Serving Commerce from Beverly Hills
Bankruptcy Attorney for Commerce Residents
Commerce is a small city with a big job base, from the Citadel Outlets to the Commerce Casino. Law Offices of John Asuncion is a bankruptcy attorney serving Commerce from our Beverly Hills office. Call (310) 362-9071 for a free consultation, in person or by video.
- Commerce bankruptcy cases are heard downtown
- Flat fees from $1,200 plus the court filing fee
- Meet in Beverly Hills or by video
- Emergency filings to stop a garnishment or sale
Commerce by the numbers
Source: U.S. Census Bureau, American Community Survey (ACS 2020-2024 5-year), QuickFacts for Commerce.
What these numbers mean for a Commerce bankruptcy
Half of Commerce households earn less than $77,064 a year. That is below California's median for a one-person household ($79,253), so many families here pass the first step of the means test on income alone.
About 55% of homes in Commerce are lived in by their owners, and the median owner-occupied home is valued at $598,700. For many owners here, California's homestead exemption covers most or all of their equity. California's homestead exemption rises with inflation each year. In Los Angeles County, owners generally get the top amount, which is about $744,000 in 2026.
Median rent in Commerce is $1,549 a month. A year of that rent equals about 24% of the city's median household income. Even so, a job loss or medical bill can push rent and other bills onto credit cards fast.
Debt and the Commerce economy
Commerce has far more jobs than residents. The city counted about 48,000 business employees in 2020, and its largest employer was The Commerce Casino and Hotel. Warehouses and logistics line the 5 freeway.
Casino, warehouse and retail jobs can bring shift changes and layoffs. When hours drop, Commerce families often lean on credit cards or payday loans to get through the month.
Zillow's typical home value in Commerce was $694,535 in September 2026.
Chapter 7 or Chapter 13 in Commerce?
Commerce's median household income is below California's one-person median, so many families can pass the first step of the Chapter 7 means test. Owners behind on the mortgage often look at Chapter 13.
- Chapter 7 attorney for Commerce: wipes out most credit card, medical and personal loan debt in about four months.
- Chapter 13 attorney for Commerce: a 3 to 5 year payment plan that can save a home or car.
Courts that handle Commerce cases
Bankruptcy cases from Commerce are assigned to the Los Angeles Division of the U.S. Bankruptcy Court, Central District of California, at the Roybal Federal Building, 255 East Temple Street, downtown.
If a creditor has already sued you, that lawsuit is usually in Los Angeles Superior Court. Small claims cases from Commerce usually go to the Stanley Mosk Courthouse downtown. Collection lawsuits under $35,000 are usually filed at the Norwalk Courthouse. Filing bankruptcy pauses those lawsuits.
Meeting with us from Commerce
Our only office is at 9454 Wilshire Blvd., Penthouse Floor, in Beverly Hills. From Commerce, take the 5 north to the 10 west, then La Cienega or Robertson Boulevard north to Wilshire, about 17 miles. If the drive is hard to fit around work, we meet by video, and you can sign most papers online.
Commerce bankruptcy questions
Do I have to go to Beverly Hills to file bankruptcy from Commerce?
No, you do not have to come to Beverly Hills to file bankruptcy from Commerce. We meet by video, and most documents can be signed online. Many clients still like to meet once in person at our Wilshire office.
Which bankruptcy court hears cases from Commerce?
The Los Angeles Division at 255 East Temple Street hears bankruptcy cases from Commerce. Your ZIP code decides the division, and we confirm it before filing.
How much does a bankruptcy attorney cost for Commerce residents?
Our flat fees for Commerce residents start at $1,200 plus the court filing fee, with payment plans. Chapter 13 fees are different, and you get the fee in writing at your free consultation.
Can bankruptcy stop payday loan collection in Commerce?
Yes, bankruptcy stops payday loan collection as soon as it is filed. Payday loans are usually wiped out in Chapter 7 like other unsecured debt.
Free consultation
Talk to a bankruptcy attorney about your Commerce case
Call (310) 362-9071 or send the form. We will tell you which chapter fits and what it costs.
Law Offices of John Asuncion9454 Wilshire Blvd., Penthouse Floor
Beverly Hills, CA 90212
(310) 362-9071
Monday to Friday, 9 a.m. to 6 p.m.