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Nicholas Watts Gebelt

Bankruptcy and debt Attorney at Whittier, CA

3.0   2 reviews
  • Licensed for 22 years
    State CA
    Acquired 2001
    Active No misconduct found

We have not found any instances of professional misconduct for this lawyer.

About Nicholas

Learn Nicholas’s areas of practice.

Practice areas
  1. Bankruptcy and debt

  2. Chapter 11 bankruptcy
    Chapter 11: Personal; Small Business - A personal Chapter 11 helps people who have significant household income or own a significant amount of real estate, and have debts that exceed the Chapter 13 debt ceilings. A small business Chapter 11 allows it to reorganize and pay off debts over time.

    20 years

  3. Chapter 13 bankruptcy
    Are you afraid of losing your home or car because you are behind on the payments? Chapter 13 bankruptcy may be a good option because it provides a way for you to catch up on those payments. In a Chapter 13, you file a plan to pay off some of your debts over several years. Chapter 13 allows you to keep property with significant equity – especially your home and car – if you can make the payments.

    20 years

  4. Chapter 7 bankruptcy
    Chapter 7: Personal; Small Business - A personal Chapter 7 has the effect of discharging or eliminating many debts. It is a good option for people with limited assets and income. A small business may file for Chapter 7 if it lacks the resources to reorganize and repay its debt.

    20 years

Mr. Gebelt applies his prodigious skills compassionately to help people who are facing financial difficulties. He takes a personal interest in every case and does all of the work himself. He won’t shunt you off to a paralegal but will work with you face-to-face to prepare and file your bankruptcy papers, attend the hearings with you, and deal forcefully with any aggressive creditors who violate the automatic stay that is triggered when he files your papers.

Lawsuits in the Bankruptcy Court can usually be avoided by careful pre-bankruptcy planning. However, if you do face a lawsuit in the Bankruptcy Court, Mr. Gebelt will vigorously defend you.

Mr. Gebelt represents individuals and married couples in Chapter 7, 11, and 13 bankruptcy cases; businesses in Chapter 7 and 11 cases; and all debtors in bankruptcy litigation.

Mr. Gebelt also represents creditors in bankruptcy litigation. He has successfully challenged plans of reorganization, gotten bankruptcy cases dismissed, and has gotten judgments determining that a debt is nondischargeable due to the debtor’s prepetition fraud.

He is dedicated to the highest level of client satisfaction by doing everything in his power to achieve his clients' goals.

Mr. Gebelt is not only a bankruptcy attorney, he is a board-certified bankruptcy law specialist, certified by the California State Bar’s Board of Legal Specialization. Although there are over 300,000 attorneys licensed by the California State Bar to practice law, there are fewer the 200 board-certified bankruptcy law specialists. The certification process is difficult and rigorous ― which is why there aren’t very many board-certified bankruptcy law specialists ― and is designed to produce bankruptcy attorneys of the highest caliber.

He is a former math professor and can clearly explain complex ideas to people without a technical backgrouond.  He has developed a great deal of patience, and is willing to take the time necessary to ensure that his clients understand the relevant bankruptcy law and what he is doing for them. 

He lectures periodically on bankruptcy.  Recent topics have included bankruptcy litigation, Chapter 13 bankruptcy, bankruptcy and family law, and bankruptcy related issues in real estate.


