Janet A. Lawson

1000 Town Center Drive
Suite 300-11
Oxnard, CA 93036

Call For A Free Consultation

(805) 918-1555

Janet A. Lawson

COVID-19 Update!

Renters. These are scary times. lf you can pay your rent, you should. But if you cannot the landlord may serve you a “3 day notice to pay rent or quit notice.” Before this Covid 19 pandemic, once the 3 days runs and you have not paid the rent, the landlord could evict you by filing a case in the local superior court. After the 3 days have run the bankruptcy court would not help you because your tenancy was deemed “forfeited.”

At the moment, you do not need to worry about being evicted because that requires a state court judgement. The Ventura superior court is closed. When it reopens it will only be for emergency matters. Evicting you is not an emergency. So as a practical matter, you cannot be evicted at this time. The Los Angeles Superior Court and the Santa Barbara Superior court are also limiting services to criminal and emergency cases. While they can’t do it now, they could do it when this nightmare is over.

Creditor Calls. As above, the courts are closed except for emergencies. Debt collection is not an emergency. The civil sheriffs department in Ventura is closed, so no wage garnishments will be issued. No one is going to arrest you {that is always true). Do not believe the caller if they say this! The Los Angeles Civil Sheriffs department will not serve any documents unless they were received prior to March 19, 2020. The Santa Barbara Sheriffs Civil Department web page says nothing about being closed… Read More

Welcome to Janet A. Lawson in Ventura, CA

Janet Lawson is a debt relief counselor handling bankruptcy cases since 1989. She can help you select the right chapter for your case in a fast and efficient manner. Our office will file your case within 24 business hours of completion. We pride ourselves on being personally available by phone when you need us most! If you need an appeal, we can do it. If you need a litigator, we can do it. In addition, Janet Lawson has been a Member of the National Association of Consumer Bankruptcy Attorneys since 2000, and a member of the American Bankruptcy Institute since 2012. She is admitted to practice in the Central, Eastern, and Southern Districts of California, the Ninth Circuit Court of Appeals, and the United States Supreme Court.

Bankruptcy is not a bad word, but it can be a scary time.

We are here to meet with you and discuss your particular situation, the best strategy for you and we will file on your behalf for a flat rate. We can also represent you in court as necessary. Call today for a free consultation.

Meet Ziggy and Lulu



Dealing with the overwhelming burden of debt can be crushing and suffocating. Mounting debt can be nerve-wracking. Creditors are known to be ruthless as their calls are non-stop and often harassing. Foreclosure, wage garnishment, car repossession, or utility disconnection are all real threats that thousands of people face nationwide due to increasing debt and bills. Unfortunately, many people are facing the never-ending agony of debt. However, debt relief is available, and taking control of finances is obtainable. Hiring an attorney to ease the burden of debt is a viable option. Janet Lawson is a Bankruptcy Attorney in Ventura, CA, and serves Ventura County with immediate solutions to debt.

If you have reached the point where your debt has become unmanageable, Attorney Lawson can guide you through the process of debt relief through bankruptcy. Her office is a no-judgment zone, and reaching out for help is the first step toward gaining control of your financial health and stability.

Don’t let statements, bills, and notices from credit card companies, medical bills, mortgage, car, and utilities keep piling on your kitchen table in the hopes that they’ll magically disappear. The sad truth is they won’t. There’s a proactive way to get rid of growing debt, and that’s to contact Ventura County bankruptcy attorney Janet Lawson.

Many law-abiding Americans are reluctant to pursue bankruptcy. The fear is that there’s a negative stigma associated with it. However, the relief from debt significantly outweighs the negative. Bankruptcy Attorneys such as Janet Lawson are dedicated to helping you find the support needed during a bankruptcy. The right attorney will discuss which path to take whether it’s filing for Chapter 7, Chapter 11, or Chapter 13 bankruptcy.

Client Testimonials

“Ms. Lawson took care of everything, gave us the scenarios of which Chapter I should file. I chose a Chapter, and Ms. Lawson got all the T's and i's in order. Smooth sailing.”

