Fontana bankruptcy attorney Edgar P. Lombera helps families eliminate debt through Chapter 7 and Chapter 13 bankruptcy. 15+ years. 2,500+ Fontana families. Free Fontana consultation. · Hablamos Español
Edgar P. Lombera
Bankruptcy Attorney · 15+ Years
Fontana sits at the I-10 and I-15 interchange — the heart of Southern California's logistics corridor. With a population of roughly 215,000, Fontana is one of the largest cities in the Inland Empire and a gateway between Los Angeles and San Bernardino County. Thousands of Fontana residents work in warehouse and distribution jobs at Amazon, UPS, and FedEx facilities along the I-10/I-15 corridor near Foothill Boulevard.
When layoffs hit, when medical bills pile up from Kaiser Permanente Fontana (the largest Kaiser facility in the United States), or when credit card debt spirals out of control, Fontana families face impossible financial choices. Our Fontana bankruptcy lawyers have helped 2,500+ families across Fontana, Rancho Cucamonga, Rialto, and San Bernardino find debt relief through Chapter 7 and Chapter 13 bankruptcy filing. Whether you face wage garnishment, foreclosure on your Fontana home, or aggressive debt collection harassment, a Fontana bankruptcy attorney at our law firm provides the consumer protection you need.
With approximately 70% of Fontana's population being Hispanic or Latino, our bilingual Fontana bankruptcy law office ensures every debtor understands their legal rights. As a member of the State Bar of California, attorney Edgar Lombera meets the highest bar association standards for consumer bankruptcy representation in Fontana.
Free, No-Obligation Consultation
Talk to attorney Edgar Lombera today. Get honest answers about your money situation — in English or Spanish.
Call (909) 915-0181 NowFontana Chapter 7 bankruptcy is the fastest way for consumer debtors to eliminate unsecured consumer debt — credit card debt, medical bills, personal loans, debt collection accounts, and utility arrears — in just 3-4 months. As a consumer bankruptcy lawyer serving Fontana, attorney Edgar Lombera handles the entire Chapter 7 filing process from your free consultation through final discharge. Our Fontana bankruptcy law firm has helped thousands of consumer debtors achieve a financial fresh start through Chapter 7 liquidation.
To qualify for consumer Chapter 7 bankruptcy in Fontana, you must pass the means test. If your Fontana household income falls below the California median ($64,000 single earner), you automatically qualify. Many Fontana families with higher income also qualify after deducting allowable expenses. Your Fontana bankruptcy attorney will run the means test during your free consultation and recommend the best consumer bankruptcy chapter for your financial situation. Court filing fees are $338 for Chapter 7 (2026), plus our flat-fee attorney fees.
Fontana Chapter 13 bankruptcy creates a 3-5 year repayment plan that protects your property and assets from creditor claims. For Fontana homeowners facing foreclosure, Chapter 13 is ideal — the automatic stay stops foreclosure immediately and gives the debtor time to catch up on missed mortgage payments. Your Fontana Chapter 13 attorney at our law firm will negotiate a repayment plan with the bankruptcy trustee that consolidates all consumer debts into one affordable monthly payment.
Chapter 13 is also the best option for Fontana debtors with income above the means test threshold, debtors behind on car payments, or debtors who need to strip a second line of credit or home equity line of credit. The bankruptcy trustee distributes your single payment to creditors according to the court-approved plan, giving the consumer debtor full legal protection throughout the 3-5 year repayment period. Filing fees are $313 for Chapter 13 (2026).
| Feature | Chapter 7 | Chapter 13 |
|---|---|---|
| Purpose | Eliminate most unsecured debt entirely | Reorganize debts into a repayment plan |
| Timeline | 3-4 months to discharge | 3-5 year repayment plan |
| Means Test | Must pass (income below median or qualifying deductions) | Must have regular income for plan payments |
| Property | Non-exempt asset may be sold (most cases are no-asset) | Keep all your property |
| Foreclosure | Temporarily stops foreclosure via automatic stay | Stops foreclosure and cures mortgage arrears |
| Garnishment | Immediately stops wage garnishment | Immediately stops wage garnishment |
| Credit Report | Remains for 10 years | Remains for 7 years |
| Attorney Fee | Flat fee — paid before filing | Flexible payment plans available |
| Best For | Fast consumer debt relief for Fontana families | Fontana homeowners and those with property to protect |
When you file bankruptcy, the court issues an automatic stay that immediately stops creditors from taking further collection action.
