Call us before it's to late...
we stop foreclosures, garnishments, repossessions
and reducing debt while helping you regain financial control.
When the swirl of debt has paralyzed you, let Absolute
Bankruptcy and Charles Andersen help you regain financial control using the
Bankruptcy Code!
Bankruptcy and Car Repossessions
The number one mistake people who have had a car repo in Ocean Beach
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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| We work with you to help you keep as much of your property as possible while putting an
immediate stop to:
Ramona Bankruptcy Lawyers: Home foreclosures
Ramona Bankruptcy Attorney: Car repossessions
Ramona Bankruptcy Lawyer: Garnishments
Ramona Bankruptcy Lawyer: Credit card debt
Ramona Bankruptcy Attorneys: Creditor harassments
Ramona Bankruptcy Attorneys: Lawsuits
For us, filing bankruptcy is about solving your problems and helping you move on.
Ramona, California
Ramona is an unincorporated community (with plans of incorporation) in San Diego County,
California, USA. The United States Census Bureau had divided Ramona into two census-designated
places, the Ramona CDP and the San Diego Country Estates CDP. The population of the CDPs,
which does not include the fringe areas surrounding the CDPs, was 25,223 at the 2000 census.
The Ramona Community Planning Area had a population of 33,404 at the 2000 census. The
January 1, 2006, population of the Ramona Community Planning Area is estimated to be 36,405
by the San Diego Association of Governments (SANDAG).
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