Photos and videos

Whittier Bankruptcy Attorney / Bankruptcy Lawyer in Whittier


Law Offices of Nicholas Gebelt
15150 Hornell St
Whittier, CA, 90604

Bankruptcy lawyers nearby


3.0 / 5.0
  2 customer reviews
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1 Star
Posted by Tim M | March 3, 2019
This review is from a person who hired this attorney.
| Hired Attorney
Very satisfied with Mr. Gebelts service!!
Mr. Gebelt is a true professional. I spoke with several attorneys about filing a Chapter 7 before coming across his YouTube videos. After I saw the videos I called his office. Out of all the attorneys I called, Nick took the most time to understand my specific situation and explain to me the process of a Chapter 7 Bankruptcy. Mr. Gebelt has a great way of explaining everything in a way that is easily understandable to someone who is not familiar with the intracacies of bankruptcy . This is helpful because sometimes when doing bankruptcy research a person can come across information and not comprehend what is being said and that causes confusion and worry. Nick eases those worries with his extensive knowledge on all aspects of the process and what to expect. He is a Board Certified Bankruptcy Law Specialist AND Commissioner, California State Bar Bankruptcy Law Advisory Committee. This means that he has put in extra work to attain an elevated distinction among his bankruptcy attorney peers. This is what you want in a bankruptcy attorney. This allows your mind to ease because if Mr. Gebelt says that he believes there won't be any issues with your case, you can rest assured that the probability of running into any issues is VERY small (as long as you are honest and upfront with all the information he requests that you provide to him.) Plus, Mary is very kind and available to answer any questions you may have. Mr. Gebelt has a sense of humor too, which is nice. All in all, I am satisfied with my decision to hire Mr. Gebelt for my Chapter 7 case. He will make this stressful situation much less trying.
Read less
Posted by anonymous | April 9, 2021
This review is from a potential client who consulted with this attorney.
| Consulted Attorney
Judgemental and ineffective
Nicholas Gebelt is very judgemental and disrespectful. His communication style is thoughtless and inefficient.


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AVVO RATING 8.6 (Excellent)

Work Experience

  • attorney / owner
  • Law Offices of Nicholas Gebelt
  • 2004 - Present


  • Univ of Virginia SOL
  • law
  • 2001
  • University of California, Los Angeles
  • Ph.D.
  • 1992
  • Univ of Washington
  • undergraduate
  • 1983


  • Whittier Bar Association
  • N/A
  • Federal Bar Association
  • N/A
  • National Association of Consumer Bankruptcy Attorneys
  • N/A
  • Inland Empire Bankruptcy Forum
  • N/A
  • Orange County Bankruptcy Forum
  • N/A
  • Central District Consumer Bankruptcy Attorneys Association
  • N/A
  • Southern California Bankruptcy Inns of Court
  • N/A
View all associations


  • Best Practices for Filing Chapter 13 (Inside the Minds)
  • Recent Trends in Chapter 13 and their Impact on Lawyers and Clients
  • 2012
  • National Business Institute
  • Negotiating Real Estate Loan Terms and Workout Options: Bankruptcy Implications
  • 2010
  • National Business Institute
  • Automatic Stay Litigation In A Nutshell
  • 2009
  • National Business Institute
  • The Basics of Chapter 13
  • 2009
  • Mathematische Zeitschrift 20-, 1-9
  • The Bergman Kernal On Certain Weakly Pseudoconvex Domains
  • 1995
View all publications

Speaking Engagements

  • Chapter 7 and 13 Bankruptcy: Line-by-Linda Workshop
  • Chapter 13 Bankruptcy: Line-by-Line Workshop
  • 2011

Attorney endorsements

Received (2)
Given (2)
Endorse Nicholas
Bankruptcy and debt Attorney | Apr 20
Relationship: Fellow lawyer in community
"I endorse this lawyer."
Chapter 13 bankruptcy Attorney | Jul 17
Relationship: Fellow lawyer in community
"Attorney Gebelt is one of those rare individuals who is working hard in his own practice and takes the time to help colleagues. As a bankruptcy specialist, he has the knowledge and skills to represent his clients well, whatever the issues may be."
Chapter 7 bankruptcy
Chapter 7 bankruptcy

Avvo Contributions

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Whittier Bankruptcy and debt Lawyer Nicholas Watts Gebelt
Nicholas Watts Gebelt
Bankruptcy and debt Attorney
Whittier, CA
Licensed for 22 years