Our Services

Our Services

We Listen / We Explain / We Provide Solutions

If a creditor has obtained a judgment against you, it’s only natural for you to have urgent questions. For example, you might wonder: How can I afford to pay this? What happens if I simply can’t pay? Can I get rid of this judgment by filing bankruptcy? What if they bring the judgment against my property? If that’s the case, try not to worry. Because if this sounds remotely familiar, rest assured, there are answers to be had! The Law Offices of Andrew S. Cho has been serving the Anaheim area for 20 years and counting. Our professionals are here for you and your family when you need answers from someone who knows the law in all its intricacies and complexities. 

So what’s the difference between Chapter 7 and Chapter 13? The difference, in short, is that Chapter 7 is a quick procedure that allows you to maintain ownership of your assets and get a fresh start in the process. Chapter 7 also allows you to eliminate all or most of your unsecured debt, whereas Chapter 13 often lasts from three to five years. Additionally, Chapter 13 is for people who earn too much for Chapter 7 or require more time to cure late mortgage payments. 

Our Legal Areas of Expertise Include:


  • 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
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