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Your Trusted Bankruptcy & Debt Relief Solution in Los Angeles
Westgate Law is a Los Angeles-based bankruptcy and debt relief firm with over 15 years of experience guiding clients through financial distress. Our team of seasoned attorneys specializes in Chapter 7 and Chapter 13 bankruptcy filings, debt settlement, and protection from creditor harassment. We pride ourselves on personalized service, ensuring each client receives direct attention from experienced professionals rather than being handed off to junior associates. Our three-step approach begins with immediate debt crisis management, executes tailored solutions through bankruptcy or alternative strategies, and continues with lifelong credit rebuilding support.With a track record of over 7,000 bankruptcy cases filed and 20,000 debt consultations, we combine legal expertise with compassionate guidance to help clients achieve financial stability. Our firm maintains transparency through upfront pricing, no hidden fees, and flexible payment plans. We offer remote consultations to accommodate busy schedules while providing comprehensive post-filing support to ensure long-term financial health.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Debt Settlement
Credit Counseling
Collection Harassment Defense
Highlights and features
- No hidden fees - Transparent pricing includes all required court appearances
- Flexible payment plans for financially strained clients
- Immediate protection from creditor harassment
- Over 7,000 bankruptcy cases filed with personalized attorney attention
- Lifelong credit rebuilding support post-bankruptcy discharge
What people say
Professional team
Transparent pricing
Effective debt relief
Compassionate support
Successful outcomes
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy stops garnishments, foreclosures, and debt collector actions. Qualification depends on income and asset limits. Our attorneys guide clients through the process from filing to discharge, ensuring protection of exempt assets. We help clients rebuild credit post-discharge while eliminating qualifying debts.
Chapter 13 Bankruptcy
Chapter 13 allows debt repayment over 3-5 years. Ideal for those with regular income needing to catch up on mortgage or car payments. We create feasible repayment plans, freeze foreclosure proceedings, and protect clients from creditor actions throughout the process.
Debt Settlement
Our attorneys negotiate debts for less than owed while protecting clients from creditor harassment. We pre-qualify clients for success, handle creditor communications, and ensure settlements include proper legal protections. This alternative avoids bankruptcy's credit impact.
Credit Counseling
We provide certified credit counseling to create debt management plans. Our guidance helps clients understand debt options while developing sustainable financial habits. Counseling includes budgeting strategies and creditor communication support to prevent future financial crises.
Collection Harassment Defense
Our firm defends clients against FDCPA and TCPA violations. We stop illegal collection tactics including robocalls, workplace contact, and harassment. When necessary, we sue collectors for damages while resolving underlying debt issues through appropriate legal channels.
People
Justin Harelik
Founder & Lead Bankruptcy Attorney
With 15+ years experience, Justin Harelik specializes in bankruptcy, debt negotiation, and credit management. He authors Bankrate's bankruptcy advice column and speaks Spanish fluently. Licensed in California and Texas, he's committed to helping clients achieve financial stability through personalized solutions.
Matthew A. Rosenthal
Senior Attorney
Matthew A. Rosenthal focuses on consumer protection law, FDCPA violations, and repossession defense. With extensive experience in debt defense litigation, he protects clients from illegal collection practices while providing strategic legal representation for financial recovery.
Questions
What bankruptcy options are available?
We specialize in Chapter 7 (liquidation) and Chapter 13 (reorganization) bankruptcies. Our attorneys assess your financial situation to determine which option best suits your needs and eligibility.
How does debt settlement work?
Our attorneys negotiate with creditors to reduce your debt amount. We handle communications while ensuring settlements include proper legal protections to prevent future collection attempts.
Can bankruptcy stop foreclosure?
Yes, both Chapter 7 and Chapter 13 bankruptcies immediately halt foreclosure proceedings. Chapter 13 specifically allows catching up on mortgage arrears over 3-5 years.
What credit rebuilding support do you provide?
We offer post-bankruptcy guidance including credit monitoring strategies, responsible borrowing techniques, and financial management education to help rebuild credit scores effectively.
How are legal fees structured?
We provide transparent pricing with no hidden fees. Our flat-rate fees include all required court appearances, with flexible payment plans available for financially strained clients.
Can you help with creditor harassment?
Yes, we immediately stop illegal collection activities through formal cease-and-desist letters and, when necessary, sue violators for damages under FDCPA and TCPA protections.
