Certified Bankruptcy Specialist
Bankruptcy Alternatives Helping You Save Time, Money & Stress

Los Angeles Bankruptcy Alternatives Attorneys

Receive Counsel from a Certified Bankruptcy Specialist

If you are struggling to pay back your debts, bankruptcy might be a good option. However, bankruptcy is not always the best solution for a person in debt. Prior to filing for bankruptcy, it is wise to explore all of your options for getting relief from your debt. At The Turoci Bankruptcy Firm, our Los Angeles bankruptcy alternative lawyers can help you find the right solution for your unique situation.

Save time, money, and stress by consulting with a Certified Bankruptcy Specialist at The Turoci Bankruptcy Firm. Call (310) 846-8454 now for a free consultation.

Bankruptcy Alternatives for Disputed Debts

If a creditor is suing you and you do not believe payment on the debt is justified, then you may be able to defend yourself against the creditor’s action. There are situations where there may be a dispute over whether a debt is owed.

For example, a contractor hired for home improvement arranges a mortgage loan to pay for the job, but then does substandard work or does not complete the job. Similarly, falsified transactions to buying a car or some other major purchase can lead to a disputed debt. In such cases, fighting the debt in court may be your best solution.

If you have been contacted by a creditor for a debt that you don’t recognize or is higher than the amount you owe, you have the right to dispute the debt. This must be done within 30 days of the initial communication received from the debt collector. This will put a stop to all collection activities until the agency provides the required verification. A failure to dispute the debt in writing within 30 days could result in a loss of certain rights. If you have been contacted by a debt collector and want to dispute the debt, contact The Turoci Bankruptcy Firm for reliable legal support through every stage of the legal process.

Bankruptcy Alternatives for Non-Disputed Debts

If you do not dispute the debt, potential bankruptcy alternatives include:

  • Informal Payment Agreements: For debts that are reasonably small, debtors are often able to establish an informal payment agreement with their creditors to avoid filing for bankruptcy. Credit counseling can be extremely useful when seeking to create such arrangements.
  • Debt Refinancing: Debt consolidation loans allow a debtor to keep up with their monthly bills. Although the loan will not eliminate the debt, it can benefit the individual by having lower interest rates and a longer maturity. However, there could be some risks involved, since consolidating unsecured debts like credit card debts into a mortgage loan may render a debt unable to be eliminated in bankruptcy. Be sure to consult with an experienced legal team prior to deciding to refinance your debts.
  • Financial Assistance Programs: Under California state law, there are programs that can help debtors with certain debts like utility bills and mortgage payments. It’s a good idea to explore these government programs before filing for bankruptcy.

Contact The Turoci Bankruptcy Firm today at (310) 846-8454 to discuss your options with our Los Angeles bankruptcy alternative attorneys.

Client Testimonials 

Hear It From the People We Have Helped
  • Todd, was great, He helped me to get through a rather tough time.

    “Todd, was great, He helped me to get through a rather tough time. He and his staff were professional and helped me along every step of the way...Great work, and I will recommend him to anyone.”

    - Eric Quinn
  • Thank you Mr. Turoci for assisting me with my financial situation. You and your staff (Daisy, Courtney, Laura, and Dana) were so helpful!

    “Thank you Mr. Turoci for assisting me with my financial situation. You and your staff (Daisy, Courtney, Laura, and Dana) were so helpful and handled my situation. Very friendly and professional. I ...”

    - Kimberly Deasey
  • Mr.Turoci always answered my questions, and put me at ease. My only regret is that I didn't do this sooner.

    “I was very nervous and scared about having to file for Bankruptcy. I was exhausted in trying to keep up with finances I could not handle any more, I contacted the Turoci Firm and was relieved that I ...”

    - Mary Cunningham
  • Turoci Law firm two thumbs up!

    “Turoci Law firm two thumbs up! We came to him with questions and concerns. He addressed all our questions and helped guide us to the best solution. I highly recommend to all friends and family. Hablan ...”

    - Sandra Hernandez
  • Mr. Turoci and his staff listened to our concerns. They were courteous, understanding and very thorough.

    “Mr. Turoci and his staff listened to our concerns. They were courteous, understanding and very thorough. Always answered our questions and made sure all paperwork was done correctly. We are very ...”

    - Lydia Gulley
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Meet Our Legal Team

Here to Guide You Every Step of the Way
  • Todd  Turoci Photo
    Todd Turoci

    Founding Attorney

    About Todd Turoci The Turoci Bankruptcy Firm is owned and operated by Todd Turoci. The Firm limits its practice to the field of bankruptcy, insolvency, workouts and related civil litigation matters. The Firm has offices in the counties of Riverside, Los Angeles, and San Bernardino. The Firm primarily represents Consumers and Businesses as Debtors and Debtors-in-possession in Chapters 7, 11, and 13. Todd Turoci is one of the few Certified Bankruptcy Specialists in the Central District and the ...
  • Dustin  Nirschl Photo
    Dustin Nirschl

    Attorney

    About Dustin Nirschl Mr. Nirschl joined the Firm in June of 2019. He has worked with the City of Irvine as a Planning Commissioner for 2 years and 8 months where he considered resolutions, ordinances, and commission business. Dustin also examined applicants at public hearings, and lead discussions. Dustin also served as a Law Clerk for Hanna Brophy for 1 year where he prepared petitions for joinder, dismissal, and costs. Mr Nirschl Appeared at and summarized depositions. He also negotiated cases ...
  • Meredith  Jury Photo
    Meredith Jury

    Retired Bankruptcy Judge

    About Meredith Jury Judge Jury joined the Firm in July 2018. She has served over 20 years as Bankruptcy Judge presiding over thousands of bankruptcy proceedings. She has also served as a member of the United States Bankruptcy Appellate Panel for the Ninth Circuit. Prior to taking the bench she had over 21 years of experience as a litigator primarily practicing in bankruptcy. She was the first female associate and partner at Best, Best, Krieger, a professional law firm in Los Angeles, California. ...
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The Turoci Difference

Personal Guidance Through the Entire Process
  • Certified Bankruptcy Specialists

    Todd is one of the few Certified Bankruptcy Specialists in the Central District and the only one in the Inland Empire, as designated by the American Board of Certification.

  • Free, No-Obligation Consultation

    Our firm offers free, no-obligation consultations for those who chose to retain our services.

  • Compassion

    We can understand how challenging this process can be and will guide you through, every step of the way.

  • Availability

    We offer our clients after-hour, weekend and same day appointments to meet your busy schedule.

  • Personalized Attention

    When you hire us, you will have direct access to your attorney from start to finish.

  • Bilingual

    Our team is bilingual! We service our clients in English & Spanish.

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