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Our Attorneys are Accessible to Clients At the Law Offices of David V. Luu, we believe that a law firm should provide clients access to their attorney from start to finish. We offer the personal attention of an attorney to our clients, never an assistant, paralegal or secretary. We offer direct communication with an attorney to provide clients updates on the status of litigation, thereby focusing our efforts to achieving results for individuals and businesses throughout Santa Ana, California, and the neighboring Orange County cities. We recognize that clients are often unfamiliar with the law and will need an attorney to guide them through the legal arena, whether in the Santa Ana Bankruptcy Court or Orange County Superior Court. For this reason, it is our philosophy to timely respond to clients' inquiries, and to periodically evaluate our strategy in accordance with each client's specific legal and financial objectives.

Monday, December 6, 2010

How might this Orange County Bankruptcy Attorney help you?


Bankruptcy can help the majority of people INCREASE their credit score substantially and in a relatively short period of time (2 to 4 years). Hiring an

Orange County bankruptcy attorney is often the shining light at the end of the tunnel, not the death knell as many people, big banks, and other creditors

have stigmatized it. If getting rid of a mountain of debt and stopping lawsuits, garnishments and harassing phone calls is the result that you want,

then the services of a good Orange County bankruptcy attorney may be the solution to your problem.



Most people are concerned that they will "lose everything" if they file a bankruptcy. The truth is, with the generous property exemption laws

in California, almost 98% of bankruptcy debtors keep everything. Of course, everyone will have different property combinations and you really need

a Orange County bankruptcy attorney like Mr. Luu, to advise on whether an item is exempt.



How might this Orange County Bankruptcy Attorney help you?

For example, if you are an ordinary California renter, owning basic household goods and possessions,

jewelry worth $3,000, a car with $5,000 in equity, a 401k worth $50,000, and $10,000 of good old cash in the bank

– ALL OF THOSE ITEMS WOULD BE EXEMPT. The important thing is to consult with an Orange County bankruptcy attorney to:



1.Minimize the amount you have to pay to creditors.

2.Maximize the property you get to keep.




There is much false information floating around about bankruptcy. If you live in the Orange County or Southern California area

and want to understand your bankruptcy options, then call David V. Luu, a Orange County bankruptcy attorney at 714-697-8600.

The initial consultation for prospective bankruptcy clients is always FREE. Click here to learn More About Bankruptcy. -->http://www.luu-law.com

How to choose bankruptcy attorney?

Before you choose an attorney or firm to represent you in your bankruptcy, here is a list of questions that you might want to ask them:

1.Will the attorney provide me his personal cell phone number for any questions I might have?
Yes, the Law Offices of David Luu will provide you the personal phone number for your attorney for any questions you might have.

2.Will my attorney personally process my case, or will it be a paralegal/legal assistant/or case processor?
Yes, your case at the Law Offices of David V. Luu will be processed personally by an attorney, not by a paralegal, legal assistant, or case processor.

3.After I pay my attorney fees, will there be other costs for my bankruptcy such as fees for amendments, continued hearings, or document delays that are hidden?
No, at the Law Offices of David V. Luu all fees and costs will be disclosed upfront and there are no hidden fees for amendments, continued hearings, or document delays.

4.At the initial consultation, am I meeting with the actual attorney that will represent me in court or is the law firm going to send another attorney who knows nothing about me or my case to represent me?
Yes, at the Law Offices of David V. Luu you will personally meet with your attorney at the initial consulation who will represent you in court. The Law Offices of David V. Luu will not send another attorney who knows nothing about you or your case to represent you.

5.If I have a question regarding my case, how long will it take for my attorney to provide a response?
If you have a question regarding your case, the Law Offices of David V. Luu will respond to your inquiry within 24-hours.

6.Will my case be transferred from person to person?
No, your case will be handled from start to end by the Law Offices of David V. Luu.

7.Will the law firm or attorney provide me a free consultation?
Yes, the Law Offices of David V. Luu provides a free consultation to all prospective clients.

8.Does the attorney quote reasonable fees and offer flexible plans for payment of legal fees and costs?
Yes, the Law Offices of David V. Luu quotes reasonable fees and offers flexible plans for payment of legal fees and costs.

