Ranked #1 in Rancho Santa Margarita
Based in Santa Ana, 16 mi away
67/100LFR Score
Ranked #1 because of its Google rating and practice area focus: 5.0★ from 72 Google reviews, listed on Google as “Bankruptcy attorney”.
Bankruptcy Lawyers in Rancho Santa Margarita, CA: 2026 rankings
268 bankruptcy lawyers ranked by LFR ScoreUpdated 0 paid placements in this rankingHow we rank →
The short answer
- 1
Highest LFR Score in Rancho Santa Margarita: Southern California Law Advocates P.C., LFR Score 67/100; 5.0★ from 72 Google reviews; open 24/7.
- 3
Open 24 hours (per Google): Barrios & Machado Personal Injury & Accident Lawyers PLC, posts 24/7 hours; ranked #3 of 268.
- 11
Most-reviewed: Law Offices of Jaime A. Cuevas, Jr., 999 Google reviews at 4.9★, the most of 268 ranked; ranked #11.
Rankings can't be bought. Lawyers can't pay to change their rank or score. How we rank
268 Rancho Santa Margarita bankruptcy lawyers are ranked here by LFR Score, from nine published factors. 20 are open 24/7, 94 open Saturdays and 43 open Sundays, based on posted hours. The median Google rating is 4.9★ across 268 rated law firms.
Top 10 bankruptcy lawyers in Rancho Santa Margarita at a glance
Ranked by our published LFR Score from public data, not by payment; a rank is not an endorsement or a prediction of results.
| Rank | Business | LFR Score | Google rating | Based in | Hours | Notable for |
|---|---|---|---|---|---|---|
| 1 | Southern California Law Advocates P.C. | 67 | 5.0★ (72) | Santa Ana, 16 mi away | Open 24 hrs (Google) | Top score |
| 2 | KT - Tang & Associates Attorney AT LAW | 67 | 4.9★ (220) | Westminster, 22 mi away | Sat · Sun · Evenings | — |
| 3 | Barrios & Machado Personal Injury & Accident Lawyers PLC | 67 | 5.0★ (54) | Orange, 17 mi away | Open 24 hrs (Google) | Open 24 hours |
| 4 | Pacific Associates Corporation | 67 | 5.0★ (98) | Irvine, 15 mi away | Sat · Sun | — |
| 5 | $795 Bankruptcy Lawyer Abogados de Bancarrota | 66 | 4.9★ (358) | Orange, 20 mi away | Sat · Evenings | — |
| 6 | Tran Bankruptcy Law | 66 | 5.0★ (198) | Santa Ana, 16 mi away | Sat · Evenings | — |
| 7 | KT - Tang & Associates Attorney AT LAW | 66 | 4.9★ (262) | Moreno Valley, 30 mi away | Sat · Sun · Evenings | — |
| 8 | OakTree Law | 66 | 4.8★ (359) | Los Alamitos, 30 mi away | Sat · Sun · Evenings | — |
| 9 | $795 Bankruptcy Lawyer Abogados de Bancarrota Riverside | 66 | 5.0★ (214) | Riverside, 21 mi away | Sat · Evenings | — |
| 10 | Roosevelt Law Center | 65 | 4.9★ (742) | Oceanside, 36 mi away | Sat · Evenings | — |
All 268 bankruptcy lawyers in Rancho Santa Margarita, in rank order
Ordered by LFR Score, a 0–100 score from nine published factors. Paid placement never changes the order.
Ranked by our published LFR Score from public data, not by payment; a rank is not an endorsement or a prediction of results.
Scores below: based on 7 of 9 factors; bar status and recency not yet collected. Hatched segments mark factors we don't have yet.
Based in Westminster, 22 mi away
67/100LFR ScoreRanked #2 because of its Google rating and practice area focus: 4.9★ from 220 Google reviews, listed on Google as “Bankruptcy attorney”.
