Trusted Bankruptcy Attorney Serving Moreno Valley Families — Chapter 7 & Chapter 13 Debt Relief · Hablamos Español
Edgar P. Lombera
Bankruptcy Attorney · 15+ Years
When debt becomes unmanageable, you need a bankruptcy lawyer who understands your situation and treats you with respect — not judgment. Attorney Edgar P. Lombera has spent over 15 years helping families across Moreno Valley and Riverside County find real debt relief through Chapter 7 and Chapter 13 bankruptcy. As a member of the State Bar of California with deep knowledge of bankruptcy law, he has guided more than 2,500 debtors through the process at our top rated law firm.
Our law office serves clients throughout the Inland Empire, with lawyers and associates who understand the financial pressures facing Moreno Valley residents. Whether you're dealing with wage garnishment, a debt collection lawsuit, foreclosure threats, or overwhelming credit card debt, our bankruptcy attorney provides experienced legal advice and representation.
Moreno Valley is a hardworking community of over 215,000 people in western Riverside County. Many residents commute along the 60 Freeway and SR-215 to jobs in Riverside, Los Angeles, or Orange County, and those commuting expenses add up. Warehouse and logistics workers at Amazon, Skechers, and other employers along the I-215 corridor often lack comprehensive health coverage, making medical debt from Riverside University Health System or Kaiser Permanente Moreno Valley a leading cause of financial hardship.
The 2008 housing crisis hit Moreno Valley especially hard, and many first-generation homeowners in this community are still recovering. Between rising mortgage payments, medical bills, student loan obligations from Moreno Valley College, and persistent credit card debt, many families reach a breaking point. Bankruptcy in the United States exists precisely for these situations — it's a legal right, not a failure.
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 NowChapter 7 bankruptcy is the most common form of debt relief filed in Moreno Valley and throughout Southern California. Sometimes called "liquidation" bankruptcy, Chapter 7 eliminates most unsecured debt in approximately three to four months. A court-appointed trustee reviews your financial situation, but the vast majority of Chapter 7 cases filed through our firm are "no-asset" cases, meaning our clients keep everything they own while their qualifying debts are wiped out.
To file Chapter 7, you must pass the means test. If your household income falls below the California median for your family size, you automatically qualify. Even if your income is above the median, you may still qualify after deducting allowable expenses for housing, transportation, and healthcare. Our lawyers run this evaluation for every debtor during the initial free consultation — many people who assume they earn too much are surprised to learn they qualify.
Certain debts cannot be discharged, including most student loans, child support, alimony, and recent back taxes. During your free consultation, our bankruptcy lawyer will review your specific debts and provide clear legal advice about what can be eliminated.
Chapter 13 bankruptcy allows you to reorganize your debts into a manageable repayment plan over three to five years while keeping your home, vehicles, and other property. This is often the right choice for Moreno Valley homeowners facing foreclosure or anyone whose income is too high for Chapter 7.
Under Chapter 13, you make a single monthly payment to a trustee based on your disposable income. The trustee distributes the money to your creditors according to a court-approved plan. At the end of the plan, any remaining qualifying unsecured debt is discharged. California's homestead exemption protects significant home equity, making Chapter 13 a powerful tool for protecting real estate and other assets.
We offer flexible payment plans for Chapter 13 attorney fees, so you can begin your case even without the full fee upfront. Call (909) 915-0181 to schedule a free consultation and learn whether Chapter 13 fits your financial situation.
| 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 | Lower-income individuals wanting a fast fresh start | 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.
The automatic stay is one of the most powerful protections available under bankruptcy law. The moment your petition is filed with the U.S. Bankruptcy Court, Riverside Division, all debt collection must stop — wage garnishment, bank levies, creditor lawsuits, foreclosure sales, and repossession. If a creditor violates the automatic stay, they can face court sanctions. For Moreno Valley residents facing an active garnishment or foreclosure sale date, we can file your petition quickly to stop the collection action as fast as possible.
The Fair Debt Collection Practices Act (FDCPA) is a federal law that protects you from abusive debt collection tactics. Under the Fair Debt Collection Practices Act, debt collectors cannot call before 8 AM or after 9 PM, use threats or harassment, publish your name as a debtor, or make false claims about amounts owed. The Fair Debt Collection Practices Act also prohibits debt collection agencies from contacting your workplace if your employer objects. If debt collectors have violated the Fair Debt Collection Practices Act, you may be entitled to damages up to $1,000 per violation. Our lawyer can evaluate potential fair debt collection claims during your free consultation.
Need immediate relief from debt collection? We can help.
Call (909) 915-0181 — Available 24/7Beyond bankruptcy, the Law Offices of Edgar P. Lombera provides comprehensive legal services to protect Moreno Valley families. Our attorneys handle personal injury cases, including auto accidents, slip-and-fall injuries, and workplace injury claims. If you've been hurt due to someone else's negligence, our personal injury lawyers can help you recover compensation while simultaneously addressing any debt concerns through bankruptcy.
