At Square One Legal we practice consumer bankruptcy law exclusively, we can help you with Chapter 7 or Chapter 13 bankruptcy as well as Debt Settlement. Our mission is to ALWAYS, without exception, do the right thing for our clients.
My name is Ofir Raviv and my firm, Square One Legal was established in January 2019. Before starting Square One Legal, I worked as a bankruptcy attorney for one of Hawaiis most prominent consumer bankruptcy law firms representing Debtors in hundreds of chapter 7 and chapter 13 cases, where I helped them navigate through the bankruptcy process with dignity and confidence. Prior to that I worked as a Law Clerk Extern for the Honorable Richard W. Pollack, Associate Justice at Hawaii Supreme Court, and as a Staff Attorney at Hawaii State House of Representatives.
There is a lot of care and thought in evaluating your financial situation as well as taking into consideration your personal circumstances. It is our #1 goal to help you make an informed decision about a plan of action that makes the most sense for you and your family.
Each clients situation is different. The services we provide are:
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
In your research, you will find that nearly all consumer bankruptcy law firms promise to do great things for their clients such as get rid of their debts, treat them with respect, make the process super easy, etc. In a perfect world, that would be true, but we encourage you to read the truth about bankruptcy and why we provide greater value to our clients.
When in doubt, call our office to schedule a FREE attorney consultation. If you already met with another attorney, call our office. You may be surprised to learn we offer you much greater savings. Finally, be sure to call our office if you face any of the following situations:
It will take you longer than a year to pay off your current credit cards and personal loans.
You are facing garnishment.
You are behind on your mortgage payments and/or facing foreclosure.
You are behind on your car payments and/or your car was repossessed.
You owe more than $10K in taxes.
Your student loans are in default or you do not qualify for an income based repayment plan and are struggling to keep up with your monthly payments.
For a free initial consultation to see if filing for bankruptcy is for you, please contact our office.
American Savings Bank Tower 1001 Bishop St.,
Honolulu HI 96813
Monday through Friday, 9am - 5pm HST
At Square One Legal we focus on Chapter 7 and Chapter 13 bankruptcies and solutions to help find you relief from your whatever your financial situation may be.
Every clients situation is different. The services we provide are:
Chapter 7 Bankruptcy
If you expect it will take you longer than a year to repay your unsecured debts such as credit cards, personal loans, medical bills, etc. Chapter 7 may be a good option to discharge (eliminate) them.
Chapter 13 Bankruptcy
Are you behind on your mortgage or car payments, facing foreclosure, owe taxes or domestic support obligations (child support and/or alimony)? Chapter 13 bankruptcy is a three-to-five-year monthly repayment plan that can help most individuals cure (repay in full) these obligations, stop
foreclosures, stop repossessions and garnishments, and eliminate certain debts (mainly unsecured debts such as credit cards, personal loans, and medical bills)
Debt settlement may be a good option for individuals with a small number of creditors who donât qualify for chapter 7, or canât get a good deal in chapter 13, or their total unsecured debt amount is too low to justify filing bankruptcy. We aggressively negotiate balance reductions with creditors under lump-sum payment or a new repayment plan.
Bankruptcy provides a fresh start to eligible consumers by discharging (wiping out) certain debts such as credit cards and personal loans. It can also be used in certain circumstances to stop and recover garnishment funds, stop repossessions, reduce car loan balances and interest rates, stop foreclosures and cure mortgage arrears, and eliminate or reduce taxes.
Despite these great benefits, we believe that filing bankruptcy should be the last resort for individuals in financial difficulty. If you are an individual who relies on income from sources out of creditors reach such as social security benefits and donât own significant assets, you should probably do nothing because your creditors cannot collect against you. If you can repay your creditors in full in less than a year, do so and possibly try to settle with them on your own or with our assistance.
If you already met with another attorney and like a second opinion, call our office. You may be surprised to learn we offer you much greater savings.
Thank you for taking the time to read about me. My name is Ofir Raviv, consumer bankruptcy attorney in Hawaii. I am passionate about doing the right thing for my clients. Bankruptcy may not be for you, but for the right person it can help find the financial peace of mind they need to start living their life free from the financial stress and worry that plagues them.
Once we meet, you will ll know I am not originally from Hawaii. After all, my name is Ofir and that is not a common name. I was born and raised in Israel and served three years in the Israeli Defense Force. After my service I met my lovely wife (a local girl from Hawaii) who was a Peace Corps Volunteer while I was on a long backpacking trip to India. From there I followed her to the East Coast of the United States before marrying her and moving to Hawaii in 2010 where we have made our home with family and friends.
My personal philosophy in life and in business is to do the right thing, especially while helping clients. Because of that practice I received the 2018 Volunteer Legal Services Hawaii pro bono services Kahiau Award for outstanding and dedicated volunteer work, with special recognition from United States Senator Mazie K. Hirono. He also served as Vice President of the Hawaii Bankruptcy Bar Association in 2018 and was appointed Delegate to the United States District of Hawaii Conference for 2018-2020.
Before starting Square One Legal, I worked as a bankruptcy attorney for one of Hawaiis most prominent consumer bankruptcy law firms representing Debtors in hundreds of chapter 7 and chapter 13 cases, where I helped them navigate through the bankruptcy process with dignity and confidence.
Bar Number: 010413
University of Hawaii at Manoa, William S. Richardson School of Law
Juris Doctorate, 2015
Harry Radzyner Law School at the Interdisciplinary Center in Herzliya
Interdisciplinary Center Herzliya, Radzyner School of Law, Herzliya, Israel
Legum Baccalaureus (LLB),
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