Services

The law firm of Bayer, Wishman & Leotta has successfully represented thousands of individuals and commercial clients in bankruptcy proceedings for almost 30 years.

The firm offers prospective clients a free consultation. They will go over your personal situation and explain how bankruptcy may affect each of your debts, property and assets. They will not recommend bankruptcy unless you need it. Our aim is to provide the very best counsel to our clients and we will be as objective as possible about your options.

At the end of your consultation, if you decide that bankruptcy is the best option, we will quote you a very reasonable rate. Payment plans are available. You are under no obligation and whatever you decide; our advice during the consultation is free.

If bankruptcy is your best option, we will help you decide how to proceed.

Chapter 7 If you are being crippled by high credit card debt or medical bills, Chapter 7 may be a way for you to discharge those debts. Also called "liquidation," "debt wipe-out" or "fresh start," Chapter 7 cases are typically resolved 4 months after the filing date. You will receive a Bankruptcy Discharge and your obligation to the discharged debts will be over. Together we determine is this is the best course of action for you.

Chapter 13 Chapter 13 is also known as "reorganization" or "consolidation." If your income is determined to be too high for a Chapter 7 procedure, but you are facing foreclosure on your home, auto repossessions or tax debts, Chapter 13 can help give you some breathing room.. 99% of all debtors who fileChapter 13, keep their assets. This may also be the best option for joint husband/wife filings.

Foreclosure Frequently, those who file bankruptcy and keep their homes are able to recover their lost equity. We can help you protect your largest investment.

Call 800-477-3111 right now for a free consultation.

A practicing attorney since 1979, Mr. Bayer is a founding partner in the law firm of Bayer, Wishman & Leotta (1989) and is a Certified Specialist, Consumer and Small Business Bankruptcy Law, by the State Bar of California Board of Legal Specialization.

Education: California State University, Northridge (B.A., 1975), University of LaVerne College of Law (J.D., 1979)

Admitted to the Bar: 1979. Southern, Eastern, Northern and Central Districts of California; U.S. Court of Appeals, Ninth Circuit.

Publications: "The Essentials of Chapter 13," Daily Journal Report, December 18, 1987

Contributing Editor, Basic Bankruptcy, California Practice Handbook, Matthew Bender 1992, 1993.

Reviewer for CEB on a bankruptcy practice guide on California bankruptcy practice.

Lectures Mr. Bayer is a frequent law lecturer, including programs on recent developments in bankruptcy law at the State Bar of California Annual Meeting, 1984, 1986, 1987, 1988, 1989; and Bridging the Gap, Los Angeles County Bar Association and the Daily Journal Corporation, 1999, 2000, and 2001.

President, 1995-1996 of the Los Angeles Bankruptcy Forum Member-Los Angeles County Bar Association Committee on Commercial Law & Bankruptcy, 1988 Law Advisory Commission-Personal & Small Business Bankruptcy Law of the State Bar of California, 1996-2000 Mr. Bayer is frequently sought out for interview on television, radio and newspaper.