Gutierrez & Associates represents consumer debtors in both Chapter 7 and Chapter 13 bankruptcies. In Chapter 7, we help debtors obtain a fresh start by eliminating their unsecured debt, such as credit cards and medical bills.

We also represent homeowners who own distressed real estate in all phases of the real estate workout and foreclosure process. We are experienced in handling forbearance agreements, loan modifications, principal reductions, deed-in-lieu of foreclosure transactions, mortgage foreclosures and sales of real estate property.