When you file Fontana bankruptcy with the Central District of California Bankruptcy Court (Riverside Division), the automatic stay goes into effect immediately. Fontana bankruptcy stops wage garnishment, foreclosure, repossession, bank levies, and debt collector calls. For Fontana workers with wage garnishment, Fontana bankruptcy is the fastest way to recover your paycheck. Both Chapter 7 and Chapter 13 provide automatic stay protection.
Under the Fair Debt Collection Practices Act (FDCPA), consumer debt collectors cannot harass, threaten, or abuse Fontana consumers. Many Fontana residents tolerate illegal debt collection harassment without realizing their consumer rights under California and federal consumer protection law. Our Fontana bankruptcy lawyers and attorneys help identify FDCPA violations, stop debt collection harassment, and pursue consumer protection claims against aggressive debt collectors and creditors targeting Fontana families.
If a creditor or debt collection agency has filed a lawsuit or is threatening legal action, Fontana bankruptcy filing provides immediate consumer debt relief through the automatic stay. Our Fontana consumer bankruptcy lawyers defend consumers against debt collection lawsuits, creditor harassment, and illegal collection practices.
Need immediate relief from debt collection? We can help.
Call (909) 915-0181 — Available 24/7The Law Offices of Edgar P. Lombera is more than a Fontana consumer bankruptcy law firm. Our Fontana attorneys and lawyers provide comprehensive legal services including foreclosure defense, wage garnishment relief, and personal injury representation. Many Fontana families dealing with consumer bankruptcy also face personal injury claims from workplace accidents at Amazon, UPS, and FedEx distribution centers along the I-10/I-15 corridor.
Our Fontana consumer lawyers and attorneys handle personal injury cases for warehouse workers injured along the I-10/I-15 corridor, personal injury claims from auto accidents in Fontana, and personal injury lawsuits requiring coordination with consumer bankruptcy filing. Whether you were hurt on the job or in a car accident, our Fontana personal injury attorneys fight for maximum compensation while our bankruptcy lawyers protect your financial future. From Los Angeles to San Diego, our lawyers serve consumers across the Inland Empire and Southern California. Read our client reviews to see how Fontana families rate our consumer legal services.
Many Fontana families worry about their credit score and credit history after consumer bankruptcy. Chapter 7 stays on your credit report for 10 years; Chapter 13 for 7 years. However, most Fontana consumer bankruptcy clients see credit score improvements within 12-24 months of discharge. Fontana bankruptcy improves your credit score faster than carrying unmanageable consumer debt, because it eliminates the negative credit card accounts and collections dragging down your credit history and credit score.
After Fontana Chapter 7 discharge, many consumer debtors qualify for secured credit cards, auto loans, and mortgage financing within 2-3 years. Credit counseling — required before Fontana bankruptcy filing — provides money management tools and credit score rebuilding strategies from day one.
Not sure if bankruptcy is right for you? We'll tell you — for free.
Call (760) 835-9353 — Palm Springs OfficeOur main office is in Redlands, CA — approximately 25 minutes from Fontana — serving Fontana, San Bernardino, Riverside, Rancho Cucamonga, and communities throughout Southern California and the Inland Empire. All Fontana bankruptcy cases file with the U.S. Bankruptcy Court, Central District of California (Riverside Division). Learn more about bankruptcy basics from the U.S. Courts.
For our Palm Springs location, call (760) 835-9353 or visit us at 1276 N Palm Canyon Dr #107, Palm Springs, CA 92262.
En la oficina legal de Edgar P. Lombera, entendemos que enfrentar problemas financieros es difícil — y es aún más difícil cuando no puede comunicarse cómodamente con su abogado. Por eso nuestro equipo completo habla español. Fontana tiene una comunidad hispana vibrante, y estamos orgullosos de servir a nuestras familias en su idioma.
Ofrecemos consultas gratuitas, representación completa en Capítulo 7 y Capítulo 13, y defensa contra embargos de salario y ejecuciones hipotecarias — todo en español.
Llame hoy para una consulta gratuita y confidencial:
Edgar stopped my Fontana foreclosure with Chapter 13. The automatic stay halted the sale. Now I have an affordable Fontana bankruptcy payment plan to catch up on my mortgage. Highly recommend.
Fontana, CA
My wage garnishment stopped the week I filed Fontana Chapter 7. Professional Fontana bankruptcy service and fast discharge. Got my full paycheck back. Excellent!
