Whether it's filing a petition for emergency bankruptcy relief, or advising you about the differences between Chapter 7, Chapter 11, or Chapter 13 bankruptcy, attorney Jeff Smith's law office -- located in Long Beach -- can help you... now.


Our Services

Click on a link below to jump down to the text below:


What is a Petition for Relief? 

A Petition for Relief with the U.S. Bankruptcy Court:

  • Results in an automatic “stay.”  This means no one can attempt to collect a debt from you.
  • Stops all creditor calls, letters, etc., immediately.
  • Begins the process of Bankruptcy.  This means you have certain protections and duties.

TIP FROM JEFF SMITH:  Even before filing a Petition for Relief (Bankruptcy), you can advise creditors that you have retained counsel (which should end debt collection calls and correspondence).  We perform this service on behalf our clients.

Numerous schedules attached to the petition provide an overview of the debtor's finances by describing assets, debts, income and expenses in detail.

The debtor is also required to submit a "means test calculation."  We will assist you with this. Essentially, it involves comparing your average monthly income to the regional median income via matrix. 


The law does not require an individual to have an attorney. But go it alone at your own risk.  It is not as easy to file as it once was.

The law changes of 2005 made it much more complicated to file for bankruptcy protection, and there are additional requirements (such as attending a debt counseling class approved by the court) prior to the court considering your request.

Omitting or improperly listing creditors can result in still owing these debts after the bankruptcy has ended.

Some property, which can be made exempt from the Trustee's taking, will be exempt only if you take certain steps to complete the exemption before you file bankruptcy. Appropriate insolvency planning before your petition is filed can often save you money in the long run.

There also may be problems with respect to the discharge of certain debts. These problems should be discussed with an attorney before bankruptcy is filed, or you risk filing bankruptcy at an imprudent or inappropriate time – which can have serious consequences.  For example, if your petition is filed at the wrong time, it is possible that debts you have transferred to your creditors, friends or family may have to be returned to a bankruptcy Trustee.

You may not be permitted to file bankruptcy again for up to eight years. It makes sense to do it right the first time. 

We provide pre-petition planning to ensure our clients the highest protection possible. Most of our clients keep everything and lose nothing. We are able achieve this because Jeff Smith is a Certified Bankruptcy Specialist. He is an expert in pre-petition planning, and in knowing and taking advantage of all exemptions allowed by law. All of these factors will save you major headaches -- and dollars -- in the long run.


We will be happy to discuss the types of bankruptcy (as well as non-bankruptcy alternatives) when we speak over the phone or at our in-person meeting.  The definitions below are an overview only, and apply to individuals and businesses.

Most consumer debtors file for relief under either Chapter 7 or 13 protection.  We can help you determine which is right for your situation in our telephone consultation.


Chapter 7 is commonly referred to as a “liquidation” or straight bankruptcy.

In a Chapter 7 case, the debtor (you/the company) is released from its legal responsibility to pay most debts. These debts are liquidated and you would not be required to pay any additional amount toward the remaining balance. This type of bankruptcy gives an individual a fresh start, in a situation where he is unable to pay his current debts.

However, sometimes if your (or the company’s) excess monthly income (minus expenses) exceeds a certain level, the debtor may be required to convert to a Chapter 13 bankruptcy. 

In the event that the debtor has little or no assets to liquidate, the creditors' return on the debts is zero.  Upon discharge, the debt is no longer owed.


Chapter 13 is a bankruptcy option for individuals who have the ability to pay all or some portion of the debt. A Chapter 13 bankruptcy allows for a restructuring of the debt and provides a plan for repayment of the debts over a three to five year period 

A debtor files a plan of repayment with the Bankruptcy Court to repay the creditors in full or in part. This plan must be approved by the Court and requires the debtor to make payments to the Bankruptcy Trustee (who in turn distributes the funds to the creditors according to the priority established by the court, and for a period not exceeding five (5) years).

Some types of debt can be discharged without repayment through the plan.  At the end of the repayment period, the debts are no longer owed.


Click here to visit our Business and Bankruptcy section to learn more about Chapter 11 Bankruptcy protection and issues unique to businesses, large and small.


Sometimes bankruptcy may not be necessary, and there may be non-bankruptcy alternatives available to you. Please contact or call us to schedule a complimentary telephone consultation to learn more.


Just as filing for bankruptcy protection affords you certain protections (such as stopping collection processes), it also obligates you to perform certain duties – which have become more complicated since the law changed in 2005.