Based in Orange, 17 mi away
67/100LFR ScoreRanked #3 because of its Google rating and practice area focus: 5.0★ from 54 Google reviews, listed on Google as “Bankruptcy attorney”.
Based in Irvine, 15 mi away
67/100LFR ScoreRanked #4 because of its Google rating and practice area focus: 5.0★ from 98 Google reviews, listed on Google as “Bankruptcy attorney”.
Based in Orange, 20 mi away
66/100LFR ScoreRanked #5 because of its Google rating and practice area focus: 4.9★ from 358 Google reviews, listed on Google as “Bankruptcy attorney”.
Based in Santa Ana, 16 mi away
66/100LFR ScoreRanked #6 because of its Google rating and practice area focus: 5.0★ from 198 Google reviews, listed on Google as “Bankruptcy attorney”.
Based in Moreno Valley, 30 mi away
66/100LFR ScoreRanked #7 because of its Google rating and practice area focus: 4.9★ from 262 Google reviews, listed on Google as “Bankruptcy attorney”.
#8 OakTree Law
Based in Los Alamitos, 30 mi away
66/100LFR ScoreRanked #8 because of its Google rating and practice area focus: 4.8★ from 359 Google reviews, listed on Google as “Bankruptcy attorney”.
Based in Riverside, 21 mi away
66/100LFR ScoreRanked #9 because of its Google rating and practice area focus: 5.0★ from 214 Google reviews, listed on Google as “Bankruptcy attorney”.
Based in Oceanside, 36 mi away
65/100LFR ScoreRanked #10 because of its Google rating and practice area focus: 4.9★ from 742 Google reviews, listed on Google as “Bankruptcy attorney”.
Based in Montebello, 38 mi away
65/100LFR ScoreRanked #11 because of its Google rating and practice area focus: 4.9★ from 999 Google reviews, listed on Google as “Bankruptcy attorney”.
Based in Santa Ana, 15 mi away
65/100LFR ScoreRanked #12 because of its Google rating and practice area focus: 4.8★ from 524 Google reviews, listed on Google as “Bankruptcy attorney”.
#13 Lloyd Legal, APC
Based in San Bernardino, 37 mi away
65/100LFR ScoreRanked #13 because of its Google rating and practice area focus: 5.0★ from 525 Google reviews, listed on Google as “Bankruptcy attorney”.
Based in Ontario, 29 mi away
65/100LFR ScoreRanked #14 because of its Google rating and practice area focus: 4.8★ from 88 Google reviews, listed on Google as “Bankruptcy attorney”.
#15 Borowitz & Clark
Based in West Covina, 34 mi away
65/100LFR ScoreRanked #15 because of its Google rating and practice area focus: 4.9★ from 603 Google reviews, listed on Google as “Bankruptcy attorney”.
Based in Santa Ana, 16 mi away
65/100LFR ScoreRanked #16 because of its Google rating and practice area focus: 4.9★ from 130 Google reviews, listed on Google as “Bankruptcy attorney”.
Based in Anaheim, 20 mi away
65/100LFR ScoreRanked #17 because of its Google rating and practice area focus: 5.0★ from 351 Google reviews, listed on Google as “Bankruptcy attorney”.
Based in Upland, 32 mi away
64/100LFR ScoreRanked #18 because of its Google rating and practice area focus: 4.9★ from 424 Google reviews, listed on Google as “Bankruptcy attorney”.
Based in Irvine, 9 mi away
64/100LFR ScoreRanked #19 because of its Google rating and practice area focus: 5.0★ from 96 Google reviews, listed on Google as “Bankruptcy attorney”.
Based in Mission Viejo, 6 mi away
64/100LFR ScoreRanked #20 because of its Google rating and practice area focus: 5.0★ from 41 Google reviews, listed on Google as “Bankruptcy attorney”.
Based in Riverside, 19 mi away
64/100LFR ScoreRanked #21 because of its Google rating and practice area focus: 5.0★ from 18 Google reviews, listed on Google as “Bankruptcy attorney”.
