Chapter 13

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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 Can Stop Foreclosure

Filing a Chapter 7 case will sidetrack a lender’s right to foreclose. Unless a lender can get permission to go forward with the foreclosure proceedings by requesting and receiving “relief from the automatic stay” from the court, you are "home free". That relief is not likely to be granted unless the lender  can demonstrate "lack of adequate protection" by showing depreciating collateral or one of several other means. The burden is always on the creditor in a lift stay proceeding to show special and unusual circumstances, and the lender must further demonstrate to the court that the property is not necessary to the debtors effective debt reorganization.

A Chapter 7 can permanently stop a foreclosure, if the creditor agrees or the homestead (exemption) laws stop the liquidation of the property.

If the conditions above that must be met in Chapter 7 cannot be met in order to permanently stop a foreclosure. The solution to that problem that then is to file under Chapter 13 bankruptcy. The A confirmed Chapter 13 plan can provide for continuing monthly payments on the mortgage and paying off the arrearages over the life of the plan (three to five years).
Bankruptcy
Bankruptcy
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.

 

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 Absolute Bankruptcy, serve clients in Southern California, including San Diego County, San Bernardino County, and Riverside County, Imperial County and the cities of San Diego, Riverside, San Bernardino, Chula Vista, National City, La Mesa, El_Cajon, Imperial Beach, Mission Beach, 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, Carlsbad, San Diego. Calipatria. Holtville. Imperial. Brawley. Calexico, El Centro, Banning, Beaumont, Blythe, Calimesa, Canyon Lake, Cathedral City, Corona, Coachella, Desert Hot Springs, Hemet, Indian Wells, Indio, Lake Elsinore, La Quinta, Menifee, Moreno_Valley, Murrieta, Norco, Palm Desert, Perris, Rancho Mirage,

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