Trusted Chapter 7 & 13 bankruptcy attorney serving Riverside County. Helped 2,500+ families. Free consultation. Hablamos Español
Edgar P. Lombera
Bankruptcy Attorney · 15+ Years
When overwhelming debt threatens your financial future, you need a Riverside bankruptcy lawyer who understands your situation and delivers real solutions. For 15+ years, attorney Edgar P. Lombera has helped more than 2,500 families throughout Riverside County eliminate debt through Chapter 7 and Chapter 13 bankruptcy. We serve Riverside residents with personalized guidance, bilingual support, and transparent fees.
Our Riverside bankruptcy clients trust us because we deliver results. With 230+ verified five-star Google reviews and a 4.9 overall rating, we have the strongest client satisfaction record in the region. Clients consistently praise our clear communication and compassion during their most stressful moments.
We maintain our office in Redlands at 2068 Orange Tree Lane, Suite 220, Redlands, CA 92374, serving Riverside County and the Inland Empire. We also have a Palm Springs office at 1276 N Palm Canyon Dr #107, Palm Springs, CA 92262 to serve Riverside area clients. Call (909) 915-0181 or (760) 835-9353.
Our entire team is fluent in English and Spanish. From your free consultation through final discharge, you'll work with bilingual bankruptcy professionals. Nuestro equipo completo habla español. This is full representation in your preferred language—not just translation.
Filing bankruptcy in Riverside triggers an automatic stay that immediately stops all collection efforts.
When you file bankruptcy in Riverside with the U.S. Bankruptcy Court, Central District of California—Riverside Division, creditors must cease all collection action. This includes wage garnishment, lawsuits, foreclosure, bank levies, and harassing phone calls. Riverside employees can stop wage garnishment within days by calling (909) 915-0181.
Chapter 13 bankruptcy stops foreclosure and allows you to catch up on missed mortgage payments over 3–5 years while keeping your Riverside home. We've helped hundreds of families save homes from foreclosure. Call immediately if facing foreclosure: (909) 915-0181.
Chapter 7: Eliminates most unsecured debts in 3–4 months. Chapter 13: Creates a 3–5 year repayment plan; best for Riverside homeowners and higher-income earners. Attorney Lombera recommends the right chapter for your Riverside situation.
| Feature | Chapter 7 | Chapter 13 |
|---|---|---|
| Timeline | 3–4 months to discharge | 3–5 year repayment plan |
| Debt Elimination | Most unsecured debts fully discharged | Debts reorganized; some paid through plan |
| Keep Your Home? | Yes, if current on payments | Yes, and catch up on arrears |
| Keep Your Car? | Yes, if current on payments | Yes, and protected from repossession |
| Income Requirement | Must pass means test | Must have sufficient income for plan |
| Cost to You | Flat fee paid upfront | Attorney fees can be included in plan |
Debt settlement companies claim they can slash your debt, but bankruptcy offers better protection, faster relief, and zero hidden costs.
Bankruptcy: Automatic stay stops collection immediately. Chapter 7 eliminates debts in months. Chapter 13 creates affordable payment plans.
Debt Settlement: No legal protection. Creditors keep suing. You pay high fees and face tax liability on forgiven debt.
Compare Your Options: (909) 915-0181Lombera Law also represents Riverside residents who have been injured due to someone else's negligence. If you've been hurt in a car accident, truck collision, slip and fall, or any other accident — and you're also dealing with medical debt — we can help on both fronts. We handle personal injury cases on contingency, meaning you pay nothing unless we recover compensation for you.
Many personal injury clients also carry overwhelming medical debt from their injuries. Attorney Lombera can evaluate whether bankruptcy can eliminate that debt while pursuing compensation from the responsible party. Call (909) 915-0181 for a free consultation.
Job loss, medical emergencies, divorce, and serious accidents often create overwhelming debt situations that feel impossible to escape. Bankruptcy provides a legal path to eliminate those debts and rebuild your financial future. Riverside families dealing with these life events can use Chapter 7 or Chapter 13 to get a fresh start.
Medical bills are the leading cause of bankruptcy in the United States. Even with insurance, a hospitalization, surgery, or chronic illness can leave Riverside families with tens of thousands of dollars in debt. Chapter 7 eliminates medical debt entirely, and Chapter 13 can reduce what you owe to a manageable monthly payment. Call (909) 915-0181 for a free consultation.
