Law Office of Lisa J. Espada

San Francisco Bay Area Attorney Helping Consumers Solve Their Debt Problems

Contact Us

Firm Overview

Consumer Bankruptcy:
I handle Chapter 7 and chapter 13 bankruptcy cases in the Northern District and Eastern District of California. I offer discounted fees to seniors (65 and over) and clients with disabilities. I enjoy helping my clients become debt-free.

Debt Collection Defense:
It has been estimated that over 90 per cent of state court cases filed by debt buyers result in a default judgment in favor of the debt buyer. In many cases that is because consumers don't know where to turn for help. I provide affordable representation to consumers in debt collection lawsuits. Many cases are dismissed, and many others are settled for a small fraction of the original demand.

Default Judgments:
It is commonplace in debt collection litigation for consumer defendants to be unaware of a lawsuit or judgment until the creditor takes steps to collect the judgment. That is often the result of faulty service of process. I handle motions to set aside default judgments, so that my clients' rights are protected.

Consumer Protection Litigation:
I represent consumers in Fair Debt Collection Practices Act (FDCPA) actions, to achieve justice against careless and unethical debt collectors and debt buyers.
Main Office

Main Office (Financial District)
71 Stevenson St.
Suite 400
San Francisco  CA  94105

Phone
  • (415) 504-6195
Fax
  • (855) 504-6195

Fees

Free Initial Consultation?

Free Consultation for Bankruptcy, Debt Collection Defense & Set Aside Default Judgment

Services Offered For Fixed Fees?

Chapter 7 and Chapter 13 Bankruptcy; Debt Collection Defense (affordable flat fee for pre-trial representation/settlement; additional fee for trial preparation/appearance); Set Aside Default Judgment

Hourly Rates

Affordable hourly rates for services not described above

Office Information

Office Hours

Mon. - Thurs. 9:00 a.m. - 6:00 pm; Fri. 9:00 a.m. - 1:00 p.m.

Emergency After Hours

Yes

Debt Settlement
San Francisco Bay Area Attorney Helping Consumers Solve Their Debt Problems
Consumer Bankruptcy:
I handle Chapter 7 and chapter 13 bankruptcy cases in the Northern District and Eastern District of California. I offer discounted fees to seniors (age 65 and over) and clients with disabilities.

Debt Collection Defense:
I provide affordable representation to consumers in debt collection lawsuits. Many cases are dismissed, and many others are settled for a small fraction of the original demand.

Default Judgments:
I help clients set aside default judgments, particularly in Superior Court debt collection cases.

Consumer Protection Litigation:
I represent consumers in Fair Debt Collection Practices Act (FDCPA) actions, to achieve justice against careless and unethical debt collectors and debt buyers.

Lisa Espada

As a child, I watched Perry Mason reruns on television, which left me with the impression that lawyers help people get out of trouble. As a teenager, I first saw the film To Kill a Mockingbird. The central character in the story, Atticus Finch, became a symbol of honor and integrity in the practice of law. He represented clients because they needed him, because he could help them (sometimes), and because it was the right thing to do. That ideal became a motivating force in my life.

Several years ago, when the financial crisis of 2007-2009 began to wreak havoc on the middle class, I began to think about our economic system and everything that is wrong with it. I then realized that I wanted to practice bankruptcy and consumer law in order to help people get out of debt and recover their dignity.

I am committed to providing affordable representation to a wide range of consumers who are struggling, including the unemployed and under-employed, Baby Boomers, seniors and people with disabilities.

I graduated from Golden Gate University School of Law in 1999. I have been licensed to practice law in the State of California since 1999.

I practice in state and federal courts in the following counties:

North Bay/San Francisco: Sonoma County, Napa County, Marin County, City and County of San Francisco
Peninsula/South Bay: San Mateo County, Santa Clara County
East Bay: Alameda County, Contra Costa County
Sacramento/Central Valley: Sacramento County, San Joaquin County, Stanislaus County

Bankruptcy Courts in the Northern District of California are located in San Francisco, Oakland, San Jose, Santa Rosa and Salinas. Bankruptcy Courts in the Eastern District of California are located in Sacramento and Fresno.

I am a member of these professional associations:

Queens Bench Bar Association

Bar Association of San Francisco

San Mateo County Bar Association

National Association of Consumer Bankruptcy Attorneys

* Nolo has confirmed that every member attorney has a valid license and is in good standing with the state agency that licenses lawyers. Any past disbarments and suspensions (with possible exceptions for minor violations or nonpayment of dues, in our discretion) will be indicated accordingly in the badge. Member attorneys are required to notify Nolo immediately if they become the subject of any disciplinary action by any state licensing agency.

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