We have 25 years of experience helping people and companies get rid of debt with or without bankruptcy. Stop creditor harassment, protect your assets, and do your estate planning. We also provide legal consultation in business formation, corporate board governance, and labor compliance matters.

Bankruptcy Lawyer

Serving Los Angeles, Orange, Riverside, And San Bernardino Counties

We Listen, We Explain, We Provide Solutions

If you have been sued or if a there is a judgment against you, we offer a one-time free consultation to review all your legal options. The Law Office of Andrew S. Cho has been serving Southern and Northern California for 25 years. Our associates provide personal attention to your case.


Chapter 7, Chapter 13

Credit Report Violations, Debt Collection Violations

Credit Card Debt Settlement

Collection Lawsuit Defense


  • Get a fresh financial start by discharging all your debts.
  • Get rid of credit card debt WITHOUT Bankruptcy: Debt Settlement


  • Protect Assets
  • Avoid Probate Court
  • Avoid Expensive Probate Attorney Fees


  • Collection Defense
  • Creditor Harassment
  • Credit Report Violations

Bankruptcy Stops Creditors in Their Tracks.

Filing Chapter 7 or Chapter 13 can stop:

  • Debt Collectors

  • Lawsuits

  • Garnishments, Bank Levies

  • Foreclosures

  • Repossessions

  • Tax Collectors

  • Creditor Harassment

Bankruptcy Allows You to Maintain Ownership of Your Belongings

In most cases, bankruptcy exemptions allow you to keep all of the following: 

  • Home
  • Car
  • Income
  • Furnishings
  • Retirement

The Fair Debt Collection Practices Act (FDCPA)

Defending against Credit Card collection lawsuits can result in settlement and sometimes dismissal. Since each case is different, get a free one-time professional consultation to know your options.

The Fair Debt Collection Practices Act (FDCPA) entitles you to sue collection agencies that harass you, call you day and night at inconvenient times, call you at work when you asked them to stop, contact family and friends or threaten to file a lawsuit against you.

Common FDCPA Violations:

  • Calling you at inappropriate times
  • Calling you names, using racial slurs or profane language
  • Misleading you about the debt status or the amount you owe
  • Contacting your neighbors or friends
  • Threatening legal action, repossession or wage garnishment that they do not intend to pursue
  • Making threats of violence or harm
  • Repeated or continuous calls for debt collection
  • Implying you have committed a crime by failing to pay a debt
  • Misrepresenting their employer or acting like they work for a government agency
  • You may be able to receive damages up to $1,000 plus actual damages for medical costs and lost wages, and reimbursement for attorney’s and filing fees (the debt collector may pay for all your attorneys fees).

The Fair Credit Reporting Act (FCRA) protects you and your credit report. If your dispute over false, inaccurate or outdated negative information is not resolved, you can sue credit reporting agencies (Experian, Equifax, TransUnion), for not properly investigating your disputes and correcting errors on your reports. You can also sue creditors and debt collectors who report negative information in error.

If you’ve been a victim of improper credit reporting, contact us for a free consultation by emailing or text to (714) 830-8581.

Schedule a Free Consultation Regarding Bankruptcy

Take advantage of 25 years of legal experience. English, Spanish, Korean languages available. We can help you resolve your financial problems with or without Bankruptcy. Find out all options that are available to you. Schedule your free consultation.

Free Bankruptcy Consultation

We Listen, We Explain, We Provide Solutions
Schedule Your Consultation