BANKRUPTCY AND FINANCIAL SERVICES
Janus Law Is Your Legal Partner at Life’s Crossroads
Free Bankruptcy Strategy Session
Contact Us
Contact our San Fernando Valley or Inland Empire office.
Discuss
There is no charge to speak to a Certified Bankruptcy Specialist about your situation.
Your Options
Understand what can be done and start the path to becoming debt-free.
Guiding You Through Financial Challenges to a Fresh Start
In ancient Roman mythology, Janus was the god of beginnings and transitions. He was also seen as a gatekeeper over doors and passageways, overseeing literal and metaphorical passage into new stages of life. Today, the name “Janus” has come to symbolize change and fresh starts.
At Janus Law, we’re passionate about helping clients transition into new phases of life. Through bankruptcy, we are able to eliminate or reorganize your debt, while preserving your assets , all while offering compassionate and knowledge legal support.
Take the first step into your financial future — our legal partners will guide your path.
Six Signs You Need A Bankruptcy Attorney
You realize your wages are being garnished.
You receive a foreclosure notice.
The IRS sends you a notice of intent to levy.
The business you own is falling behind in account payables.
You are served with a lawsuit relating to your debts.
You are no longer able to make the minimum payments on your debt.
What Could You Accomplish If You Weren’t Hampered by Debt?
Many people are intimidated by financial matters. It is all too easy to ignore bank notices and IRS letters, assuming you will get to those problems another day. But over time, debts can snowball and become unmanageable.
We work with thousands of clients in the Los Angeles area just like you; worried about losing their car, having to tell your family you can’t go on vacation this year. According to a 2019 study, 51% of Americans are one emergency away from homelessness – you are not alone.
If you are drowning in debts, we can help you discharge them. But once your debts are cleared, will you still be able to pay your bills?
Our attorneys won’t shove you out the door once we’ve received your retainer; we believe in guiding our clients through bankruptcy proceedings and offering advice that can help them rebuild their finances. We will make recommendations so you never end-up in the same position again. We can be objective in a way people cannot be about their own lives.
California's Debt Is Getting Heavier. You Don't Have to Carry It Alone.
If you're behind on bills, dodging calls from collectors, or watching your wages disappear before they hit your bank account — you already know something has to change. The question isn't whether to act. It's how.
At Janus Law, we've helped thousands of people in the San Fernando Valley and Inland Empire stop the bleeding, protect what matters, and start over with a clear financial picture. We can help you do the same.
Call Mission Hills: (747) 269-0108 | Call Riverside: (951) 618-4824
Free bankruptcy strategy session. No charge to speak with a Certified Specialist.
What We Do — and Who We Do It For
We're a bankruptcy law firm. That means we spend every day helping people like you navigate one of the most stressful legal processes there is — and come out the other side with their lives intact.
Most of our clients are regular people who hit a wall: a job loss, a medical emergency, a business that didn't make it, or debt that just quietly compounded until it became unmanageable. They're not irresponsible. They're overwhelmed. And they deserve real legal help, not a form on a website.
Chapter 7 Bankruptcy — Wipe Out Debt Fast
Chapter 7 is the most common form of consumer bankruptcy. For most people who qualify, it discharges unsecured debts — credit cards, medical bills, personal loans — in 90 to 120 days.
Chapter 13 Bankruptcy — Reorganize, Keep What You Own
If you have regular income and want to protect assets like your home, Chapter 13 lets you catch up on arrears and pay back debt on a 3–5 year plan, often at a fraction of the total owed.
Bankruptcy Litigation — When Things Get Complicated
Not every bankruptcy goes smoothly. If a creditor is contesting your discharge, or you're facing an adversary proceeding, you need experienced bankruptcy litigators in your corner.
Bankruptcy isn’t a dirty word – it’s a tool you can use to get your financial life back on track.
Why People Choose Janus Law
You'll Always Speak to a Licensed Attorney
We don't use paralegals to handle client consultations or strategy sessions. When you call us, you talk to an attorney. When you come to our office, you meet with an attorney. That's not standard practice in this industry — but it's our standard.
Our Lead Attorney Is a Certified Bankruptcy Specialist
Larry D. Simons holds the Certified Specialist in Bankruptcy Law credential from the State Bar of California — a designation held by fewer than 200 attorneys in the entire state. He's been certified since 2004. This isn't marketing. It's a credential that requires demonstrated expertise, peer evaluation, and ongoing recertification.
Our Attorney Also Serves as a Chapter 7 Trustee
Larry Simons sits on the private panel of Chapter 7 trustees for the Central District of California, Riverside Division. That means he's on both sides of the courtroom. He knows exactly how trustees evaluate cases — because he is one. That insider perspective is something you can't hire elsewhere.
Two Offices to Serve Southern California
We have offices in Mission Hills (Los Angeles) and Riverside, CA — giving us deep coverage across the San Fernando Valley and the Inland Empire.
- Mission Hills / SFV: 15545 Devonshire St, Ste 110, Mission Hills, CA 91345 | (747) 269-0108
- Riverside / IE: Riverside, CA | (951) 618-4824
Do Any of These Sound Familiar?
You may be ready to talk to a bankruptcy attorney if:
- Your wages are being garnished and you don't know how to stop it
- You received a foreclosure notice on your home
- The IRS has sent a notice of intent to levy
- You can't make minimum payments on your credit cards or loans
- A creditor has served you with a lawsuit
- Your business is behind on payables with no path forward
If any of these apply, don't wait. The sooner you get legal advice, the more options you have. Many of the tools bankruptcy provides — like the automatic stay — work better when used early, not as a last resort.
Bankruptcy Isn't the End. It's a Legal Tool.
The word "bankruptcy" carries a lot of weight. It shouldn't. It's a legal process designed specifically to give people and businesses a way out of unmanageable debt — and a real path forward.
We've worked with thousands of clients across Southern California who felt exactly where you might feel right now: stuck, embarrassed, unsure of their options. Most of them walked away from the process with their core assets protected, their debt gone, and a plan to rebuild.
The only thing that doesn't work is waiting.
Talk to A Los Angeles Based Bankruptcy Attorney Right Now
You don’t have to drive into the city to get top-notch legal representation. Our award-winning attorneys, Larry D. Simons and Frank X. Ruggier, have over 45 years of experience between them and are Certified Specialists in bankruptcy law. When you speak with our office, you’ll know exactly who you’re talking to; we are a small team that seeks to form relationships with all our clients.
We have two offices: Mission Hills and Riverside. Any legal advice you receive is coming from a practicing lawyer – we do not use paralegals.
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Schedule Your Free Bankruptcy Strategy Session
There's no charge to speak with a Certified Bankruptcy Specialist about your situation. We'll walk through your debts, your assets, and your options — and give you an honest assessment of what bankruptcy can and can't do for you.
Call Mission Hills: (747) 269-0108
Call Riverside: (951) 618-4824
Janus Law serves clients across the San Fernando Valley, Greater Los Angeles, and the Inland Empire, including Mission Hills, Northridge, Chatsworth, Granada Hills, Sylmar, Van Nuys, Burbank, Riverside, San Bernardino, and surrounding communities.