We also assist clients with estate planning — helping you protect your assets and provide for your family's future. Proper estate planning works hand-in-hand with understanding your property rights during and after bankruptcy. Additionally, our firm handles divorce-related financial matters and mediation for clients navigating both bankruptcy and divorce simultaneously, which requires careful negotiation of debtor and creditor rights.
Whether your legal needs involve personal injury, estate planning, debt settlement negotiation, or bankruptcy, our law office provides the legal aid and information you need to make informed decisions about your finances and your future.
Many Moreno Valley residents hesitate to file because they worry about credit damage. The truth is that if you're already carrying unmanageable debt, your credit score is likely suffering from late payments, collection accounts, and high utilization. Bankruptcy in the United States often provides a faster path to credit recovery than years of struggling with debt settlement or minimum payments.
Bankruptcy in the United States is not the end of your financial life — it's the beginning of a new chapter. We provide every client with guidance on rebuilding credit after discharge.
Not sure if bankruptcy is right for you? We'll tell you — for free.
Call (760) 835-9353 — Palm Springs OfficeOur law offices serve bankruptcy clients across Riverside County, San Bernardino County, and the broader Southern California region. Moreno Valley residents file bankruptcy at the U.S. Bankruptcy Court, Riverside Division (3420 Twelfth St, Riverside) — approximately 15 minutes from Moreno Valley. The Riverside County Superior Court — Moreno Valley Courthouse (13800 Heacock St) handles related civil matters.
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. Moreno Valley 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:
I was drowning in medical and credit card debt after losing my warehouse job. Edgar and his team filed my Chapter 7 and within four months, $38,000 in debt was gone. I finally feel like I can breathe again and start saving money for my family.
Moreno Valley, CA
We were about to lose our home to foreclosure. Attorney Lombera filed Chapter 13 and saved our house with a manageable payment plan. The whole team speaks Spanish, which made my wife feel comfortable through the entire process.
Perris, CA
My wages were being garnished and I didn't know what to do. I called Lombera Law and within days of filing, the garnishment stopped. They were compassionate and explained everything clearly. I wish I had called sooner.
Riverside, CA
Edgar P. Lombera founded his law firm with a simple mission: give hardworking families a genuine second chance. Over 15 years, he has helped more than 2,500 families across the Inland Empire eliminate debt, save homes from foreclosure, stop wage garnishment, and rebuild their financial lives. He is a licensed member of the State Bar of California and practices in the Central District of California.
Attorney Lombera understands the stress that comes with financial hardship. He treats every client — every debtor who walks through our doors — with the same respect and personal attention, whether the case involves $10,000 in credit card debt or a complex Chapter 13 with real estate and business considerations. His deep knowledge of bankruptcy law and his commitment to serving Moreno Valley families make him the lawyer you want in your corner.
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.
Our law firm offers flat-fee Chapter 7 bankruptcy filing and flexible payment plans for Chapter 13 cases. Court filing fees are $338 for Chapter 7 and $313 for Chapter 13. We provide free consultations so you understand the full cost — including attorney fees and court fees — before making any decisions. Call (909) 915-0181 for a no-obligation evaluation.
Chapter 7 eliminates most unsecured debt (credit card debt, medical bills, personal loans) in 3-4 months through a liquidation process. Chapter 13 creates a 3-5 year repayment plan that lets you keep your property while repaying a portion of your debts. Chapter 13 is often the better choice for homeowners who want to stop foreclosure and catch up on mortgage payments. Our attorney will recommend the right chapter during your free consultation.
Yes. The automatic stay immediately stops wage garnishment, bank levies, and all debt collection actions. Once your petition is filed, creditors must stop all collection activity. If your garnishment is active now, request an urgent appointment — we can file quickly to stop the garnishment as soon as possible.
Yes. The automatic stay halts foreclosure proceedings. Chapter 13 not only stops foreclosure but also allows you to catch up on missed mortgage payments through your repayment plan while you continue living in your home. California's homestead exemption provides additional protection for your home equity.
Bankruptcy can eliminate credit card debt, medical bills, personal loans, payday loan balances, utility bills, collection accounts, and most unsecured debt. Certain debts survive bankruptcy, including child support, alimony, most student loans, recent back taxes, and debts arising from fraud. Our lawyer will review your specific debts during a free consultation.
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. If a debt collector violates the Fair Debt Collection Practices Act, you may recover damages. Filing bankruptcy provides additional protection by stopping all debt collection through the automatic stay.
Most clients see meaningful credit score improvement within 12-24 months of discharge. By eliminating the delinquent accounts and collection records dragging down your credit, bankruptcy often provides faster credit recovery than continuing to struggle with unmanageable debt. Many former clients purchase vehicles within months and qualify for home loans within 2-3 years.
Moreno Valley residents file at the United States Bankruptcy Court for the Central District of California, Riverside Division (3420 Twelfth St, Riverside). Bankruptcy in the United States is governed by federal law, and our law firm handles all filings electronically for Riverside County residents.
In most cases, yes. California exemptions protect vehicle equity and personal property. Under the California 703 exemptions, you can protect significant vehicle equity. Chapter 13 is especially effective for catching up on car loan payments while keeping your vehicle. Attorney Lombera will analyze your assets during your free consultation.
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
Available 24/7 · 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.
