We are taking the necessary measures to prevent the spread of COVID-19 by limiting exposure to our staff and clients. Our phone line is opened for calls. We are working with our current and new clients using Zoom. If you have any questions, please Call (310) 851-8072 and we will call you back within 48 hours between 9:00 am and 12:00 p.m. If this is an emergency please contact Jenny@cerobalance.com. Thank you for your understanding and stay safe.
Our Services
Our Clients' Testimonies
Because each case is different, please give our office a call and speak to one of our representatives for further information.
Our attorneys and staff will assist you with your individualized case. 
  • Debt is liquidated


  • Duration: 4-6 months 


  • Can file every 8 years


  • Ideal for individuals with: 

               Personal/medical bills

               Have few assets

               Have mostly unsecured debt


  • Pros: Debtors can get rid of debt quickly and have a new financial start wihtin 4-6 months.


  • Cons: Trustee can sell non-exempt propteries to pay off debts. Record of Bankruptcy stays for 10 years on Credit Reports.
  • A new repayment plan to pay off debt


  • Duration: 3-5 years


  • Ideal for individuals who:

               Want to keep home & other assets

               Have disposable income post monthly expenses

               Have unexemptable assets (second home)


  • Pros: Debtors can keep properties and catch up on late payments.


  • Cons: Monthly payments for fixed amount to trustee for up to 5 years to pay off debt.