Practice/Organization Description
Certified Bankruptcy Specialist - State Bar of California Board of Legal Specialization.
A law practice concentrating on the needs of the consumer and small businesses in the course of bankruptcy, insolvency and start up representation. Bankruptcy clients are counseled on issues arising from the falling value of properties so that they may effectively remove from title undersecured liens against their personal residences and income properties. Chapter 13 cases are managed in the same manner as otherwise found only in corporate reorganizations. As a 24 year seasoned attorney with experience as a law clerk to Bankruptcy Judges, and having practiced law at larger firms in Los Angeles, Century City (California) and San Francisco, as well as representing Wall Street dealer/brokers in the trading of distressed debt, clients to have access to experience and expertise beyond compare in small practice.
Small business, both those in bankruptcy, those emerging from bankruptcy, or just start ups, are counseled on "How Not to Fail," rather than on how to succeed. Individuals, likewise, are counseled on how to move on! Clients are guided by how they got to where they are and the need to set priorities on where they want to go.
Clients are further counseled on the need to observe historical events and how past economic trends will impact them. Passage of the 2005 Bankruptcy Amendments (BAPCPA) are an integral part of the representation, of course, as it is the current state of the law. So too, however, the failure of Congress to pass amendments to allow bankruptcy judges to modify home loan terms and conditions and how to use alternative methods to achieve similar result are made a part of the practice. Loan documents and documentation are reviewed for issues arising from TILA, RESPA, FCRA, and FDCPA. California mortgage and deed of trust and foreclosure litigation practice is a cornerstone of what clients will hear about in the course of consultations. Esbin is an author of the CEB Mortgage, Deed of Trust, and Foreclosure Litigation Guide (4th Ed. 2009). To the extent possible, no stone is left unturned.
Reality, however, is as important as legal consultation. Clients are faced with the harsh reality that their personal residences may be unaffordable based upon current payments as compared to current annualized monthly income. If one considers that a game of musical chairs has been played for the last 30 years, the music has stopped, and some people have a chair and some don't. Clients need to decide if they can afford to stay in their chair - their home.
At the Law Offices of Louis J. Esbin we strive to provide the highest level of consumer and small business administration in an environment of ever changing economics and legislation. Visit www.louisesbin.com
Bar Admissions
State Bar of California (1985)
California Board of Legal Specialization - Certified Bankruptcy Specialist (2008)
State of Connecticut (1997)
