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Reyes & Luna Law’s bankruptcy practice focuses on the areas of consumer and business Bankruptcy, representing both creditors and debtors. 

Reyes & Luna Law’s representation of creditors includes but is not limited to: filing of proofs of claim, priority disputes with other creditors and liquidating collateral.  Whether you are seeking to collect from an individual or business that has filed for Bankruptcy, let us help you protect your rights.

If you find yourself struggling to pay your debts, whether they are your personal debts or those of your business, and your telephone is ringing off the hook from calls from creditors, Reyes & Luna Law can help.  Before you file for Bankruptcy you need to understand the process in order to determine what the best option for you is.  The attorneys at Reyes & Luna Law have extensive experience that will help you make informed decisions and assist you through each step of the process.


Chapter 7 Bankruptcy (individuals and companies)

Chapter 11 Bankruptcy (individuals and companies)

Chapter 12 Bankruptcy (farmers and fishermen)

Chapter 13 Bankruptcy (only individuals)




 Chapter 7 Bankruptcy is usually the type of Bankruptcy that comes to peoples’ minds when someone uses the term “filing Bankruptcy.”  In a Chapter 7 Bankruptcy, you are able to retain your exempt assets, while eliminating your debt through a Bankruptcy discharge.  But in order to come out on the other side of Bankruptcy with your home, car, or other important assets, you need the right attorneys on your side.  

If you have credit card debt, medical bills, or are facing a deficiency judgment following a foreclosure action, then filing for Chapter 7 Bankruptcy may be the right option for you.  Don’t wait another day.  Call us and let the experienced attorneys at Reyes & Luna Law help you get the fresh start you deserve by getting rid of unwanted debt while protecting your assets.



Both individuals and businesses can file for Chapter 11 Bankruptcy in order to restructure debt through a reorganization plan or liquidation of assets.  For individuals who are overwhelmed with debt but have significant assets and income, Chapter 11 may be the right option.  Similarly, for businesses, Chapter 11 is a very important option because it can allow the company to continue its normal business operations under the supervision of the Bankruptcy court while at the same time renegotiating better terms with its creditors.  Used correctly, Chapter 11 provides individuals and companies the time they need to recover from their bad economic position.



Chapter 12 Bankruptcy is specifically designed to meet the needs of family farmers and fishermen.  Chapter 12 takes the best aspects of other chapters that suit the needs of farmers and fishermen. This Chapter can help farmers and fishermen reorganize, recover and repay some portion of their debt while retaining and restoring their business. Bankruptcy relief under Chapter 12 is available to individuals, individuals, and spouses, partnerships or corporations that are engaged in farming or commercial fishing operations.



Individuals with regular income are eligible to file for Chapter 13 Bankruptcy protection.  Unlike Chapter 7, Chapter 13 does not outright eliminate your debt; instead, Chapter 13 allows you to restructure your debt and create a repayment plan that best suits your situation. 

Your situation is unique, let the attorneys at Reyes & Luna Law evaluate your situation and come up with a strategy that best suits your particular situation.  Choosing a Chapter 13 over a Chapter 7 can mean that you are allowed to keep assets which would otherwise be outside of your reach in a Chapter 7.

Let Reyes & Luna Law evaluate your situation and guide you to make the correct decision for you and your family.

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