Upland CA Bankruptcy Lawyers | Chapter 7 & Chapter 13

Phillip Myer | Head Bankruptcy Attorney

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Law Offices of Phillip Myer, APC.

The Law Offices of Phillip Myer is a Professional Law Corporation.  We are firmly dedicated to protecting the American consumer.  Our main areas of concentration are lender liability litigation, immigration law, real estate law and consumer bankruptcy.

We are community focused.  Our firm is committed to working with community groups, government, non-profits, and profit-based organizations to help our country’s commerce thrive in a way that is mutually beneficial for business and the consumer.  Whenever possible, we cooperate with lending institutions to enable them to offer fair and transparent services to borrowers and depositors.

The bottom line is that we are fighting for the average American.  When it is necessary for us to sue even the largest institutions and banks to protect the little guy, we have no hesitation to file lawsuits.  We strive to put the courts to work for people who otherwise have no voice in the justice system.

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Practice Areas

We are prepared to fight for the consumer wherever the average person needs protection.  Compromise, mediation and settlement are always honorable objectives, and we attempt to bring business organizations and the consumer together in a solution that benefits everyone.  But where no compromise can be reached, we are ready for the good fight.

Lender Litigation / Mortgage Relief

Unfortunately, the ordinary family is often poorly served by the financial institutions on which we all depend.

One of today’s greatest tragedies, involving personal suffering and economic loss, is the failure of banks to assist borrowers in restructuring mortgages. The financial collapse of 2008, and the ensuing recession, has caused great dislocation in the real estate market. Many homeowners have lost jobs, suffered from lower wages or reduced hours, and faced the consequences of mortgages that are “under water” because the bank’s secured debt is substantially greater than the fair market value of the property.

The Firm actively pursues lawsuits against lenders to enforce their duty to act responsibly toward homeowners. Most of these legal cases are brought in state court, but the Firm is also prepared to carry on the lawsuit if it is removed to federal court.

Suing the lender is an effective way to make the banks recognize that borrowers are not powerless. The average person can be effectively represented in court. Often suing the lender is the only way to make it extend consideration to its customers. Through the power of litigation, the ordinary person can bring the large institution to the bargaining table.

Immigration / Deferred Action for Parental Accountability (DAPA)

Immigration reform has arrived in the form of DAPA - Deferred Action for Parental Accountability. This is an expansion from DACA - Deferred Action for Childhood Arrivals. The program is designed to keep families together. The application period is estimated to commence within 90 to 180 days from November 20, 2014.

The immigration process can be difficult and overwhelming. We understand these cases deal with safety, security, family and so many other important factors. A lot of stress can associated with immigration cases can be relieved by having an attorney who understands the system and how important the outcomes are to the petitioner and beneficiary.
Whether you need help obtaining a green card, applying for citizenship, or defending against removal or deportation, we are here to help. We handle a wide variety of immigration matters including:
*Family-based petitions
*Spousal petitions
*Employment-based petitions
*Investor visas
*Deportation defense
*Citizenship applications
*Deferred Action for Childhood Arrivals (DACA)
*Visa applications of a more sensitive nature—like U-visas, T-visas, and Violence Against Women Act (VAWA) self-petitions.

Chapter 7 Bankruptcy - Credit Card / Medical Bills

Many hard-working honest people run into financial difficulty through no fault of their own. A divorce, job layoff, or medical problems can push you over the edge financially. You may think, “How will I ever get out from under this mountain of debt?” But this seemingly unending hardship has a solution. By filing a chapter 7 bankruptcy you can get debt relief, stop the threat of foreclosure or repossession, and have more disposable income.

THE BENEFITS OF CHAPTER 7

Phillip Myer, APC can help you take control of your financial future. We will evaluate your situation in a free consultation and determine whether it is best for you to file under chapter 7 or chapter 13. Both options may free you from your debts and give you a fresh financial start. Chapter 7 is ideal for people without significant assets who need a fresh start.

With a Chapter 7 bankruptcy you can:

· Eliminate credit card debt
· Eliminate taxes more than 3 years old***
· Eliminate medical and other unsecured debts
· Free up income that used to go towards payments on your credit cards
· Keep your house, car and personal possessions if you current in payments for them
· Begin rebuilding your credit score
· Start a fresh financial start in life.

***Whether your taxes can successfully be discharged depends on your individual circumstances. We will need to evaluate your particular tax situation to make a determination.

Chapter 13 Bankruptcy - Restructuring Debt

Filing a Chapter 13 bankruptcy proceeding is a powerful way to protect the borrower and allow a restructuring of financial obligations. An “automatic stay” is imposed by the filing of a bankruptcy case, and the lender cannot foreclose on the debtor’s property without convincing a federal bankruptcy judge that a relief from stay should be granted.

In a successful Chapter 13 proceeding, the debtor has several years in which to make up for overdue mortgage payments. Second liens on the debtor’s residence can be eliminated if such liens are “under water” and the home is worth less than the obligation secured by the first trust deed. By bringing “motions to value,” the Firm can also assist the borrower by reducing the mortgages on rental properties to the current market value of the rental real estate.

We are a debt relief agency. We help people file for bankruptcy under the Bankruptcy Code.

Awards & Membership

Why Choose Us?

WE CARE ABOUT YOU • COMPASSIONATE • RESPECTFUL • 95% SUCCESS RATE

We are attorneys with one goal, and that’s finding solutions to obtaining financial freedom for our clients. We aid in the prevention of foreclosure , collections, repossession, levies, garnishments and judgments by your creditors.

Our Legal Team

We are prepared to fight for the consumer wherever the average person needs protection.  Compromise, mediation and settlement are always honorable objectives, and we attempt to bring business organizations and the consumer together in a solution that benefits everyone.  But where no compromise can be reached, we are ready for the good fight.

Phillip Myer

phil3-150x150Phil Myer is the lead bankruptcy attorney at Phillip Myer, APC. He has represented clients in chapter 7, 11 and 13 cases for over 15 years. Phil is directly involved in stopping foreclosures and working out repayment plans on his clients’ homes through the use of the bankruptcy laws, and to help his clients get a fresh financial start. He spends much of his time personally handling his clients’ cases and appearing for them in court.

In the past Phil has run his own law practice and worked for many years in small firms in the San Gabriel Valley. He has over 30 years’ experience practicing law in the Los Angeles area.

Phil received his J.D. degree from Loyola University School of Law, Los Angeles. Prior to law school he received his B.A. degree from the University of Wisconsin – Madison.

When not practicing law Phil spends his time in activities through his church, volunteering his time in charitable work, and singing in his church and community choirs.

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Contact Us

Contact the Law Offices of Phillip Myer

9220 Haven Ave #108-C, Rancho Cucamonga, CA 91730

(855) 391-3091

ftoscano@phillmyerlaw.com