– Jack

Chapter 7 Bankruptcy

Chapter 7 is the most common form of bankruptcy and is designed to eliminate debt. Most people file for Chapter 7. It provides people a way out of debt by giving them a fresh start. Chapter 7 Bankruptcy can eliminate debts resulting from credit cards, personal loans, car loans, medical bills, utility bills, and wage garnishments, judgments, and lawsuits.

Filing for Chapter 7 also allows people, in most cases, to keep and retain their property, such as their homes and cars. Federal exemptions apply when filing for Chapter 7, and it’s designed to give people a fresh start while keeping their assets.

To qualify for Chapter 7, you must pass a means test. The means test is a formula used to determine whether a person is incapable of repaying their debts. It takes into account your monthly household income and family size and compares it to a statewide median income limit to determine whether or not you qualify for Chapter 7. If a person qualifies, then filing for Chapter 7 is a viable choice. However, if your monthly household income is higher than the median income, then your bankruptcy attorney can assess your situation. An expert bankruptcy attorney in Ventura, CA, such as Janet Lawson, can determine other means by which you may qualify for Chapter 7. For instance, your bankruptcy attorney can deduct certain expenses from your current monthly income, such as standard living expenses, housing expenses, transportation expenses, school tuition, and childcare. It could be possible that these deductions could bring you lower than the median.

If you need assistance with bankruptcy, consulting a Chapter 7 bankruptcy attorney in Ventura, CA, contact Attorney Janet Lawson. She is dedicated to getting you the results you need.

Chapter 11 Bankruptcy

Filing for Chapter 11 bankruptcy is uncommon for an individual. This type of bankruptcy is usually filed by corporations, partnerships, and limited liability companies. However, some people may file under Chapter 11 if their income and debt exceed the limits of a Chapter 7 or Chapter 13, and there is no other recourse.

Chapter 11 bankruptcies are complicated and require an experienced attorney to navigate this type of bankruptcy. Attorney Lawson, serving the Ventura County area, can determine whether an individual or company can benefit from a Chapter 11 bankruptcy.

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Chapter 13 Bankruptcy

Chapter 13 is known as debt reorganization. Filing under Chapter 13 offers people struggling with their bills a way to pay down past due payments, while also eliminating some or all of their debt. Under Chapter 13 bankruptcy, your attorney can propose a plan to pay back your creditors over a certain amount of time. Chapter 13 also allows a debtor to consolidate their debt into one payment paid out either bi-weekly or monthly. The payments are affordable, and the debtor is alleviated from considerable debt.

In order to qualify for Chapter 13, a person must be able to have a steady income to prove that they will be able to commit to the repayment obligation. Their income is also too high to qualify for Chapter 7. People choose to file Chapter 13 to protect secured assets such as their car and home. If these assets have equity to protect, Chapter 13 is the favorable choice. If a debtor is facing foreclosure, or if they want to get rid of a second or third mortgage, then Chapter 13 is the answer. Even if a person is experiencing financial setbacks because of employment loss, injury, or illness, filing a Chapter 13 can help ease the burden of debt.

Contact Attorney Janet Lawson today for a professional bankruptcy consultation in Ventura County.

Predatory Lending

Predatory lending imposes abusive and unfair loan terms on a borrower. This type of lending can be coercive, deceptive, and exploitative. Borrowers should be aware of any practice that persuades a person to accept unfair terms. These lending tactics take advantage of someone’s understanding when it comes to loans and their conditions. Predatory lenders regularly target people who need immediate funds for emergency costs such as medical bills, home repairs, or car payments. They also target people with credit problems or those who are unemployed.

Predatory lenders profit from borrowers seeking financial relief. It is wise to educate yourself about these types of lending practices to avoid any pitfalls or financial ruin.

If you require financial or legal advice, it is wise to consult an experienced and knowledgeable attorney. An attorney such as Janet Lawson in Ventura, CA, can help you with your financial and legal needs.

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