9.Is the person I am meeting with for my initial consultation an actual licensed attorney?
Yes, the person you are meeting at the Law Offices of David V. Luu for your initial consultation is an actual licensed attorney.

10.Does the attorney I am meeting at the initial consultation have at least five (5) years experience handling bankruptcies through all of its stages from start to finish?
Yes, at the Law Offices of David V. Luu the attorney you are meeting with at the initial consultation will have more than five years experience handling bankruptcies through all of its stages from start to finish.

We offer relief to those overwhelmed by debt and losing ground. Begin the rebuilding process, take back control, and reclaim your life.
Call the Law Offices of David V. Luu at (714) 697-8600 to schedule your free, no cost, initial consultation. Let us help you find new financial
freedom on whether you qualify to file, and if Chapter 7 or Chapter 13 is a good fit for you so you can enjoy a “fresh start.”


Law Offices of David V. Luu
930 W. 17th Street
Suite B
Santa Ana, CA 92706
T: (714) 697-8600
F: (714) 835-5898
www.luu-law.com

Thursday, October 21, 2010

Keeping Your Home through the Chapter 13 Interest-Free Repayment Plan

Chapter 13 was designed to stop foreclosure, repossession, wage garnishments, lawsuits, and creditor harassment.

Chapter 13 bankruptcy works with the courts to consolidate, prioritize, repay; and, in some cases, reduce or eliminate old debts and junior mortgage liens.

This type of bankruptcy allows you to make one lower, interest-free monthly payment to a trustee. In turn, the trustee prioritizes your debts and deals directly with your creditors.


Unlike Chapter 7 bankruptcy, which specifies people who are qualified to file, most are allowed to file bankruptcy under Chapter 13. Allow us to answer your questions and discuss the ways we can help you get back on the road to financial freedom. Call the Law Offices of David V. Luu to schedule your free bankruptcy case consultation.

Is a Chapter 13 Bankruptcy Right for Me?

· Are you behind on paying your bills and are looking for extra time to
repay them?

· Are you facing a foreclosure and want to keep your home?

· Are you facing car repossession and want to keep your cars?

· Do you have debt that is the result of a temporary financial setback,
like a job loss, injury or illness?

· Do you have regular income so you can make the lower, interest-free
monthly payment required under Chapter 13?

If you answered yes to any of these questions, it is time to consider whether filing a Chapter 13 bankruptcy is right for you.

Chapter 7 Bankruptcy Was Designed to Wipe Out Certain Types of Debt

For people overwhelmed by debt who are losing financial stability, a Chapter 7 bankruptcy offers relief to recover balance. Chapter 7 bankruptcy was designed to discharge, or wipe out, unsecured debt, including:

· Credit Cards
· Medical Bills
· Payday Loans
· Some Personal Loans
· Utility Bills

Learn how a Chapter 7 bankruptcy can help you begin the rebuilding process, take back control, and reclaim your life. Call our office to schedule your free bankruptcy case consultation.

Filing Bankruptcy Under Chapter 7

Filing Chapter 7 bankruptcy will generally include the protections of the Automatic Stay and Chapter 7 exemptions, which can help you protect your home, car, wages and other important belongings from creditors, and may prevent foreclosure.


Often, a Chapter 7 bankruptcy will most benefit people who:
· Owe on medical bills and credit card debt.
Bankruptcy is designed to completely wipe out unsecured debts like credit
card and medical bills. Typically, it works quickly, meaning you don't
have to wait years to wipe the slate clean.

· Do not own much property.
Chapter 7 property protections will vary according to state and/or federal
exemption laws. However, generally speaking, a Chapter 7 offers less
protection for your property than Chapter 13 bankruptcy. But, Chapter 7
exemptions may allow you to keep your home, car, and other valuable
possessions such as tools of your trade, furniture, clothes, appliances,
photos and books.

· Do not have much income.
To qualify for Chapter 7 bankruptcy, you must pass the means test. We
can help you with this test by discussing your income and debts and
evaluating your financial situation against the state income median.