Zulema Ontiveros

Zulema handles the cases where filing isn’t the answer: settlements, collection lawsuits and the letters that come before them.

She joined the firm after several years at a legal aid office, where she learned to tell in one call whether a debt was worth fighting, settling or erasing.

She meets clients across the state by video, in English or Spanish, and she’ll tell you plainly when a bankruptcy would cost you less than a settlement.