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Aaron Michael Lloyd

Aaron Michael Lloyd

  • Bankruptcy
  • California
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Summary

Lloyd Legal is a premier Southern California Chapter 7 and Chapter 13 Bankruptcy Law Firm founded by Attorney Aaron Lloyd. Prior to practicing law, Mr. Lloyd attended the University of Oregon (UO) with a Bachelor of Science. He earned dual degrees in Economics and General Science, and minored in Chemistry.

Following undergrad, Mr. Lloyd went on to work for Thomson Reuters as a Senior Tax Analyst. Mr. Lloyd later attended California Western School of Law where he developed a strong passion for bankruptcy law. During law school, Mr. Lloyd gained valuable bankruptcy experience interning for various bankruptcy law firms. After earning his Juris Doctorate Degree, Mr. Lloyd founded Lloyd Legal where he oversees all aspects of Chapter 7 and Chapter 13 Bankruptcy from client intake to planning for life after bankruptcy.

Mr. Lloyd focuses exclusively on Bankruptcy Law. His Bankruptcy Law Firm concentrates on Chapter 7 and Chapter 13 Bankruptcy. Mr. Lloyd owns and manages one of Southern California’s premier client-focused Bankruptcy Law Firms. Because Mr. Lloyd believes in client satisfaction, he believes in making the bankruptcy process as smooth as possible. Consequently, he will make house calls and he will work with clients on creating affordable payment plans. Mr. Lloyd believes in his clients, as a result his clients believe in him.

In addition, Mr. Lloyd is on the forefront of bankruptcy law. For example, he regularly attends bankruptcy training seminars, bankruptcy speaking engagements, and bankruptcy panel discussions presented by local bankruptcy Trustees and Judges. Because Mr. Lloyd is regularly involved in the local bankruptcy community, he is highly skilled and experienced in bankruptcy law, and knows the necessary paperwork and documentation required to be successful in a Chapter 7 and Chapter 13 Bankruptcy.

Practice Area
  • Bankruptcy
Fees
  • Free Consultation
Jurisdictions Admitted to Practice
California
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Federal Circuit
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Languages
  • English: Spoken, Written
Professional Experience
Internship - Associate
Law Office of Gary Sehnert
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Education
California Western School of Law
J.D. (2012) | Bankruptcy Law
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California Western School of Law Logo
Awards
Top Contributor Award 2018
Avvo
Awarded for regularly answering consumer bankruptcy questions.
Professional Associations
National Association of Consumer Bankruptcy Attorneys
Member
- Current
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California Bankruptcy Forum
Member
- Current
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Orange County Bar Association
Member
- Current
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San Diego County Bar Association
Member
- Current
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Publications
Articles & Publications
Chapter 7 Bankruptcy
Lawyer.com
Speaking Engagements
Reopening a Bankruptcy Case, Bankruptcy, San Diego, CA
Small Firm Lawyer's Club
Procedure of re-opening a bankruptcy case and why a practitioner would want to re-open a former client's bankruptcy case. Other issues faced when re-opening a bankruptcy case.
Certifications
State Bar License to Practice Law
California State Bar
Websites & Blogs
Website
Lloyd Legal, APC
Blog
CAN I KEEP MY CAR IN BANKRUPTCY
Legal Answers
12 Questions Answered

