Bankruptcy Law

INTO CHAMPON & ASSOC., A Law Corporation, recognizes that it can not be experts in all areas.  Therefore, we concentrate on Chapter 7 and 13 bankruptcy cases only.  After reviewing your case with you, we will be able to quote you a flat legal fee for representation in cases where no one objects to your discharge.

As our practice include civil litigation defense, we have been able to use the knowledge in the field to help our clients avoid bankruptcy in many cases.  In one case, we were able to settle a judgment of over $3 million for $3,000.00 for our clients and accordingly, helped them avoid bankruptcy and kept their family home***

When appropriate, we helped clients avoid liens on real or personal properties in both Chapter 7 and Chapter 13 cases.  In Chapter 13 cases, we will be able to help you to get rid off your junior loan(s)(2nd, 3rd, …) in appropriate cases, i.e., your first loan is less than the market value of your principal residence.

If a creditor file a complaint objecting to your discharge and you choose to retain us, we will also be able to defend you for additional legal fees.




Los Angeles Superior Court Case Number TC016559: The defendant-owner of a car which was driven by her son and which caused very serious injuries to plaintiffs, was uninsured at the time of the accident.  The plaintiffs sued the defendant in a California state court.  After the court entered default, the defendant went to see an attorney who incorrectly helped her filed Chapter 13 bankruptcy.  When the plaintiffs’ attorneys failed to appear at an order to show cause hearing, the court dismissed the defendant and notified the plaintiffs’ attorneys.  When the plaintiffs filed a large proof of claim and pointed out to the bankruptcy court that the total unsecured debts of over $600,000 in the automobile accident case exceeded the statutory limits for Chapter 13, the bankruptcy court dismissed the case.  The defendant then came to us to file bankruptcy.  As she indicated to us that she preferred to avoid bankruptcy and had sufficient resources to pay the owner liability limit, we recommended that she do not file bankruptcy and proceeded to offer to pay the plaintiffs the owner $30,000-per-accident liability limit.  Although the plaintiffs rejected the offer, the plaintiffs’ attorneys did not take further action until 26 months after the court dismissed the California state court case and 23 months after the bankruptcy court dismissed the defendant Chapter 13 bankruptcy when the plaintiffs’ attorneys filed a motion to set aside the dismissal.  We represented the defendant to file the opposition to the motion.  The court ruled in our client/defendant’s favor.  Our client/defendant did not have to pay the plaintiffs anything.


***Of course, past successes do not guarantee future successes.

**We are a debt relief agency under Title 11 of the United States Code and 2005 reform amendments, and we help people file for bankruptcy relief under the Bankruptcy Code.

*Sorry, we do not accept credit cards from our clients who intend to file for bankruptcy protection.