Based in Tustin, 15 mi away
64/100LFR ScoreRanked #22 because of its Google rating and practice area focus: 4.9★ from 32 Google reviews, listed on Google as “Bankruptcy attorney”.
#23 Nguyen Law Group
Based in Orange, 18 mi away
64/100LFR ScoreRanked #23 because of its Google rating and practice area focus: 5.0★ from 194 Google reviews, listed on Google as “Bankruptcy attorney”.
Based in Temecula, 26 mi away
64/100LFR ScoreRanked #24 because of its Google rating and practice area focus: 4.9★ from 36 Google reviews, listed on Google as “Bankruptcy attorney”.
Based in Rancho Santa Margarita
64/100LFR ScoreRanked #25 because of its Google rating and practice area focus: 5.0★ from 17 Google reviews, listed on Google as “Bankruptcy attorney”.
Bankruptcy lawyers ranked #26 to #50
#1 to #25 are shown in full above. Here are #26 to #50, in LFR Score order; each links to its profile. We publish the top 50 of 268 ranked bankruptcy lawyers here; the rest are on their profiles.
Also serving Rancho Santa Margarita
20 more bankruptcy lawyers within 40 mi that we can't rank yet: too few reviews, or a practice area we couldn't confirm. Listed A to Z.
| Business | Google rating | Distance |
|---|---|---|
| Adina T. Stern, A Professional Law Corporation | 4.2★ (5) | In Rancho Santa Margarita |
| Amanda G. Billyard, Esq & Associates | 5.0★ (5) | In Rancho Santa Margarita |
| BD&J, PC | 5.0★ (8) | In Rancho Santa Margarita |
| CONSTANCE I. RIMMER | In Rancho Santa Margarita | |
| David L. Gibbs, Attorney at Law | 4.5★ (2) | 13 mi |
| Fishback Law Corporation | 5.0★ (2) | 5 mi |
| Fresh Start Law Center, PC | 4.9★ (211) | In Rancho Santa Margarita |
| Hallstrom Klein & Ward LLP | 3.0★ (2) | 9 mi |
| HLS Tax Relief Attorneys | 5.0★ (2) | In Rancho Santa Margarita |
| K & M Law, A Professional Law Corporation | 3.5★ (2) | 7 mi |
| Law Offices of Athar A. Khan, APC. | 4.0★ (4) | In Rancho Santa Margarita |
| Law Offices of Joseph B. McGinley | 5.0★ (1) | In Rancho Santa Margarita |
| Law Offices of Steven Zwick | 4.3★ (6) | In Rancho Santa Margarita |
| O'CONNOR AND MARTIN, ATTORNEYS AT LAW | 5.0★ (6) | In Rancho Santa Margarita |
| The Law Office of Bruce C. Bridgman | 5.0★ (2) | 10 mi |
| The Law Office of David S. Rubalcava | 4.7★ (46) | In Rancho Santa Margarita |
| The Law Offices of Dr. Bruce G. Fagel & Associates | 3.7★ (6) | In Rancho Santa Margarita |
| The Reis Law Firm, A Professional Corporation | In Rancho Santa Margarita | |
| Thomas H Casey Inc | 2.3★ (3) | In Rancho Santa Margarita |
| W Legal P.C. | 3.5★ (2) | 13 mi |
How we ranked Rancho Santa Margarita bankruptcy lawyers
We scored 268 Rancho Santa Margarita bankruptcy lawyers on nine factors, weighted as shown. A law firm is ranked when its practice area is confirmed and it has 3 or more Google reviews or a claimed profile. A law firm with no Google reviews scores zero on rating, review volume and recency. Other unknown factors are left out, not counted as zero. Scores last refreshed November 9, 2026.
