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Irvine Bankruptcy Attorney

Irvine Bankruptcy, Foreclosure & Loan Modification Attorneys

2372 Morse Ave. Suite 687 Irvine, CA 92614

(949) 946-6010

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Serving Southern California, OakTree Law is a leading bankruptcy and financially focused legal services provider available in Irvine. The expertise of founder Julie J. Villalobos has enabled us to provide individualized bankruptcy, loan modification, business litigation, and other legal services since 2009. At our firm, you’ll find a lawyer who is professional yet compassionate. Our legal team has the experience to evaluate your financial situation and provide tailored solutions to improve it.

Irvine is home to many of the state’s prominent higher education institutions, including the University of California, Irvine; California State University Fullerton; and Pepperdine University. The corporate headquarters of numerous technology and semiconductor companies are based here. In addition, the city is known for its celebration of diversity during the Irvine Global Village Festival, an annual event held in October.

Why OakTree Law

High amounts of debt, foreclosure, repossessions, corporate/partnership disputes, and other hardships can leave you feeling overwhelmed. We specialize in a range of debt relief options and business litigation strategies to help relieve your burdens. Your options are clearly explained and we’ll quote your fee up front. Our team realizes every individual’s situation is different, so thoroughly evaluates each case and works with you personally every step of the way.

Our Legal Services


There are many myths and misunderstandings surrounding bankruptcy. The U.S. Bankruptcy Code provides for various forms of relief to protect you from collections actions and help regain your financial footing. Our bankruptcy attorney knows all about the law and can help, whether you are dealing with credit or medical debt or are struggling with your mortgage, with these bankruptcy options:

  • Chapter 7 – Allows individuals and businesses to sell assets to pay off debts and/or discharge unsecured debt such as that from credit cards.
  • Chapter 11 – If an individual or business has a high net worth, finances can be reorganized; a business owner usually retains control and creates a repayment plan.
  • Chapter 13 – Suited for individuals with a steady income and a high amount of debt, which can be reorganized to create a practical repayment plan.
  • Chapter 20 – Discharges some of your debt via a Chapter 7 filing; the remainder is then paid off as part of a plan developed in a subsequent Chapter 13 filing.

If your finances are spiraling out of control or debt collectors are harassing you, our Irvine bankruptcy attorney can help provide a practical solution.


Foreclosure is a frightening prospect that affects thousands of homeowners in Orange County every year. First, a lien is put against your home, which can be sold by the court; our foreclosure attorney can guide you through the process and find workable alternatives.

Loan Modification

If your current budget is too tight to meet your mortgage payments, we can work with your bank to alter the terms of your loan (temporarily or permanently) to lower the interest rate and monthly payments. Homeowners with various financial hardships and who meet the following criteria may qualify for this option:

  • Adjustable-rate mortgage
  • High interest rate mortgage
  • You owe more than your home is worth

Business and Civil Litigation

The legal process of suing a business or person can be very complicated. Our attorneys specialize in many types of cases and can handle a wide range of matters; we can help clients in the following areas:

Estate Planning

In regard to planning an estate, we can help Irvine clients determine how to distribute their assets and manage other matters in the form of:

Short Sale Negotiation

When you can’t make mortgage payments and your property is worth less than the remaining balance on your loan, your lender may approve a short sale. Your home will be compared to other sales in the area to determine whether you qualify.

Mortgage Litigation

Our Irvine mortgage attorneys can help you explore many options. Sometimes, lenders deny requests for a loan modification when homeowners are trying to avoid foreclosure; in this case, we can help you pursue legal action against them depending on your situation.

Notary Services

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Bankruptcy, estate planning, real estate transactions, and other legal matters require all kinds of documentation, which must be certified to be legal and binding via notarization. Our team is staffed by a Los Angeles Notary Public, who can notarize documents such as:
  • Adoption papers
  • Affidavits
  • Child custody agreements
  • Deeds
  • Divorce/settlement/pre-nuptial agreements
  • Escrow and title documents
  • Legal documents
  • Medical documents
  • Travel documents
  • Powers of attorney
  • Trusts
  • Vehicle verification and title transfers

Personal Injury

There are numerous circumstances in which someone can experience a life-altering personal injury resulting in lasting physical and emotional impacts. A loss of income due to being unable to work, and medical bills from ongoing care, can leave you financially strained, but we can provide legal support, including seeking compensation, for clients who’ve experienced:

Real Estate Law

In real estate, there are many complex transactions completed every day. Irvine home and business owners may not be familiar with every legal aspect, but we can protect your legal rights in regard to:

  • Contract negotiations
  • Contract review
  • Corporate planning for real estate investment
  • Eminent domain
  • Evictions
  • Landlord-tenant disputes
  • Purchase and sale of residential and commercial properties
  • Real estate closings
  • Residential and commercial leasing
  • Title review

Contact OakTree Law Today

If any of the legal matters detailed above apply to your situation, our legal services are available to you in Irvine. We can connect you with a lawyer to handle your bankruptcy, loan modification, foreclosure, business dispute, intellectual property, wrongful termination, personal injury, or other financially focused legal case. For assistance, complete a free evaluation online or call us directly at (949) 946-6010.