Chamber Building
110 West C Street
San Diego, CA 92101

Chapter 13

Bankruptcy Lawyers in La Mesa: The Pacific Bankruptcy Center

Our Attorneys

Our La Mesa 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).

We work with you to help you keep as much of your property as possible while putting an immediate stop to:

La Mesa Bankruptcy Lawyers: Home foreclosures

La Mesa Bankruptcy Attorney: Car repossessions

La Mesa Bankruptcy Lawyer: Garnishments

La Mesa Bankruptcy Lawyer: Credit card debt

La Mesa Bankruptcy Attorneys: Creditor harassments

La Mesa Bankruptcy Lawyers: Lawsuits

For us, filing bankruptcy is about solving your problems and helping you move on.

La Mesa California

The City of La Mesa was incorporated on February 16, 1912, under the general laws of the State of California. As such, it does not have a City charter but operates under the laws of the State of California in all respects not specifically covered by any City ordinance. The City Council consists of five members who are elected from the City at large. The Mayor is elected directly by the citizens of La Mesa. The current mayor is Art Madrid.

Our Affiliates

The Pacific Bankruptcy Center, Located in San Diego California is one or the leading consumer bankruptcy firms in Southern California.

For Attorneys on the East Cost we recommend New York Bankruptcy Lawyer in Elmira, representing debtors and creditors 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.

About Us

The bankruptcy attorneys of the Pacific Bankruptcy Center, serve clients in Southern California, including San Diego County, San Bernardino County, and Riverside County; and the cities of San Diego, Riverside, San Bernardino, Chula Vista, National City, La Mesa, El_Cajon, Imperial Beach, Mission Bay, Hillcrest, Ramona, Julian, Escondido, San Marcos, Vista, Oceanside, Encinitas, Solana Beach, Del Mar, Rancho Bernardo, Rancho Santa Fe, La Jolla, Pacific Beach, Ocean Beach, Little Italy, Old Town, Mira Mesa, North Park, Temecula, and Carlsbad.

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