Our Attorneys
Our 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 Can Stop Foreclosure
Filing a Chapter 7 case only temporarily sidetracks a
lender’s right to foreclose until it gets permission
to go forward with the foreclosure proceedings by requesting
and receiving “relief from the automatic stay” from the court.
That relief is likely to be granted unless you can immediately
bring your account up to date, demonstrate a likelihood and
that you’ll continue to make payments when due, and show that
your equity in the home provides a sufficient “cushion” for the
lender. In some bankruptcy districts, you must also negotiate a
formal “reaffirmation agreement” with the lender.
A Chapter 7 never permanently stops a foreclosure, unless
the creditor agrees and homestead (exemption) laws stop the
trustee from selling the property.
Most people who file for bankruptcy have big arrearages
on their mortgage that they can’t pay off right away.
The solution to that problem that allows them to keep
their home is to file under Chapter 13 bankruptcy. The
Chapter 13 plan provides for continuing monthly payments
on the mortgage and paying off the arrearages over the
life of the plan (three to five years).
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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:
San Diego Bankruptcy Lawyers: Home foreclosures
San Diego Bankruptcy Attorney: Car repossessions
San Diego Bankruptcy Lawyer: Garnishments
San Diego Bankruptcy Lawyer: Credit card debt
San Diego Bankruptcy Attorneys: Creditor harassments
San Diego Bankruptcy Lawyers: Lawsuits
For us, filing bankruptcy is about solving your problems and helping you move on.
San Diego County California
San Diego County is a county located on the Pacific Ocean
in the far southwest of the U.S. state of California, United
States along its border with Mexico. According to the 2000
Census, its population was 2,813,833, making it the third
largest county by population in the state and the sixth
largest in the country. The state of California estimates
its population as of 2007 to be 3,098,269 people, increasing
its rank to second place, ahead of Orange County.
The county seat is the city of San Diego.
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