Fontana, CA
Drowning in credit card debt. Edgar offered affordable Fontana Chapter 7 fees. Six months later, discharged. Explained credit rebuilding. Bilingual Fontana bankruptcy service. Highly recommend!
Fontana, CA
Edgar P. Lombera is a State Bar of California licensed Fontana bankruptcy attorney and consumer lawyer with 15+ years of experience. As a State Bar Association member in good standing, attorney Lombera meets the highest bar association standards for consumer bankruptcy and personal injury law. Edgar has helped 2,500+ Fontana families through Chapter 7 and Chapter 13 consumer bankruptcy as both their bankruptcy lawyer and trusted legal advisor.
Edgar is fluent in English and Spanish, providing bilingual Fontana consumer bankruptcy services. During your free Fontana bankruptcy consultation, this experienced consumer bankruptcy lawyer will personally review your financial situation, run the means test, and recommend the best Fontana bankruptcy strategy — whether Chapter 7, Chapter 13, debt settlement, mediation, arbitration, or alternative debt relief. Our Fontana bankruptcy law firm accepts personal injury cases alongside consumer bankruptcy. Learn more about Attorney Edgar P. Lombera.
Understanding your options is the first step toward debt relief. For personalized legal advice about your situation, contact our law office at (909) 915-0181 for a free consultation.
Flat-fee Chapter 7 and flexible Chapter 13 Fontana bankruptcy plans. Court fees: $338 Chapter 7, $313 Chapter 13 (2026). Free Fontana consultations. Call (909) 915-0181 for a no-obligation evaluation.
Fontana Chapter 7 takes 3-4 months. File with Central District of California Bankruptcy Court (Riverside Division), attend creditor meeting, receive discharge. Your Fontana bankruptcy lawyer handles everything.
Yes. The automatic stay halts Fontana foreclosure immediately. Fontana Chapter 13 lets homeowners catch up on missed mortgage payments over 3-5 years while keeping home. Free Fontana consultation.
Yes. Filing Fontana bankruptcy triggers automatic stay that immediately stops wage garnishment and all collections. Fontana bankruptcy filing halts garnishment same week.
Pass the means test. If Fontana household income below California median ($64,000 single earner), you automatically qualify for Fontana Chapter 7. Free Fontana consultation to determine eligibility.
The Fair Debt Collection Practices Act is a federal law prohibiting debt collectors from using harassment, threats, or deceptive practices. It limits when and how debt collection agencies can contact you. Fontana consumers can sue for FDCPA violations — recover damages plus attorney fees. Filing bankruptcy provides additional protection by stopping all debt collection through the automatic stay.
Fontana Chapter 7 remains 10 years; Chapter 13 remains 7 years. Most Fontana clients rebuild credit within 12-24 months. Fontana bankruptcy improves credit faster than carrying debt.
Fontana credit cards, medical bills, personal loans, collections are eliminated. Student loans, child support, alimony, taxes not dischargeable in Fontana bankruptcy. Attorney Lombera will review your specific debts during a free consultation.
Yes. Complete Fontana bankruptcy services in English and Spanish. Bilingual Fontana bankruptcy team from consultation through discharge. Hablamos Español. Call (909) 915-0181.
No. En la oficina legal de Edgar P. Lombera, todo nuestro equipo habla español. Ofrecemos consultas gratuitas, representación completa en Capítulo 7 y Capítulo 13, y defensa contra embargos de salario y ejecuciones hipotecarias — todo en español. Llame al (909) 915-0181 para una consulta gratuita.
Your free consultation is completely confidential. We'll review your situation, explain your options, and give you honest advice — with no pressure and no obligation. Consultas disponibles en español.
Call (909) 915-0181Law Offices of Edgar P. Lombera
2068 Orange Tree Lane, Suite 220
Redlands, CA 92374
Phone: (909) 915-0181
~25 min from Fontana · Free Parking · Hablamos Español
Law Offices of Edgar P. Lombera
1276 N Palm Canyon Dr #107
Palm Springs, CA 92262
Phone: (760) 835-9353
Coachella Valley Location
Debt Relief Disclosure: We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The information on this website is for general informational purposes only and should not be construed as legal advice. Every situation is different. Past results do not guarantee future outcomes. An attorney-client relationship is not formed until a written agreement is signed. Free consultations are available for potential clients to evaluate their legal options.
