Law Office of Rick G Melendez on Chula Vista's Third Avenue in the Third Avenue Village district has concentrated on consumer bankruptcy since 2000 under California State Bar license #172084, admitted in 1994. Chapter 7 and Chapter 13 filings, loan-modification negotiations, and debt-consolidation strategies form the core caseload, with pre-petition financial analysis coordinated alongside the enrolled agents at 360 Bookkeeping + Tax Solutions. The bilingual English-and-Spanish practice serves the Broadway Corridor and surrounding Chula Vista communities, addressing wage-garnishment defense, automatic-stay enforcement, and post-discharge credit rebuilding. Foreclosure-prevention work includes loss-mitigation applications under RESPA and short-sale coordination with lenders, a process that complements the refinancing timelines managed by Point Mortgage Corporation. Highest-complexity matters involve Chapter 13 plans with sixty-month repayment schedules, strip-off of wholly unsecured junior liens under §506(a), and motions to avoid judicial liens under 11 U.S.C. §522(f).