Paid placement never changes a rank or score. Attorney advertising businesses are paid, labelled, limited to 3 and shown above the ranking, outside it.
| Factor | Weight | Computed from | In Rancho Santa Margarita data |
|---|---|---|---|
| Reputation | 25% | Google star rating, adjusted for how many reviews back it | Measured |
| Bar status | 10% | An active bar or law society record matched to a lawyer at the firm (not measured until a record source is loaded) | Not yet collected |
| Review volume | 10% | Number of Google reviews, compared with the most-reviewed firm on the list | Measured |
| Recency | 10% | Share of reviews from the last 12 months | Not yet collected |
| Availability | 5% | Weekly office hours, Saturday, Sunday, and phones answered 24/7 | Measured |
| Practice focus | 15% | How clearly the firm practises this area (its Google category and name) | Measured |
| Proximity | 5% | An office in the city scores highest, less the farther away it is | Measured |
| Claimed profile | 10% | The firm has claimed its Law Firms Ranked profile (free and paid earn the same) | Measured |
| Law Firms Ranked reviews | 10% | Verified client reviews collected by Law Firms Ranked: their rating and how many there are | Measured |
How to choose a bankruptcy lawyer
- Check the lawyer’s status and any public discipline in the state bar or law society directory.
- Ask how many bankruptcy law matters the lawyer handles each year, and who at the firm will do the work.
- Get the fee arrangement in writing: hourly, flat or contingency, and which costs are charged on top.
- Ask how and how often the firm will update you, and how fast it answers calls and emails.
- Read recent reviews for how the firm communicated and billed, not only for outcomes.
- Ask whether the lawyer, not only staff, will review your forms and go with you to the meeting of creditors.
- Meet more than one firm; many offer a short first consultation, sometimes free.
Questions to ask a bankruptcy lawyer
- How would you approach a matter like mine, and what are the realistic options?
- How do you charge, and what will the total likely cost?
- Who will be my main contact, and how quickly do you reply?
- Which chapter fits my situation, and why?
- Which of my property is exempt?
- Is there any conflict of interest that would stop you representing me?
Terms explained
- Contingency fee
- A fee that is a share of the money recovered, paid only if there is a recovery. Common in injury cases; not allowed for criminal defense or for securing a divorce.
- Retainer
- Money paid up front and held in a trust account, which the lawyer draws on as fees are earned.
- Flat fee
- One set price for a defined piece of work, such as a will or an uncontested matter.
- Limited-scope representation
- Paying a lawyer for part of a matter only, such as reviewing documents or coaching for one hearing (also called unbundled services).
- Statute of limitations
- The deadline to file a lawsuit or charge. It differs by state or province and by type of claim.
- Good standing
- A lawyer’s status as active and eligible to practise with a state bar or law society.
- Law society
- The body that licenses and disciplines lawyers in a Canadian province or territory.
- Board certification
- Recognition in a field of law by a state program or an organisation accredited for that purpose. Lawyers may only claim it when they hold it, naming the certifying body.
- Attorney–client privilege
- The rule that keeps confidential communications between a client and lawyer, made for legal advice, out of court.
- Conflict check
- The search a firm runs before taking a matter to make sure it does not represent someone on the other side.
- Pro bono
- Legal work done for free, usually for people who cannot afford a lawyer.
- Legal aid
- Publicly funded legal help for people with low incomes, through legal aid offices, public defenders or provincial legal aid plans.
Bankruptcy lawyers in Rancho Santa Margarita: frequently asked questions
Which bankruptcy lawyer has the highest LFR Score in Rancho Santa Margarita?
By LFR Score, the highest-ranked bankruptcy lawyer in Rancho Santa Margarita, CA is Southern California Law Advocates P.C. with an LFR Score of 67/100. It has 5.0★ from 72 Google reviews. It is open 24/7. KT - Tang & Associates Attorney AT LAW (#2) and Barrios & Machado Personal Injury & Accident Lawyers PLC (#3) follow. We ranked 268 bankruptcy lawyers on nine factors, last updated November 9, 2026.
How many bankruptcy lawyers are there in Rancho Santa Margarita?
