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Heston & Heston - Riverside

Riverside, CA

Get a free quote from this professional

Get a free quote from this professional


Heston & Heston is a small law firm with our main office located in Irvine and a branch in Riverside that primarily focuses on bankruptcy. We represent individuals and businesses throughout Southern California.
Richard G. Heston and Halli B. Heston have more than 40 years of practice experience and are both Certified Specialists in Bankruptcy Law

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Chapter 7 is the most common form of bankruptcy which allows an individual or married couple quickly discharge their debts, usually within 4 to 6 months. In most cases, careful planning will allow someone to keep their property and not be forced to pay back any creditors.

Although Chapter 7 tends to be the most preferred type of bankruptcy, it is not always the best option and not everyone is eligible to file under this Chapter.

Chapter 13 involves monthly payments over a longer period of time, from 3 to 5 years. Chapter 13 may be your best option if you are trying to avoid foreclosure or repossession by getting caught up on your mortgage or auto payments, strip a second mortgage, or pay back taxes or other non-dischargeable debt. Chapter 13 is also for people whose income is too high to qualify for Chapter 7 or who would lose property in a Chapter 7.

Businesses can file under Chapters 7, 11, and a new form of Chapter 11 bankruptcy created in early-2020 referred to as Sub-chapter V. Chapter 13 may also be available in some cases where an individual is reorganizing business debts. Depending on the size and complexity of your business and whether you intend to continue operating, you may be able to liquidate or reorganize under these chapters.

Some bankruptcies can get much more complex when other parties raise issues and litigation becomes necessary.

This can include prosecuting and defending from the trustee, creditors, the US Trustee, non-dischargeability complaints, objection to discharge, objections to exemptions, and more. These cases require extensive knowledge of bankruptcy law and the overlap between bankruptcy and other areas of the law.