Business Details
Your Trusted Bankruptcy & Foreclosure Defense Attorneys in Honolulu
Square One Legal is a dedicated legal practice specializing in consumer foreclosure defense and bankruptcy law. Our mission is to always do the right thing for our clients, prioritizing their financial well-being and long-term stability. We focus on providing personalized legal strategies tailored to each client's unique circumstances, ensuring they make informed decisions about debt relief and asset protection. With extensive experience in Hawaii's legal system, we guide clients through complex bankruptcy proceedings, including Chapter 7 and Chapter 13 filings, while offering compassionate support during challenging times.Our team emphasizes transparency, ethical practices, and community engagement, striving to alleviate the stress associated with overwhelming debt. We provide free initial consultations to help clients explore all available options, from debt settlement to foreclosure defense, without obligation. By combining legal expertise with a client-centered approach, we empower individuals to regain control of their financial futures and rebuild credit after discharge. Our commitment to excellence and client advocacy has established us as a trusted resource for debt relief in Honolulu.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Debt Settlement
Foreclosure Defense
Debt Relief
Highlights and features
- We offer personalized legal strategies tailored to each client's unique financial situation
- Our team provides free initial consultations with no obligation to proceed
- We specialize in Hawaii bankruptcy law with deep knowledge of local court systems
- Our attorneys guide clients through debt relief options beyond bankruptcy
- We prioritize client education to ensure informed decision-making about financial futures
Services
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy eliminates unsecured debts like credit cards and medical bills while protecting essential assets. This process stops creditor harassment and wage garnishments immediately upon filing. Most clients complete the process in 4-6 months, receiving a discharge that permanently eliminates qualifying debts. Our attorneys help determine eligibility based on income and asset exemptions under Hawaii law.
Chapter 13 Bankruptcy
Chapter 13 Bankruptcy creates a 3-5 year repayment plan to catch up on mortgage and car payments while eliminating unsecured debts. This option stops foreclosures and repossessions immediately. Our team helps clients restructure debts at reduced interest rates while keeping valuable assets. The process provides structured debt relief for those with regular income who don't qualify for Chapter 7.
Foreclosure Defense
Foreclosure Defense challenges improper lending practices and negotiates with mortgage companies to save homes. We help clients catch up on payments through loan modifications or bankruptcy plans. Our attorneys represent homeowners in court proceedings while exploring alternatives like short sales. The goal is to protect property rights and create sustainable solutions for mortgage arrears.
Debt Settlement
Debt Settlement reduces unsecured debts through negotiated settlements with creditors. Our team secures reduced payoff amounts for clients who don't qualify for bankruptcy. This process consolidates debts into manageable payments while minimizing credit impact. We handle all creditor communications to achieve optimal settlement terms for our clients' financial situations.
Credit Rebuilding
Credit Rebuilding guidance helps clients restore financial health after bankruptcy. We provide strategies for obtaining secured credit cards and monitoring credit reports. Most clients achieve 700+ credit scores within two years through responsible financial management. Our post-discharge support includes budgeting advice and debt prevention strategies.
People
Ofir Raviv
Attorney
Ofir Raviv is a bankruptcy attorney in Honolulu with extensive experience in consumer debt relief. Originally from Israel, he brings a unique perspective to Hawaii's legal challenges. He focuses on helping clients eliminate debt through Chapter 7 and Chapter 13 bankruptcy while providing compassionate guidance through financial crises.
Questions
Do you offer free consultations?
Yes, we provide free initial consultations to all Hawaii residents regardless of their financial situation.
How can bankruptcy help with debt?
Bankruptcy stops creditor harassment, eliminates unsecured debts, and protects assets from repossession or foreclosure.
What's the difference between Chapter 7 and Chapter 13?
Chapter 7 eliminates debts quickly while Chapter 13 restructures payments over 3-5 years to save property.
Will bankruptcy ruin my credit forever?
Most clients rebuild to 700+ credit scores within two years through responsible financial management.
Can I keep my home during bankruptcy?
Chapter 13 allows catching up on mortgage payments while Chapter 7 protects equity within exemption limits.
How much debt do I need for bankruptcy?
There's no minimum debt requirement - we evaluate each case based on individual financial circumstances.
Videos
