What Stephen Flores offers his clients

Stop Collections

When you have unpaid debts, creditors can sell those debts to collection agencies and list them on your credit report. This can lower your credit score and prevent you from leasing an apartment, financing a vehicle, or buying a home. Creditors and collection agencies send you endless notices in the mail and harass you relentlessly over the phone. After filing for bankruptcy with Flores Law, you can open your mail and answer the phone without fear.

Credit Card Debt

Paying off the interest that credit card companies charge can take years. Getting behind on the payments can negatively affect your credit until everything is paid off. With Flores Law you can get relief now instead of waiting years to repair your credit.

Vehicle Repossession

Everyone needs a car. If you are behind on your car payments, losing your car negatively affects all aspects of your life. Whether repossession is imminent or has already happened, Flores Law can help you keep your vehicle.

Protect Your Property

You don’t have to worry about losing your house, vehicle or 401k. Flores Law can help you navigate the bankruptcy system and get relief while protecting what you have earned.

Judgments and Garnishments

When you get behind on your debts, creditors may take you to court. If a creditor gets a judgment against you, it can remain on your credit report for years and they can use that judgment to garnish your wages or funds from your bank account. Filing for bankruptcy with Flores Law will stop these court actions immediately, and in some cases get garnished money back.

Medical Debt

Medical expenses happen to everyone, and sometimes the insurance company doesn’t protect you like it should. Unpaid medical bills can go to collections and negatively affect your credit for years. Filing for bankruptcy with Flores Law can help you get out from under burdensome medical debt.

Payday Loans

Sometimes a payday loan is your only option. But, the predatory interest can land you in a worse position than before. Flores Law can stop those high interest payments and help eliminate the debt.


The years of hard work that you put into owning a home should not be undone in a few unfortunate months. If you’re behind on your mortgage payments and the bank is threatening foreclosure, Flores Law can offer you a way to keep your house and affordably catch up on back payments.

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Rebuild your credit.

A bankruptcy will appear on your credit report for up to ten years, but creditors care about your creditworthiness, which can actually increase by erasing your past debts.