LawFirmsRanked ranks 268 bankruptcy lawyers serving Rancho Santa Margarita, CA. 1 of them is based in Rancho Santa Margarita; the rest serve it from nearby towns. Another 20 within 40 mi are listed but not ranked yet. Counts are as of November 2026.
Which bankruptcy lawyers in Rancho Santa Margarita are open 24/7?
20 ranked bankruptcy lawyers in Rancho Santa Margarita post 24/7 hours. The highest-ranked are Southern California Law Advocates P.C. (#1), Barrios & Machado Personal Injury & Accident Lawyers PLC (#3) and Wadhwani & Shanfeld (#14). Hours come from each law firm's Google listing as of November 2026, so call to confirm.
Which bankruptcy lawyers in Rancho Santa Margarita work on weekends?
94 of 268 ranked bankruptcy lawyers post Saturday hours and 43 post Sunday hours. The highest-ranked open Saturdays are Southern California Law Advocates P.C. (#1), KT - Tang & Associates Attorney AT LAW (#2) and Barrios & Machado Personal Injury & Accident Lawyers PLC (#3). Posted hours are office hours; many firms meet clients by appointment outside them.
What Google rating do Rancho Santa Margarita bankruptcy lawyers have?
The median Google rating among 268 rated bankruptcy lawyers in Rancho Santa Margarita is 4.9★, with a median of 18 reviews. Law Offices of Jaime A. Cuevas, Jr. has the most, 999 reviews, and ranks #11. We adjust ratings for review count, so a few five-star reviews cannot top the list.
How does LawFirmsRanked rank bankruptcy lawyers?
Each bankruptcy lawyer gets a 0–100 LFR Score from nine published factors, led by reputation (25%), practice focus (15%), review volume (10%) and recency (10%). A law firm with no Google reviews scores zero on rating, review volume and recency; other factors we cannot measure are left out. Only law firms with a confirmed practice area and 3 or more reviews, or a claimed profile, are ranked.
Do bankruptcy lawyers outside Rancho Santa Margarita count in this ranking?
Yes, if they are within 40 mi of the Rancho Santa Margarita city center, our service radius for bankruptcy lawyers. Each listing shows where the law firm is based and how far away it is. Proximity is 5% of the LFR Score, so a nearby law firm gets a small edge.
Can bankruptcy lawyers pay to rank higher on LawFirmsRanked?
No. The LFR Score never reads payment status, and this ranking has 0 paid placements. Up to 3 Featured law firms may appear above the list, labelled Attorney advertising and showing their honest rank.
How do bankruptcy lawyers in Rancho Santa Margarita, CA charge?
Consumer bankruptcy lawyers usually charge a flat fee for Chapter 7; Chapter 13 fees are often paid partly through the repayment plan and are reviewed by the court. Under federal law they must give you written disclosures and a written contract (11 U.S.C. §§526–528). Lawyers using Clio billed an average of $481 an hour in this area (Clio Legal Trends data, October 2026; all areas $362). Ask for the fee arrangement in writing before you agree.
What is the difference between Chapter 7 and Chapter 13?
Chapter 7 sells non-exempt property to pay creditors and usually ends in a few months; Chapter 13 keeps your property under a three- to five-year repayment plan. Income and assets decide which you can use. This is general information, not legal advice.
How is this list of bankruptcy lawyers in Rancho Santa Margarita, CA ranked?
By LFR Score only, from public data on reviews, practice focus, office location and hours. Firms labelled “Attorney advertising” paid for that placement; payment never changes a rank, and a rank is not an endorsement.
Does a lawyer need an office in Rancho Santa Margarita?
No, but the lawyer must be licensed in your state (or, for federal matters such as immigration, in some state). A local office makes meetings and court appearances easier, so proximity is one of our factors.
Update log for Rancho Santa Margarita
- November 2026: LFR Scores recalculated for 268 bankruptcy lawyers serving Rancho Santa Margarita.
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