Episode 52

Episode 52: Sevan Gorginian

What's In This Episode?

Bankruptcy is one of the most powerful and misunderstood legal mechanisms in the American justice system. In this episode of Harry Handles It, Harry Nalbandyan sits down with premier Glendale bankruptcy and trust attorney Sevan Gorginian of Gorginian Law to unpack the true mechanics of consumer debt, litigation stays, and creditor rights.

Sevan brings over 13 years of specialized experience helping everyday individuals navigate catastrophic debt, aggressive collection agencies, and complex financial restructuring. Together, Harry and Sevan dive into what really happens when a corporate defendant files for bankruptcy during a personal injury case, how Purchase Money Security Interest (PMSI) liens work on everyday store credit cards, and why an automatic stay can bring multi-year civil trials to a sudden halt overnight.

Whether you are a trial lawyer managing claims against insolvent defendants, a business owner evaluating partner guarantees, or an individual dealing with debt collectors, this episode provides clear, practical insights into the bankruptcy process.

Episode Chapters

00:00 – Introduction & Welcome Sevan Gorginian

02:30 – The Emotional Reality of Consumer Bankruptcy

06:17 – Managing High-Anxiety Clients & Breaking the Tension

08:50 – Aggressive Debt Collector Tactics & Legal Limits

10:12 – PMSI Liens: What Best Buy and Home Depot Credit Cards Actually Own

13:12 – Personal Injury Claims vs. Corporate Bankruptcy (99 Cents Stores, Rite Aid)

17:25 – Stopping Trials Instantly: The Power of the Automatic Stay

19:40 – What Bankruptcy Protects (and What It Can’t Stop)

22:00 – Practical Legal Tech: Using Gemini AI in Practice

23:25 – How to Connect with Sevan Gorginian

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