Q. Can you advise me with a senior bankruptcy issue?
A: Hello, Bankruptcy could be a good choice. You also want to look at your annual income and property you own. If you do not own a house and make little income then a Chapter 7 Bankruptcy may be a good move for you. Chapter 7 Bankruptcy erases most of your debt in about 3-4 months. It is always best to schedule a phone consultation or office appointment so you can discuss further and get a better feel for how bankruptcy works. I hope that was helpful. Thank you, Aaron
Q. I have some bad financial problems, I think. I am considering bankruptcy.
A: If you are drowning in debt and you have 7 credit accounts getting worse everyday then I would suggest looking into your bankruptcy options. Bankruptcy wipes out most debt and a lot of times bankruptcy allows the person to keep everything they own. Life after bankruptcy is possible and many people establish good credit within a year after filing. I recommend you consult with a bankruptcy attorney asap as I think it may be a good move for you.
Q. I have a card debt with $35,000 used with me and my boyfriend. he didn't have a social so I let him use and pay me back
A: I suggest you look into your bankruptcy options. Bankruptcy wipes out most debt including credit card debt and other high interest unsecured debt. Bankruptcy awards the debtor a fresh start and a second chance to rebuild credit and financial wealth. Bankruptcy provides great relief for those honest but unfortunate debtors who are financially unable to payback their debts. Many bankruptcy attorneys offer free consultations. Take us up on it and receive some free advice.
Q. Can my filing Chapter 7 by myself have creditors come after my husband after its done?
A: Let me answer below: 1. There is no specific time period that I am aware of for you to be living separate and apart from your husband to claim on the bankruptcy papers that you are actually living separate. 2. The trustee could re-open the case if he or she suspects there is any kind of debtor fraud. Whether it is not disclosing community property assets or not disclosing household income or not being truthful about living separate. One of the most important things for a debtor in bankruptcy is to be honest and forthright with all the information on the bankruptcy papers. It is in your best interest to hire an experienced bankruptcy attorney to help you get through the process. Many bankruptcy lawyers offer free consultations, take us up on it. I hope this helps and best of luck. Aaron
Q. I am currently in school, with a student loan that I have deferred payment on until after I graduate in 2020.
A: I have not had a school drop someone because they filed bankruptcy, at least with my prior clients. Bankruptcy would wipe out your unsecured debts, however, as you may know most tax debt and student loans are not and you would still pay those back. You may be able to do a chapter 7 bankruptcy and receive your discharge of debts in 3-4 months from filing. You should consult with a bankruptcy lawyer to determine if chapter 7 bankruptcy is the right fit for you. I hope this helps and best of luck. Thank you, Aaron
Q. Chap 7. Wife not filing. Joint Citi checking w $5600 on line of credit. It's current. Can Citi offset if stays current?
A: Maybe if it was a credit union. Many credit unions have voluntary security interests written in their credit card agreements that attach the credit account to one of their deposit accounts such as a checking or savings account. This tends to be more of a credit union thing and not so much with bank like Chase or Citi, so you would probably be ok there. However, you should always have a bankruptcy attorney review the credit account contracts or agreements you signed off on as this would be a contract issue. You also mentioned you want to keep your wife's credit strong since she is not filing bankruptcy. To do this, you would want to take her off any joint credit accounts she is on with you including any authorized user accounts. Bankruptcy is a powerful tool and can be used to wipe out lots of debt. However, bankruptcy can get complex quickly and bankruptcy can have hidden red flags if one does not know the bankruptcy laws. I suggest you consult with a bankruptcy attorney so you know your options. Many of us offer free consultations.
Q. Do I need to file for bankruptcy? I can not afford to pay my monthly payments to SOME of my creditors for NOW.
A: Maybe. What is your annual income? Are you married? Do you own a house or rent? We would want to know the answers to these questions and some others to better tell you if bankruptcy is the right choice. There is a chapter 7 bankruptcy option available for some qualified individuals who can discharge or erase most of their debt within about 3 months. I think you would want to schedule a phone consultation with a bankruptcy attorney. Most of us offer free consultations.
Q. What information do you require on a free consultation on bankruptcy? I need assistance asap.
A: Hello, Generally, you would want to gather your most recently filed tax return, 6 months of paystubs if applicable, and complete a credit counseling course that usually takes about 1 hour. If you would like to discuss more and how the process works I suggest scheduling a consultation with a bankruptcy attorney. I hope this helps. Thank you, Aaron
Q. Any help for chapter 13
A: Contact a local bankruptcy attorney that is licensed to practice law in your state.
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Contact & Map
Lloyd Legal, APC
601. S Figueroa Street, #4050
Los Angeles, CA 90017
USA
Telephone: (833) 252-4348
Lloyd Legal, APC
15437 Anacapa Rd.
Victorville, CA 92392
USA
Telephone: (909) 854-4958
Lloyd Legal, APC
1255 W. Colton Ave, Suite 515
Redlands, CA 92374
USA
Telephone: (909) 854-4958
Lloyd Legal, APC
204 E 4th Street, Suite J
Santa Ana, CA 92701
USA
Telephone: (949) 544-9355
Lloyd Legal, APC
444 West C St., Suite 230
San Diego, CA 92101
USA
Toll-Free: (949) 544-9355
Telephone: (949) 544-9355
Lloyd Legal, APC
1181 Puerta Del Sol
San Clemente, CA 92673
USA
Telephone: (949) 544-9355