Losing a job or having your hours cut can quickly turn manageable bills into crushing debt. Credit cards, car payments, and rent pile up fast. Bankruptcy stops creditor lawsuits, ends wage garnishments, and gives you breathing room to get back on your feet without the weight of unpayable debt.
Divorce can leave you with credit card debt, medical bills, and property division challenges. Chapter 7 or 13 eliminates unsecured debts while spousal support and child support remain your obligation. We'll explain your options.
Riverside has a bankruptcy court right in your community: the U.S. Bankruptcy Court, Central District of California—Riverside Division, located at 3420 Twelfth Street, Riverside, CA 92501. This means attorney Lombera files your case locally, appears before judges he knows, and coordinates with Riverside County Superior Court for family law issues if needed.
We provide Chapter 7 and Chapter 13 bankruptcy services throughout Riverside County and surrounding Inland Empire communities. If you live in any of these cities, call (909) 915-0181 or (760) 835-9353:
"My wages were being garnished, and Edgar filed bankruptcy immediately. The garnishment stopped within days. I got my paycheck back."
Corona, CA
"Our Riverside home was about to foreclose. Chapter 13 saved it. Now we're on a payment plan we can afford and rebuilding our credit."
Moreno Valley, CA
"Edgar ayudó a nuestra familia completamente en español. Fue profesional, compasivo, y claró en cada paso. Estamos muy agradecidos."
Riverside, CA
Get answers to common Riverside bankruptcy questions. If you don't see your question, call (909) 915-0181 for a free consultation.
Chapter 7 attorney fees: $1,200–$2,500. Chapter 13 attorney fees: $2,500–$4,500 (can be included in your plan). Court filing fees: $338–$313. All consultations are free. Call (909) 915-0181 for exact pricing.
3–4 months from filing to discharge. Filing happens within days. Your 341 Meeting with the trustee occurs 30 days after filing. Discharge typically follows 60–90 days later. The Riverside bankruptcy court processes cases efficiently.
Yes. Filing bankruptcy triggers the automatic stay, which stops wage garnishment, lawsuits, and creditor calls immediately. Riverside employees see garnishment relief within days. Call (909) 915-0181 if your wages are being garnished now.
Yes. Chapter 13 stops foreclosure AND lets you catch up on missed payments over 3–5 years. You keep your Riverside home and avoid losing it to sale. If facing foreclosure, call immediately: (909) 915-0181.
No. Attorney Edgar Lombera is fluent in Spanish. We provide complete bilingual bankruptcy services in Riverside. Hablamos español. Llama (909) 915-0181 o (760) 835-9353 para una consulta gratuita.
Credit card debt, medical bills, personal loans, and collection accounts are dischargeable. Non-dischargeable debts include child support, alimony, most student loans, and recent taxes. We review your complete debt picture in your free consultation.
Yes, in most cases. California exemptions protect your primary home (up to equity limits) and vehicle (up to $6,075). If current on payments, you keep both. Chapter 13 offers even more protection for homeowners and car owners.
Chapter 7 remains on your report 10 years; Chapter 13 remains 7 years. However, Riverside clients typically see credit score improvement within months after discharge because bankruptcy eliminates the delinquencies dragging down your score.
Yes. In addition to bankruptcy, we represent Riverside residents injured in car accidents, slip and falls, and other accidents caused by negligence. We work on contingency — you pay nothing unless we win your case. Call (909) 915-0181 for a free consultation.
U.S. Bankruptcy Court, Central District of California—Riverside Division, 3420 Twelfth Street, Riverside, CA 92501. Attorney Lombera files all Riverside bankruptcy cases in this local court.
Stop struggling with debt. Call us today for a free consultation and learn how bankruptcy can help you eliminate debt, stop wage garnishment, foreclosure, and creditor harassment.
Law Offices of Edgar P. Lombera
2068 Orange Tree Lane, Suite 220
Redlands, CA 92374
24/7 Availability
Law Offices of Edgar P. Lombera
1276 N Palm Canyon Dr #107
Palm Springs, CA 92262
24/7 Availability
Hablamos Español • Spanish-speaking services available at both offices
Debt Relief Disclosure: Law Offices of Edgar P. Lombera is a debt relief agency. We help individuals file for relief under the Bankruptcy Code. This website is an advertisement for legal services.
Results and outcomes described are illustrative only and do not guarantee any specific result. Every bankruptcy case is unique. State Bar of California compliant. No outcome guarantees are made. Consultation is free; filing deadlines apply.
