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Julie J. Villalobos

Bankruptcy and debt Attorney at Cerritos, CA

5.0   11 reviews

also known as Julie Jaleh Moradi-Lopes

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About Julie

Learn Julie’s areas of practice.

Practice areas
  1. Bankruptcy and debt
    Oaktree Law specializes in bankruptcies that provide relief for homeowners and their businesses. Whether Chapter 7, Chapter 13 or Chapter 11 is appropriate, an experienced Oaktree Law bankruptcy attorney is prepared to see your case through. We’ll help file, process and negotiate your bankruptcy on the way to a fresh start.

    15 years, 750 cases

  2. Foreclosure
    Mortgage holders benefit when you are unaware of your rights. But an experienced foreclosure defense lawyer can provide powerful legal tools and may be able to offer real foreclosure help in Orange County. Oak Tree Law specializes in foreclosure defense throughout Southern California. Our experience can help guard your family’s financial freedom and stop foreclosure in Los Angeles.

    15 years, 600 cases

  3. Litigation
    Oaktree Law is skilled in mortgage litigation and may be able to defend against claims on your home. In their rush to make money, not all lenders and mortgage servicers follow the letter of the law. Their oversight may be their vulnerability.

    15 years, 100 cases

  4. Real estate
    Oaktree Law attorneys are proven experts in real estate law. We consistently uphold the rights of local homeowners and their businesses. When you need assistance concerning any aspect of a real estate transaction, we can help. Every real estate transaction is unique. Our specialized attorneys are well versed in current Southern California law and its real estate implications. Regardless of the complexities of your case, we offer insight and guidance.

    15 years, 500 cases

Julie J. Moradi-Lopes, has helped hundreds of clients with foreclosure prevention, bankruptcy debt relief, and asset protection, throughout Southern California. Ms. Moradi-Lopes specializes in Chapters 7, 11 and 13 bankruptcy cases, as well as home loan modifications, and estate planning.

Ms. Moradi-Lopes received her Juris Doctor Degree, from Loyola Law School, Los Angeles, on a full academic scholarship, and is a member of the California Bar Association. She graduated Summa Cum Laude with a Bachelor of Arts from Whittier College, was named the Business Administration graduate of the year, and was awarded the highest honors in her major. Ms. Moradi-Lopes is very involved in her church and community, and spends her free time with her husband and children.

Founded by Julie J. Moradi-Lopes, Oak Tree Law offers bankruptcy assistance and foreclosure defense in the Los Angeles and greater Orange County area. Oak Tree Law is able to assist clients with both chapter 13 bankruptcy and chapter 7 bankruptcy, can help stop wage garnishment, and is able to help homeowners utilize programs like lien stripping, short sales, the HAMP, and home loan modification in Orange County that can allow homeowners to keep their homes and bring payments under control.

