Law Offices of Eric Ridley

Law Offices of Eric Ridley

I am privileged to represent clients in Ventura, Los Angeles, Santa Clarita & Simi Valley for bankruptcy, consumer law, collection agency abuse, Elder Financial abuse and other consumer law matters.

Firm Overview

Main Office

Affordable Oxnard Bankruptcy Attorney
567 W. Channel Islands Blvd., Ste. 210
Port Hueneme CA 93041


(805) 244-5291


(888) 953-3884


Free Initial Consultation?


Services Offered For Fixed Fees?

Credit and collections defense, Fair Debt Collection Practices (FDCPA), Bankruptcy, and most consumer law issues.

Office Information

Office Hours

8:00AM to 8:00 PM, 7 days a week

Office Manager

Eric Ridley

Emergency After Hours


Languages Spoken



Highly personal and friendly service. You will always speak directly to a bankruptcy attorney, and never to assistants or paralegals.

I take pride in making sure that we choose the right solution to your debt problems, whether it's defending your lawsuit, filing bankruptcy, or suing abusive debt collectors. If bankruptcy is NOT the proper solution, I will tell you, and do my best to provide a solution that's correct for your situation.

I am a Oxnard, CA Bankruptcy lawyer and Tax Lawyer & Consumer Protection Lawyer who loves practicing consumer bankruptcy and consumer rights law. I realize that bankruptcy and consumer rights are two of the few areas of law that produce benefits for both the client and me.

My goal is not to "process" a bankruptcy and never see the client again, but is instead to be your lawyer for life, long after your financial issues are a vague memory. I stay in contact with my clients after their lawsuit or bankruptcy. This is also why I am the only lawyer in Ventura County to buy a 100% legal, 100% ethical credit rehabilitation and education program for every one of my bankruptcy and collection agency defense clients who has credit problems.

My client benefits because I am able to help get rid of collection agency phone calls, and the debt that is strangling the client. I benefit by knowing that I gave my client the best possible representation without having to compromise my values, which is simply not true for many other areas of legal practice.

I Run a 'No-BS' Oxnard Bankruptcy and Consumer Rights Practice
After meeting with me, most clients see that I am a 'no BS' lawyer, and that I will give you the best possible advice for your individual circumstances. If you do not need to file, I will tell you why I would not file your case, and I will actually try to talk you out of filing. Really.

At the end of the day, I feel a huge sense of accomplishment because I know that I'm able to help my clients get relief from not only their debts, but also from nasty creditor phone calls, from the nagging feeling in your stomach every night and as soon as you wake up, and all day long. Once we get our hands around your financial problems, I will show you the road map to get freedom from unserviceable debt.

"Will I Get Credit After Bankruptcy?"

Yes, you will get credit after your bankruptcy.You will get credit cards, and you will be able to buy a car or house, if that's your goal.

You need to call me - Oxnard, CA Bankruptcy Attorney Eric Ridley - at (805) 244-5291, or e-mail at [email protected] right now, for your free, no-pressure consultation.

Bankruptcy Information from Oxnard Bankruptcy Lawyer Eric Ridley

Bankruptcy law lets you eliminate all, or a good part, of your debts. If you're unsure, scared, or feel awkward about considering filing for bankruptcy - please don't worry. Most of my clients are concerned about whether Bankruptcy is an ethical or moral way to solve their problems.

Good News About Bankruptcy

The bankruptcy laws are written to give people like you - regular people - a fresh start without the need to worry about creditors calling, about lawsuits, or about what will happen tomorrow.

First, we'll want to decide if filing for bankruptcy is the right choice for you. First, take a look through the large amount of free bankruptcy information here on my Oxnard Bankruptcy site. That should help you get started.

Then, once you have read all you want to absorb about bankruptcy, you will have more questions than answers, I promise. Please call me; as your personal bankruptcy lawyer, I will take all the time we need to take, to explain the process to you , to answer all your questions, and to give you an unbiased, honest analysis of your situation.

Types of Debts I Analyze in Bankruptcy:

Unsecured debts:
These are debts incurred, which are based on a repayment agreement, and which did not require you to put up any collateral. Unsecured debts are the most common types of debts, and include your medical bills, credit cards, payday loans, and utility bills. It is not uncommon to be able to discharge all of your unsecured debt in your bankruptcy proceeding.

Secured debts:
include loans secured or collateralized by real estate, automobiles, or other big-ticket items. You must keep paying for any secured debts if you wish to keep the property that is secured after the bankruptcy.

Non-dischargeable debts:
Debts that can't be eliminated in your bankruptcy proceeding. This includes parking tickets, some IRS debt, student loans, back child support, and most other government debts.

Eric Ridley

Law Offices of Eric Ridley

I came to the law in mid-life, after a successful career in business. This means that I understand how complicated and overwhelming legal problems can be to you, and I do everything in my power to explain & make clear every step of the way as I represent you in dealing with your problems.


Bar Number: 273702
California, 2010


University of Honolulu School of Law
JD, 2010

University of Honolulu

Eric Ridley

Law Offices of Eric Ridley

Eric Ridley

Law Offices of Eric Ridley

Eric Ridley

Law Offices of Eric Ridley

* 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.