Are you tired of living paycheck to paycheck? Would you like to regain control of your finances and find happiness in your life once more? Then Rosie Barmakszian is the experienced bankruptcy attorney for YOU!

You are not alone! Millions of Americans struggle with debt related hardships whether it be from the loss of a job, unpaid medical bills, or overwhelming debt. If you are experiencing any of the following, Rosie Barmakszian is the bankruptcy lawyer for you.

  • Lawsuit against you
  • Reversed/stopped wage garnishment
  • Reversed/stopped bank levy
  • Car reposition
  • Received notice to vacate your home/apartment
  • Foreclosure
  • Excessive credit card debt
  • Large medical bills
  • IRS, State & County tax debts

Congratulations on taking the first step toward financial freedom. By coming to Barm Law for bankruptcy options, you are on your way to a fresh start. We stand by our clients every step of the way, providing them with personalized attention in order to make the debt relief process quick and simple.

Facing Foreclosure?

If you are struggling to pay your mortgage every month, a Chapter 13 bankruptcy may be the relief you are searching for.

A Chapter 13 bankruptcy can:

  • Immediately stop foreclosing proceedings
  • Allow you to resume back to your normal mortgage payment
  • Allow you to pay off all of your mortgage areas during the bankruptcy case
  • Allow you to get rid of your second mortgage if your house has insufficient equity
  • Modify your mortgage if you are able to negotiate an agreement with your mortgage lender during your bankruptcy case

Chapter 13 plan payment factors:

  • Gross household income: you, your spouse and any dependents (if any)
  • Total mortgage areas: includes all unpaid property tax and insurance
  • Amount of cars driven by members of the household
  • Large or uncommon household expenses

A Chapter 13 bankruptcy is not for everyone! If you are ready to start the filing process, we advise you to seek professional legal advice from our Burbank law office.

Barm Law is here to help you seek financial freedom. Follow our 5-Step approach to bankruptcy in order to regain control of your life and financial status.

5-Step Bankruptcy Approach

1. Obtain Your Financial Information

At Barm Law we take the time to meet with you and discuss all preliminary information to see which bankruptcy option best fits your needs.

2. Chapter 7 vs. Chapter 13

Once it has been determined that bankruptcy is your key path to financial freedom, then the next step is to decide if a Chapter 7 (liquidation) or Chapter 13 (reorganization) is the most beneficial for you.

Chapter 7: Discharge most of your debts upon demonstrating to the court that you lack the means to repay your creditors. (Reversing levies, wage garnishments, discharging tax debts, etc.)

Chapter 13: Retain possession of some of your assets, including your home once the court approves your reorganization plan. A reorganization plan involves a monthly payment plan based on your net disposable household income, which repays a portion of your debts over a 3-5 year span.

3. Obtain a Credit Report

A credit report must be obtained in order to affirm to your creditors that your information is accurate and complete.

4. Prepare and File All Court Documents

We will thoroughly and efficiently prepare and file your bankruptcy petition with the court according to your place of residence within the last six months. We will also prepare and send your financial information to the bankruptcy trustee in order for the court to grant you a discharge.

5. Attend a Meeting of Creditors

Within 4-8 of filing your bankruptcy petition, you will be require to personally attend a “meeting of creditors.” While under oath, the bankruptcy trustee will ask you questions and your creditors have a chance to object. As your attorney I will be there by your side to fight with you and for you.

A Chapter 7 process can be completed in up to two to four months.

A Chapter 13 will give you a discharge once a 3-5 year plan has been arranged.

**Warning – Fair use disclaimer: The above is an approximation of what your Chapter 13 plan payment could be. The above calculus is based on only the most common few of many factors that will determine your actual plan payment. Do not rely upon the above in making the decision whether to file bankruptcy or any other significant financial decision until you have consulted an attorney first.**

For more information on filing bankruptcy, please call us at 1 (833) BARM-LAW or 1 (833) 227-6529 or email us by filling out our online form and a representative from Barm Law will return your call within 24 hours.



    Ask An Expert


    “We have worked with Barm Law for the past 5 years. As we have grown and evolved, what I have valued most about our relationship is that Barm Law know us and our business.”

    Hamlet Torossian, PC Repair Glendale

    Rosie is by far the best lawyer I’ve ever gotten to work with.   I was hit in a head on collision in December when I found Rosie to represent me.  She has saved me SO much time and money already,  I could not be more thankful for meeting her.  Her response time to texts, emails, & calls is immediate almost every time…even when she was on vacation.   On top of all that she is a truly great person who legitimately cares about you, and makes sure you know it.  I have already recommended her to all my friends…and would recommend her to anyone else as well.  Great lawyer! Great company!   Had to write a review:)

    A friend recommended me to Barmlaw after my car accident  Rosie lead Esq and her staff were all fantastic.They were extremely knowledgeable about each step of the process, making sure I understood and felt comfortable with the process,my case was settled with other insurance co. beyond my expectation .
    Thank you!!!!!!!!!!!!!!!

    LEGARD P., Burbank, CA

    Rosie is so helpful and very professional! She understood exactly what I was going through and the stress I endured because of it. She reassured me everything would be just fine. I am a worry-wart naturally but found the process with her so much less stressful than I anticipated. Rosie promptly got back to any questions I had and told me everything I needed to know. I couldn’t ask for more! I am very happy that I chose her at such a difficult time. If I had to do it all over again I’d still go with her. She is very organized and informative as well as nice. Thank You Rosie, I couldn’t appreciate her help more!!

    J M, Burbank, CA

    Rosie Barmakszian is a true professional who truly cares about her client and gets things done.  She takes the time to truly understand your situation and then works tirelessly to get done what needs to be done.  She did a wonderful job of taking all of my information, organizing all of my documents, and then did a terrific job with my formal petition. She let’s you know what’s going to happen every step of the way.  She is also very affordable and this is key for those with financial distress.  My legal issues went very smoothly thanks to Rosie.  I would highly recommend her.

    Jonathan W., Los Angeles, CA


    We will be there for you every step of the way.