Our Attorneys
Our Rancho Bernardo 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.
Chapter 7 Bankruptcy and Credit Card Debt
Chapter 7 Bankruptcy eliminates or reduces credit card debt, medical debt,
and “unsecured” debt. It may reduce or eliminate your tax debt. It does not
reduce child support debt or school loans. It takes about 4 months to complete
the bankruptcy process and you must attend one hearing and cooperate with a
Trustee appointed by the court.
Chapter 13 Bankruptcy and Credit Card Debt
Chapter 13 Bankruptcy reduces and reorganizes your debt so that you can repay some
or all of it through a plan of up to 5 years. If you have several hundreds
of dollars of additional income each month after paying your necessary
expenses, or if you are behind on your house payments, car payments, or
are "upside-down" on your car loan (owing more for the car than its worth),
a Chapter 13 may be a good option for you.
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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:
Rancho Bernardo Bankruptcy Lawyers: Home foreclosures
Rancho Bernardo Bankruptcy Attorney: Car repossessions
Rancho Bernardo Bankruptcy Lawyer: Garnishments
Rancho Bernardo Bankruptcy Lawyer: Credit card debt
Rancho Bernardo Bankruptcy Attorneys: Creditor harassments
Rancho Bernardo Bankruptcy Lawyers: Lawsuits
For us, filing bankruptcy is about solving your problems and helping you move on.
Rancho Bernardo
Rancho Bernardo is a planned community of the city of San Diego, California, located in
San Diego County. It is geographically located about 20 miles north-north-east of downtown
San Diego, immediately north of Carmel Mountain Ranch, northwest of the city of Poway and
south of Escondido.
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Our Affiliates
The Pacific Bankruptcy Center, Located in San Diego California is one of
the leading consumer bankruptcy firms in Southern California.
For Attorneys in San Diego County we recommend
California bankruptcy lawyer,
representing debtors under Chapter 7, and under Chapter 13 for no money down
Our Fee's
The Pacific Bankruptcy Center is the only lawyer in San Diego County of which we are
aware that has our no money down fee policy for Chapter 13 bankruptcy Cases. We represent
wage earners in Chapter 13 for no money down, with a wage order and the balance paid through
a trustee as part of the Chapter 13 plan, and not paid directly to the attorney, The Bankruptcy
court filing fee of $274.00 is extra.
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