filing
bankruptcy. The purpose of the meeting is simply to get you, your attorney, trustee, and

creditors on the same page. It is not an inquisition and as your bankruptcy attorney, I will be there
to assist you in answering questions and guiding the proceedings when necessary. Contact me for a
free consultation or stop in at our Lancaster office. It is my goal to make your bankruptcy
experience as stress-free as possible!
Posted in Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Lancaster Bankruptcy Attorney, Personal
Bankruptcy
A happy case of life after bankruptcy! (Los Angeles attorney
David Lozano shares the story!)
A while back there was an article in a Sapurstein &
Associates newsletter about a tax ruling concerning the tax deduction for a mortgage that centered
around a couple and their son. After filing for bankruptcy some months prior, the couple was
looking to take out a mortgage but didn’t qualify due to their credit. Since the couple was still
rebuilding their credit score, their son took out the mortgage using his credit score.
Everything went smoothly, but when tax time rolled around the question became who should
receive the tax deduction for the mortgage? Although the mortgage was under the son’s name,
his parents were the ones actually living in the house, making the mortgage payments, and
maintaining the house. The tax court finally ruled that the parents were the equitable owners and
gave them the tax deduction.
I am always happy to see things work out for people who have gone through bankruptcy. It is stories
like this one that reinforce what I tell my clients everyday–bankruptcy is a new
beginning! Although there may be a few stumbling blocks along the way, small setback can be
overcome! Contact me for a free consultation and get started on your own new beginning!
Photo credit
Posted in Los Angeles Bankruptcy, Los Angeles Bankruptcy Attorney, Los Angeles Bankruptcy Law
Firms, Personal Bankruptcy
Will everyone know when you file bankruptcy? (Ontario attorney
David Lozano wishes to put your mind at ease!)
A big concern I hear from my clients when they come in for a free consultation is who will know that
they have filed bankruptcy. Truthfully, there are only a limited number of people who may be
notified when you file bankruptcy.
Creditors will be made aware of the fact that you have filed bankruptcy. This is a standard
procedure that gives creditors the opportunity to dispute the claim. Employers may also be notified

depending on the circumstances of your bankruptcy case. Members of your household, for
instance a spouse, will be notified even if their finances are separate from yours. Public records are
kept by the Federal Court that require specific information about the bankruptcy case in order to gain
access to the records.
Less people than you think will be notified when you file bankruptcy. This means that unless you
share the information with your friends or other family members, they will be none the wiser! Drop
by our Ontario location for a free consultation!
Posted in bankruptcy myths, Ontario Bankruptcy Attorney | Tagged Bankruptcy Myths, filing
bankruptcy, ontario california bankruptcy lawyer, personal bankruptcy
Wondering what you should do when dealing with divorce as well
as bankruptcy? (Los Angeles attorney David Lozano offers his
advice!)
Along with the loss of a job and medical bills, divorce is one of the most common contributing
factors that lead to bankruptcy. Divorce settlements don’t always leave one or both parties with
enough to sustain themselves. Many times people are left without a house or car and are
sometimes required to pay for child support or alimony.
When it comes to filing bankruptcy due to divorce, there are a few tips you should keep in
mind. Only existing debt that has been incurred prior to filing is affected by the bankruptcy
claim. So if the divorce hasn’t been finalized, you will be held responsible for all expenses that come
up after filing bankruptcy. Another fact to be aware of is that some payments will not be
eliminated by filing bankruptcy, such as child support or alimony. On the flip side, if you are
receiving child support or alimony, that money is typically exempt from the bankruptcy process!
Bankruptcy is difficult enough without having to worry about divorce litigations on top of that. Should
this happen, however, you can rest assured that David Lozano will get you through the
bankruptcy process as smoothly as possible! Contact mefor a free consultation!
Posted in Credit Card Debt, Lancaster Bankruptcy Attorney, Los Angeles Bankruptcy, Los Angeles
Bankruptcy Attorney, Ontario Bankruptcy Attorney, Personal Bankruptcy, West Covina Bankruptcy
Attorney| Tagged Bankruptcy and Divorce
Contact information
West Covina, CA Office
The Law Offices Of
David Lozano
1900 West Garvey Avenue South Suite 240
West Covina, CA 91790
 Telephone:1-626-802-5680
 FAX: 1-626-209-0221
 E-mail: Contact Us

 Google+: Google Plus Page
Ontario, CA Office
The Law Offices Of
David Lozano
3535 Inland Empire Blvd. Suite 46
Ontario, CA 91764
 Telephone:1-909-786-1806
 FAX:1-626-209-0221
Lancaster, CA Office
The Law Offices Of
David Lozano
963 West Avenue J
Lancaster, CA 93534
 Telephone:1-661-528-4004
 FAX:1-626-209-0221

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