Our Attorneys
Our downtown San Diego bankruptcy attorneys handle consumer bankruptcy
cases exclusively. We are one of the leading personal bankruptcy
law firms in Southern California, currently filing hundreds
of bankruptcy cases per year.
Bankruptcy and Car Repossessions
The number one mistake people who have had a car repo in Oceanside
is giving the car back and pretending it's all over. Months go by
and they think life has returned to normal. Wrong! You have a lawsuit
in your future, and the longer you put it off, the more penalties
and interest are going to hit you until you deal with it. If you
pretend it's over, you're fooling yourself. If you wait too long,
we can't help you because you've you don't have time or money to
stop the garnishment. Then you are stuck letting them suck your
paycheck every pay period until you've paid the whole thing.
Chapter 13 can Stop Repossessions
Chapter 13 can stop repossessions. If a car or other
vehicle has been repossessed but not sold by the creditor
when the case is filed, the court may order the creditor to
return it to you. Under Chapter 13, interest charges may be
reduced, and your monthly payments can often be lowered.
In certain cases, the balance secured by the vehicle may be
reduced to its market value, even if this is much less than
the loan balance. [11 USC §1325(a)(5) & unnumbered last subparagraph]
In Chapter 13, you pay for the car in a single monthly payment
which consolidates all of your bills. Often this one payment
can be lower than your old car payment alone.
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property as possible while putting an immediate stop to:
Oceanside Bankruptcy Lawyers: Home foreclosures
Oceanside Bankruptcy Attorney: Car repossessions
Oceanside Bankruptcy Lawyer: Garnishments
Oceanside Bankruptcy Lawyer: Credit card debt
Oceanside Bankruptcy Attorneys: Creditor harassments
Oceanside Beach Bankruptcy Lawyers: Lawsuits
For us, filing bankruptcy is about solving your problems and helping you move on.
Oceanside
Oceanside is the third largest city in San Diego County, California. The city has a population
of 173,303. Together with Vista and Carlsbad, it makes up the Tri-City area. The city is just
south of U.S. Marine Corps Base Camp Pendleton, the busiest military base in the United States.
Oceanside has grown massively from the 1970 census report of 45,000 people. Much of the city
area was developed into single-family home tracts when real estate booms took place in the
1970s and 1980s. Since 1990, more commercial and industrial development diversified
Oceanside's economic base, with another population boom ever since. According to the
US census, Oceanside's continual growth will put the city population estimates above
the 200,000 mark in 2010 or exceed 250,000 by the year 2020.
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