Experienced Bankruptcy Attorney Ventura CA

Ventura Bankruptcy Attorney Eric Ridley

Ventura Bankruptcy Attorney

Ventura Bankruptcy Attorney

Retain a Bankruptcy Attorney in  Ventura, CA to:

  • Stop Harassing Creditor Phone Calls
  • Stop Creditor Lawsuits - Cold
  • Stop Foreclosure
  • Stop Wage Garnishment
  • Eliminate most of your debt

Without shame. Without guilt. Without permanently ruining your credit score.

I will partner with you to get rid of your debt and the creditors who are threatening you.

With my unique six-step bankruptcy and credit rebuilding roadmap, we will get you back on track, rebuild your credit, and be with you while you build a new brighter financial future.

Affordable Oxnard Bankruptcy Attorney

I serve bankruptcy clients everywhere in Ventura, CA  I'm not a bankruptcy lawyer based in the San Fernando Valley or Los Angeles, seeking to serve Ventura County.  My main court is the Northern Division of the Central District of California. The Northern Division serves residents of Ventura County (including the city of Ventura) and parts north, all the way up to San Luis Obispo. 

I am a local attorney and I am experienced with our court. I grew up in Ventura, I live in Ventura County, and my main office is within a ten minute drive of anywhere in Ventura.

Hiring local counsel matters. Call me and learn why so many others have opted to hire me to represent them to help with their financial problems.

I am deeply committed to Ventura, and have been a part of life here since 1967 (I was frighteningly young then). I graduated from Ventura High School (class of '78). I know the Ventura area as well as anyone.

I Know the Ventura Economy

From the Point, to Hollywood Beach, from Ondulando to the Avenue, I serve Ventura.  I understand Ventura. I know the city's largest employers, including Patagonia and Community Memorial Hospital.  I know the smaller employers and family businesses. Many of them are my clients.

Ventura is a vibrant and entrepreneurial city, which I have known and loved for my entire life.

Bankruptcy Attorney Ventura CA

Are you tired of struggling to pay your bills? Does the amount you owe seem to grow and grow out of control? Are you ready to get your life back and put an end to your problems with debt? Come to affordable Ventura bankruptcy attorney Eric Ridley for help.

I am a bankruptcy attorney in Ventura, CA, and I serve clients get debt relief throughout Ventura County. I make it my mission to help my clients pursue relief from their debts and to make a fresh start financially, and I am ready to help you.

  • Free initial consultations.

  • Available 24 hours a day, 7 days a week.

  • Passionate service, personal help, practical solutions.

  • Thorough communication with our clients.

Some of the ways filing a bankruptcy petition can help you:

  • Immediately stopping any foreclosure actions
  • Preventing the repossession of your vehicle
  • Ending or preventing wage garnishment
  • Restoring your utility service
  • Preventing your utilities from being turned off
  • Ending creditor harassment (phone calls, letters and emails)

If you are in Ventura, CA, and are heavily in debt and facing creditor lawsuits, home foreclosure or face repossession of your vehicle, bankruptcy could be a viable option that might bring you tremendous relief.

You should also consider a bankruptcy attorney if you are living paycheck to paycheck, using your credit cards to meet basic living expenses or borrowing money from family and friends to pay your bills. For businesses that are struggling financially, bankruptcy might also be an appropriate option.

I offer free initial bankruptcy consultations to people in considering bankruptcy in Ventura who are ready to take action towards declaring bankruptcy or fighting foreclosure. I invite you to contact me at my office at any time, 24/7 so I can provide your free consultation. We will discuss my services, the bankruptcy process, how to protect your rights in bankruptcy. I promise I'm friendlier than any other local law firm or bankruptcy lawyer in Ventura, Oxnard, Santa Barbara, Simi Valley - or anywhere in the 805, for that matter!

My years of experience with the bankruptcy court will let me answer your questions about privacy, terms, cases, bankruptcy law, and any other questions you have today. I understand if you want to ask questions online as well, and will answer them!

How long is my credit destroyed after bankruptcy?

Most of my clients have two critical needs. The first one is to get creditors off their back and get rid of constant harassment and calls, which is doable through filing for bankruptcy. 

The second need is one other bankruptcy lawyers don't address; it's how to deal with and rebuild your credit and your credit score after filing for bankruptcy.

Although filing for bankruptcy will end the harassing calls, my assistance will help you rebuild your credit in record time.

I am honored to be able to offer this outstanding service to my clients and make sure they get what they need throughout the bankruptcy process as well as after the process is completed.

Get Started Today with a Free Consultation!

Click below to request your free, phone or Zoom consultation.

I have an exclusive relationship with www.720creditscore.com. As part of our partnering with you to become debt-free, you will receive this incredible and innovative credit rebuilding program absolutely free of charge. 

The 720creditscore.com program walks you through every step in a way that makes sense, so you won't get overwhelmed.

6 months after bankruptcy you'll have a credit score in the 700s. If you're in the 400s after bankruptcy, you'll be in the 700s in about a year. This program optimizes your credit in a way where you'll be on your way to financial freedom.


Why am I different from other bankruptcy attorneys?

