Skip to main content
Janet Gutierrez

Janet Gutierrez

also known as Bankruptcy Attorney, General Civil Practice

Avvo Advisor

Stop searching and get answers.

Talk to an Avvo-vetted lawyer on the phone now. 15-min call for just $39.

Learn more

About Me

I was born and raised in Chula Vista, in San Diego County. I am the first generation in my family born in the United States. I am very grateful to be able to practice law in the United States. I love my career and I love helping my clients.


In 2005, I graduated with honors, and as a recipient of the Engelhorn Family Scholarship from the University of California, San Diego, with a bachelor’s degree in political science. In 2009, I graduated from California Western School of Law and am a recipient of the California Western Biodiversity Scholarship.


During law school, I was a law clerk at Friestad Law Firm, Emrich & Associates, Horton Oberrecht Kirkpatrick & Martha, and Troutman Sanders (formerly known as Ross, Dixon & Bell). Each clerkship focused on a different practice area, and gave me a wide knowledge base. More importantly, it prepared me for the day when I would open my own law firm.


In 2009, I opened my own law firm, Gutierrez & Associates. In 2012, I was named one of San Diego's Top Young Attorneys for 2012 by the San Diego Daily Transcript. I was nominated again in 2013 and 2014. Gutierrez & Associates is an interdisciplinary team, combining different disciplines to offer more solutions to today’s most pressing legal problems. We have an impeccable record in our community. We represent clients in Chapter 7 and Chapter 13 bankruptcy, and who are facing foreclosure and evictions. We also assist clients facing a financial hardship to explore out of court workout solutions. In one of my landmark foreclosure cases, I was successfully able to get my client’s lender to repurchase the property it erroneously foreclosed on and sold after my client was approved for a HAMP Trial Plan, and return it to my client, reinstate the loan modification, and reimburse my client for the cost of the eviction. In two separate Chapter 13 bankruptcies, I was able to prevent two lenders from cancelling the loan modifications of my clients months to a year after they had been approved.  


For me, the past five years of practice have been incredibly fulfilling. Looking forward, I am determined to become a certified specialist in bankruptcy and to welcome other associate attorneys to my firm. I also hope to mentor other young attorneys the way my mentors so selflessly mentor me.


  I am a member of the San Diego County Bar Association, Lawyers Club of San Diego, the National Association of Consumer Bankruptcy Attorneys, the National Association of Professional Women, and a volunteer lawyer at the Professional Alliance for Children: an all-volunteer charity comprised of local attorneys and financial professionals who provide free legal and financial advice to families caring for a seriously ill child. If that is your current situation, I can provide you with more details.


Languages Spoken: English, Spanish

Photos and Videos

3334578 1382731754

3334578 1382731735

3334578 1382731673

3334578 1382731648

Practice Areas


  1. Chapter 13 Bankruptcy: 40%
    6 years, 100 cases
  2. Chapter 7 Bankruptcy: 30%
    6 years, 200 cases
  3. Real Estate: 20%
    6 years, 200 cases
  4. Litigation: 5%
    6 years, 50 cases
  5. Wills & Living Wills: 5%
    4 years, 60 cases



Hourly ($150-200/hour), Contingent (10-20%), Fixed (Sometimes), Free Consultation (30 minutes), Pro Bono (1%)

Payment Types:

Cash, Check, Credit Card

Attorney Endorsements

14 total 

  • Judd S Nemiro

    I endorse this lawyer.


    Judd Nemiro Divorce & Separation Attorney
    Relationship: Other

  • S. Janaan Hashim

    Atty. Gutierrez is bright, dedicated and an asset to the legal industry. I endorse this lawyer.


    S. Hashim Criminal Defense Attorney
    Relationship: Fellow lawyer in community

Contact Info

Gutierrez & Associates

350 10th Avenue
Suite 1049
San Diego, CA, 92101



Professional Misconduct

We have not found any instances of professional misconduct for this lawyer.
Avvo Contributions
Legal Answers
Award NameGrantorDate Granted
Top Young Attorney for 2014 nomineeSan Diego Daily Transcript2015
San Diego's Best 2015 (Bankruptcy Law, Pending)San Diego Union Tribune2015
Top Young Attorney for 2013 NomineeSan Diego Daily Transcript2014
Top Young Attorney for 2012San Diego Daily Transcript2012
Biodiversity ScholarshipCalifornia Western School of Law2006
Engelhorn Family ScholarshipUCSD2003
Work Experience
TitleCompany NameDuration
AttorneyGutierrez & Associates2009 - Present
Association NamePosition NameDuration
Lawyers Club of San DiegoN/A2014 - Present
National Asssociation of Professional WomenMember2013 - Present
National Association of Consumer Bankruptcy AttorneysN/A2009 - Present
Legal Cases
Case NameOutcome
Chapter 13, Lien Strip and Loan ModificationSaved property from foreclosure, got rid of second loan, and modified first mortgage.
Chapter 13 and Loan ModificationSuccessful. Bank specifically performed their obligations under the permanent loan modification.
Chapter 13 Bankruptcy and Spousal Property Petition in Probate CourtStopped foreclosure process.
See all Legal Cases 
Publication NameTitleDate
San Diego Daily TranscriptTop Young Attorney Finalist2013
School NameMajorDegreeGraduated
California Western School of LawLawJD - Juris Doctor2009
University of California - San DiegoPolitical ScienceBA - Bachelor of Arts2005
Speaking Engagements
Conference NameTitleDate
Love Real Estate RadioBankruptcy and Loan Modifications2013
Love Real Estate Radio Show760kfmb2012