Photos and videos

Licensed for 13 years
State CA
Status Active
Acquired 2009
Updated 12/01/2022

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

Contact Julie

Oaktree Law
10900 183rd St
Ste 270
Cerritos, CA, 90703


5.0 / 5.0
  11 customer reviews
5 Star
4 Star
3 Star
2 Star
1 Star
Posted by anonymous | October 7, 2020
This review is from a person who hired this attorney.
| Hired Attorney
My attorney was most helpful in resolving my debt issue in a timely and efficient manner. She and her staff responded quickly to my questions. I am extremely grateful for her success in ending my dire situation.
Posted by John E | April 28, 2019
This review is from a person who hired this attorney.
| Hired Attorney
The Best
Don't bother shopping around, She is the best. Didn't know what I was doing and made so many mistakes. She led me by the hand and explained everything till even a dunce like me could understand. She made things work out to my favor and gave a NEW lease on life. p.s. I am not being overly dramatic
Posted by Marjorie | June 27, 2017
This review is from a person who hired this attorney.
| Hired Attorney
Thank you
If i could give them 10 I would. They saved my house, helped me to bankrupt all of my bad debt & saved this 81 year old grandmother of 4 from being homeless!!! Julie, Mark, Julie's brother, Ed, & the whole gang, were, kind & sweet & patient to me, & in many ways I feel I owe my life to them. without them I might be dead or homeless. May god bless you oak tree law!!!
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Posted by Christina | October 16, 2016
This review is from a person who hired this attorney.
| Hired Attorney
Excellent Attorney
We messed up our first Bankruptcy. Had to wait for 6 months to refile Oaktree fixed everything we messed up, put us back on track. Saved our home, fixed our tax issues, got the creditors off our backs. When we went to court they helped us so we would be prepared for the trustee. We are in a 13, so anytime we have a question Oaktree is there to answer any question that we have always available. I highly recommend this law group.
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Posted by Rachael | April 28, 2015
Had our backs.
Fantastic firm. Julie was with us thru the court proceedings and shes a doll! She really had our backs. I would definitely use them in the future and have already recommended them to a few friends. You will be in good hands with Oaktree Law.
Posted by Sonia | October 10, 2014
Julie cares about you and your case. Great attorney.
I heard an ad on KFI about Oaktree Law. The radio announcer sounded sincere about their reputation and after a day or so I called. I was EXTREMELY hesitant to talk to another lawyer but the minute I spoke to Julie Villalobos it was apparent that she cared……yes, cared! She gathered more information and did more for me during my FREE initial visit than my entire 3 years with another attorney. It took Julie 4 days to file the appeal and get my case back in order. We continued filing motions for an additional year so that I could juggle my finances and send my daughter to college. Just last month I made my last bankruptcy payment and my case is closed! Julie and her team not only helped and did their job, they put a personal touch on the case by giving it their full attention and keeping me updated through email, phone calls, emails and texting. Julie is tenacious. I can’t believe the difference in services. I have now begun the Loan Modification process with Marissa Pitts at Oaktree. Things are flying by and we should be filing next week. I know better days are on the horizon and can only say that the radio ad set my family on a new course……THANK YOU OAK TREE LAW.
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Posted by Isela | February 20, 2014
Professional and knowledgeable on the bankruptcy procedure
I met with the owner Julie Lopes, she is absolutely fantastic!! She was always there every time I had a question, and I had many questions. I cannot tell you what peace of mind I had to get this bankruptcy done. Julie and her firm are professional and knowledgeable on the bankruptcy procedure. I have recommended this firm to all my friends and family.
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Posted by Lisa | February 21, 2013
Expert Attorney when Dealing with Foreclosures
We were clients of another loan modification company. It turned out they took our money and did nothing to help us. By the time we discovered Oak Tree Law, we were financially over-stressed and were out of options. Julie Moradi Lopes saved us! She took care of our bankruptcy and then handled the loan mod. We didn't think we could qualify for one since we had filed the bankruptcy. What the previous company could not obtain for us in 2 years was done in less than 6 months. The office was there representing us through every single step. This meant a lot. Our Loan Co. was one of the tough ones. They saved our home! I have referred friends and will continue to do so. Thank you Guys!!!! Mike and Lisa Gutzwiller
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Posted by Candy | January 14, 2013
Julie saved my home
I was in a state of panic when I contacted them, I had just received a letter stating my house was going to a trustee sale in three weeks. I called Oaktree Law at 8:30 am and I was seeing Julie Moradi Lopes by 1:00. She is amazing, kind hearted and understood everything I was going through. She filed everything right away, and put a stop to the nonsense that B of A was putting us through. Julie is a very smart lady and knows all of the ends and outs of BK law, always has the right answer, calls or emails you back immediately she and her staff are on top of everything. Thank you for always being caring, positive and taking care of my family. A VERY SATISFIED HAPPY CLIENT!
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Posted by Debra | July 18, 2012
Honest and Caring
To whom it may concern, I called Oak Tree Law offices due to Friend's recommendation to finally use legal help. I heard the Ad on THE FISH radio station. From the first call I was greeted with an energetic nice voice that smiled over the phone. Her reassurance alone was helpful in relieving some stress. Upon my first visit with Julie Moradi-Lopes, the lawyer that I had made an appointment with, I felt confident. Julie is so kind, easy to talk to, no judgment, and SO knowledgeable. I knew with all my questions, worries and stress, that in our very first meeting, I was going to be personally cared for. She gave me a number to always reach her, told me not to worry, the rest was her job to take care of me. By THAT afternoon, she had already emailed allot of information, and the ball was rolling. The care I received was amazing! The process, while a couple bumps..( not to the fault of my attorney) went very smooth. I had what I call.. true Hand-holding throughout. I cannot say enough about my experience with this company, and Julie Moradi Lopes. She was truly amazing, and I feel like I have made a new friend, I pray, for life. I will recommend without hesitation, This Firm; as they are Integral, and Honest, and informative on every level. Thank you for being there through one of the most difficult times I've endured. Sincerely, Debra
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Posted by Delfina | May 25, 2012
Julie Moradi-Lopes was able to help our family out. I first went to her law firm Oak Tree Law to get help with saving our home that we wanted to keep. She was able to do a chapter 13 bankruptcy for us and protect the home from being sold which was a tremendous relief for me and my husband. She was very professional throughout the whole process and was always able to answer our questions. She is a very caring and honest person. Thanks Julie.
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  • Free Consultation 60 minutes
  • Hourly Rates $ 125-400 per hour
  • Retainer Sometimes
Payment methods
Cash, Check, Credit Card