I've worked with clients concerned about how their lives will get back on track after they file for bankruptcy. I have listened to their worries and, during my research, discovered that you can build your credit score quickly if you start rebuilding your credit after bankruptcy immediately.

My clients have fallen victim to credit repair scams, but when you work with me as your bankruptcy attorney, I will set you on a direct path to success. By using 720creditscore.com, we will ensure that your future is set up for success. Virtually 100% of clients reach a 720 credit score within the first 24 months after beginning the program - and the best part is, the whole program is free!

This incredible credit rebuilding program helps you rebuild your credit after bankruptcy and is what sets me apart from other bankruptcy attorneys in Ventura. This program can help set your mind at ease and ensure that if you choose to file for bankruptcy, you are given the tools necessary to help reestablish your credit and financial freedom.

By working with me you can get your credit score up without worrying about your creditors and collectors. I am proud to be able to offer outstanding client services and years of dedication to maintaining the security of your investments and financial stability. You deserve the best representation, and that's what I'm here to give you.



Ventura Bankruptcy Attorney

Bankruptcy Attorney in Ventura, CA


Why Should I Hire a Bankruptcy Attorney in Ventura, CA?

So what’s good about filing for bankruptcy in Ventura, CA? You’ll lose everything you own, right? Wrong.

Bankruptcy is a second chance designed to help you with debts you simply cannot pay. Hiring a bankruptcy attorney in Ventura CA is logical if: you lost your job, you lost your health insurance and became ill, you’ve fallen into debt with credit card companies, or if you fear you’ll lose everything you own because of debts.

There are many other reasons for filing, but let’s go over 5 big benefits of hiring bankruptcy attorneys in Vanture, California. 

1-Lose Your Debt by Filing for Chapter 7 or Chapter 13 Bankruptcy in Ventura California In Chapter 7 bankruptcy, you lose all unsecured debts. With Chapter 13 bankruptcy, you buy yourself a lot of time to pay back the debts. The good news is bankruptcy attorneys in California with the right experience know the ins and outs of filing for both Chapter 7 and Chapter 13 bankruptcy. You can get counsel on which chapter of bankruptcy is best for you, how to save the most money, and how to eliminate the most debt. 

2-No More Harassment One big problem those in debt have is harassing phone calls from your creditors. 

It’s harassment in many ways. Technically, creditors can still call you after you file bankruptcy, but hiring bankruptcy attorneys in Ventura, CA or anywhere else in Ventura County makes it possible for you to tell the creditors to call your attorney.

Your attorney can handle the problem for you, and you can be free of the headaches. 

3-No More Fear and Uncertainty with Bankruptcy Attorney's Help If you don’t know how to file,the advantages of filing, and how you will pay, a bankruptcy attorney in Ventura, CA can help with the fear and uncertainty. You can know from day 1 what will happen with your finances. Yes, most bankruptcy hearings are short and to the point, but there is a lot of detail that goes on outside the courtroom and in paperwork. You need a professional to help.

4-The Price is Right Of course, hiring bankruptcy attorneys in California isn’t free, but the right attorney will work with you on payments (I know I will).

Some bankruptcy filings allow for the attorney to be paid through the settlement as well. In either case, it’s much cheaper to hire the right attorney the first time instead of doing it yourself which would be more costly.

5-No Mistakes with Help from a Bankruptcy Attorney in Ventura 

Finally, Chapter 7 or Chapter 13 bankruptcy in Ventura can be complicated. You need to know which to file, how to handle certain creditors, how to pay back debt, and how to handle a myriad of other things.

The final benefit in hiring professional bankruptcy attorneys is that you can be assured of no mistakes.


Serving Ventura, Camarillo, and Port Hueneme, CA

Your debts are resolved through the bankruptcy process from an affordable bankruptcy attorney, allowing you to emerge with a clean slate and the “Fresh Start.” Depending on your circumstances, declaring bankruptcy with a bankruptcy attorney Ventura can:

  • Help you keep your house
  • Prevent repossession of a car
  • Protect your assets from collectors
  • Strip off second mortgages (“lien stripping”), a very powerful tool!
  • Help you downsize and reorganize businesses that you own
  • Instigate restructuring of loans and leases
  • Stop lawsuits before they result in expensive litigation fees

If you are facing legal action and need a bankruptcy attorney ventura ca for issues such as repossession or foreclosure, contact me immediately, even if you are in the process of completing a loan modification or forbearance.

Don’t wait until your property is seized before you seek legal representation from a ventura bankruptcy attorney, or the law may not allow you to reclaim your assets even after you file for bankruptcy. I am a personal bankruptcy attorney.

I am a bankruptcy attorney near me: Every client is unique to me: if bankruptcy isn’t your best option, I will tell you, and work with you to find a better solution.

I promise you an honest and direct appraisal of your situation so that you can make the best decision for yourself. You will know your bankruptcy lawyer cost, and your bankruptcy lawyer fees, before we ever begin.


If you're looking for an affordable bankruptcy attorney near me, and you need a ventura bankruptcy lawyer, please call me now. I'm friendly, I want to listen to you, and we will come up with a solution for your debt problem right on the phone.

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