  • We will help you meet your obligations/duties to ensure an optimal outcome to your case – as well as be there for support and to answer your questions as we go.
  • You must do everything reasonably necessary to cooperate with the Trustee in collecting the estate and records pertaining to it.  We will assist you in this process.
  • You must appear in Court – possibly more than once.  There will be a Meeting of Creditors scheduled by the Court, and we will accompany you to that meeting.
  • You may also be required to make further Court appearances.  If the Trustee or creditor objects to a particular debt being discharged, you will have to appear in Court to defend your discharge.  We will accompany you to all court appearances and/or meetings with the Trustee.


It can be overwhelming to meet with an attorney, decide your financial future -- and figure out how to pay the attorney when you are having financial difficulties to begin with, right?

We are sensitive to your needs and understand this is a difficult time.  We are up-front about our fees and process.  All cases are different, but in general, this is what you can expect:

  • Telephone consult
  • In-person meeting
  • Begin process: stop collection calls, file Petition for Relief
  • Ongoing representation; compile/format all documents for court; communications with creditors, etc.
  • Court appearances
  • Client follow-up as needed

    Phone consultation with Jeff Smith – Mr. Smith will help assess some of the basics of your situation, primarily whether we can assist you, and if we can’t, we can usually recommend others who may be able to help.  If we can assist, and you would like to proceed, then we schedule an in-office consult.  There is no charge for this telephone consult (one only at no charge).

    In-person Consultation – You will then meet with Mr. Smith in person to discuss the specifics of your unique situation.  The fee for the 60-90 minute consultation is $350 – payable the day of the meeting.  If you retain us to file bankruptcy on your behalf, or for other related legal services, we will apply the consultation fee as a credit to the overall fees.

    File Petition for Relief / Stop collection calls and correspondence – We will properly file the Petition for Relief with the Bankruptcy Court.  If this is done incorrectly, you may lose property you could have otherwise protected and face other serious issues.

    Compile / Format all documents for the Court – The U.S. Bankruptcy Court specifies how each document (and accompanying documentation) is to be formatted.  Mistakes in this area can be costly in terms of time, dollars, and even the outcome of your case.  Omissions or improper listing of creditors may result in your still owing the debt – even after your bankruptcy has been discharged.  Our expertise in formatting bankruptcies of varying types minimizes chances of mistakes, and speeds up the process.

    Court Appearances – It is your duty to appear in Court, and we will be there every step of the way, at each appearance.

    Follow-up – We provide post-discharge follow-up services for our clients, depending upon need and type of bankruptcy that was filed.  For more information, please ask during your consult.

A note about our fees:

We are not the most expensive, nor are we the least expensive in terms of our fees. 

You are hiring a specialist for counsel at a crucial time in your financial life.  As with most things, you get what you pay for. 

We will not take a one-size-fits-all approach to your case, and you will be pleased with the level of service and expertise you receive.


All cases are different, but in general, here is a range you can expect. 

An exact fee will be quoted to you in writing, at the in-person consultationThese are examples only, and are fees for our legal services.  The fees do not include court filing fees, or fees associated with court-required debt counseling programs.

Type of Bankruptcy

Approximate Fees

When Fees Are Due

Individual / Family Chapter 7


Fees due up-front, or can be paid in two (2) installments

Individual / Family Chapter 13

$4,000 - $6,000

Expect to pay $1,500 - $2,500 up-front; the remainder of the fees will be included in the bankruptcy installment plan

Business – Chapter 7

Quoted at consult

Fees due up-front, or can be paid in two (2) installments

Self-Employed – Chapter 13


Expect to pay $1,500 - $2,500 up-front; the remainder of the fees will be included in the bankruptcy installment plan.


Click here  to schedule a free telephone consult with Mr. Smith (allow 10 – 15 minutes)

In most cases, Mr. Smith can help assess over the phone the basics of your situation and whether or not we are the appropriate resource / help you need at this time.

At the end of the call, we will either refer you to others who may be able to help your situation, or schedule an in-office consultation.

Click here to email us:  Our office will call you back within one business day. Please include your desired date/time to speak with Mr. Smith, and we will do our best to accommodate your request.

Call Us   We can be reached at 562-624-1177 between 9:00 a.m. and 5:00 p.m., Monday through Friday.  If it is after hours, please leave a message for Mr. Smith and he will return your call the following business day.



We are a debt relief agency pursuant to §524 of Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code.

Terms & Conditions | Privacy Policy Copyright © 2009/2010 Jeffrey B. Smith, Attorney at Law | All Rights Reserved