Ramiro Flores Munoz, Esq.

Highly recommended. Ramiro is very professional, honest and helpful. He dealt with my difficult situation with common sense and in a timely manner. As soon as he got involved he explained me everything throughout the process and felt safe from my Landlord who was getting out of control.

When you need the impossible to become possible, contact Ramiro. His knowledge of the law coupled with his tenacious approach, makes him a real life miracle worker. I would highly recommend Ramiro for complex or basic legal cases. Thanks to him, I have a second chance at rebuilding my financial future.
He’s one of the good guys!
–bg

When I seek bankruptcy information or advice relative to the work I do, there is only one attorney I first turn to for his counsel — and that is Ramiro Flores Munoz. Practical, knowledgeable and experienced! A very excellent resource!

Can’t even begin to say how grateful me and my father are with Ramiro. From day one we were happy with him. We went to him about 3 ½ years ago with some financial issues. He explained in detail the bankruptcy chapters and how unfortunate it was that we could not file chapter 7 due to a HELOC we had on the mortgage (also my father had a previous ch 7 so we kind of knew we had to do ch 13 or else they would take the house) But nevertheless we dug ourselves into this mess.
We were happy with the explanation of how we would repay our creditors back through a repayment plan to the trustee (including attorney fees) which helped a lot. Ramiro was very professional every single time we met. He went with us to court to the creditors meeting and gave us pointers and advice every single time I called and emailed him. And I called and emailed a lot since I was new to this ch 13 bankruptcy. It was supposed to be 5 years of repayment but I just sent my last payment 3 ½ yrs later. and will now await for my discharge letter to get my credit back up and running. My father and I are very happy with him and would recommend Ramiro to anyone seeking to do a bankruptcy. Thank you again Ramiro for your excellent service