Bankruptcy Help for Colton, Rialto and Bloomington

If you live in Colton, Rialto or Bloomington, your bankruptcy case is filed in the Riverside Division of the Central District of California, and our Fontana office is a short drive up Cherry Avenue or along the I-10. The first consultation is free.

Which court hears your case

San Bernardino County residents in this corridor file in the Central District of California. Which division and which trustee your case lands with affects the practical details — what documents are requested, how the 341 meeting of creditors runs, how quickly things move. It does not change the law, but it changes the experience, and an attorney who works those calendars regularly knows what to expect.

What we handle for this area

• Chapter 7 — discharges credit cards, medical bills, personal loans and most judgments, while California exemptions protect the car, household goods, tools of the trade and a substantial amount of home equity
• Chapter 13 — a three-to-five-year plan, used when income is too high for Chapter 7 or when you need to cure mortgage arrears and keep the house
• Stopping wage garnishment — the automatic stay halts it the day the case is filed
• Stopping foreclosure — filing stops a scheduled trustee sale, and Chapter 13 lets you catch up the arrears without the lender having to agree
• Vehicle repossession — and, in some cases, getting a car back

The automatic stay is the part that helps immediately

Most people come in because of one specific pressure: a garnishment that has already started, a frozen bank account, or a sale date on the house. All three are addressed by the automatic stay the moment the petition is filed. If you are being garnished, the filing date decides which paychecks you keep — which is why waiting is the expensive choice.

What to bring

Six months of pay stubs, your last two tax returns, a rough list of your debts, and any court papers or recorded notices such as a Notice of Default. That is enough to tell you which chapter you qualify for and what you would keep.

Free consultation

Hedtke Law Firm has represented Inland Empire families in bankruptcy for 16 years, with approximately 3,000 cases filed. No charge for the first meeting, and no obligation.

Hedtke Law Firm — Fontana
7426 Cherry Ave, Suite 210-312, Fontana, CA 92336
Call (909) 457-0054

Serving Fontana, Rialto, Colton, Bloomington and Jurupa Valley. See also: Fontana bankruptcy attorney, stop wage garnishment, stop foreclosure, and what it costs.

General information about California bankruptcy procedure, not legal advice for your specific circumstances.