AVVO RATING 7.8 (Very Good)

Work Experience

  • Owner - Lead Attorney
  • Oaktree Law
  • 2010 - Present


  • Loyola Law School
  • JD - Juris Doctor
  • 2008
  • Whittier College School of Law
  • BA - Bachelor of Arts
  • 2004

Legal Cases

  • Success
  • Chapter 13 Bankruptcy for Couple
  • Won


  • Bar Rights Advisory Group - Chapter 11 Bankruptcy
  • Member
  • 2014 - Present
  • United States District Court for the Eastern District of California
  • Admitted
  • 2012 - Present
  • United States District Court for the Southern District of California
  • Admitted
  • 2012 - Present
  • United States District Court for the Northern District of California
  • Admitted
  • 2012 - Present
  • Los Angeles Bankruptcy Forum
  • Member
  • 2012 - Present
  • National Association of Consumer Bankruptcy Attorneys
  • Member
  • 2012 - Present
  • Los Angeles Police Protective League
  • Member
  • 2011 - Present
  • United States District Court for the Central District of California
  • Admitted
  • 2009 - Present
  • State Bar of California
  • Member
  • 2008 - Present
  • Loyola Law School Alumni Association
  • Member
  • 2008 - Present
  • Womens Law Society - Loyola Law School
  • Member
  • 2005 - Present
View all associations

Languages Spoken

  • English
  • Farsi
  • Spanish


  • AV Peer Review Rating
  • Martindale-Hubbell
  • 2016
  • A+ Rating
  • Better Business Bureau
  • 2016
  • A+ Rating
  • Better Business Bureau
  • 2015
  • A Rating
  • Better Business Bureau
  • 2014
  • A Rating
  • Better Business Bureau
  • 2013
  • AV Rated
  • Martindale-Hubbell
  • 2013
  • Excellence in Leadership
  • Womens Law Society
  • 2013
  • AV Rated
  • Martindale-Hubbell
  • 2012
  • Dean Academic Scholarship
  • Loyola Law School
  • 2009
  • Business Scholar of the Year
  • Whittier College
  • 2004
View all awards

Speaking Engagements

  • National Association of Chapter 13 Trustees
  • Chapter 13 Bankruptcy and Loan Modifications
  • 2013
  • Awards Luncheon
  • Education and Career
  • 2013
  • Home Ownership Matters
  • Foreclosure Protection
  • 2011
View all speaking engagements

Attorney endorsements

Received (1)
Given (1)
Endorse Julie
Chapter 13 bankruptcy Attorney | Jul 25
Relationship: Fellow lawyer in community
"Julie Jaleh Moradi-Lopes asks the right questions without stepping off the cliff with a misleading or dishonest answer. This shows she has a vast wealth of experience in bankruptcy law as well as having the integrity not to give an easy answer. I am proud to be the first attorney here on AVVO to offer Julie my heartfelt endorsement for her good work."
Chapter 11 bankruptcy