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).
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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:
Solana Bankruptcy Lawyers: Home foreclosures
Solana Beach Bankruptcy Attorney: Car repossessions
Solana Beach Bankruptcy Lawyer: Garnishments
Solana Beach Bankruptcy Lawyer: Credit card debt
Solana Beach Bankruptcy Attorneys: Creditor harassments
Solana Beach Bankruptcy Lawyers: Lawsuits
For us, filing bankruptcy is about solving your problems and helping you move on.
Solana Beach
In the state legislature Solana Beach is located in the 38th Senate District, represented
by Republican Mark Wyland, and in the 74th Assembly District, represented by Republican
Martin Garrick. Federally, Solana Beach is located in California's 50th congressional
district, which has a Cook PVI of R +5[5] and is represented by Republican Brian Bilbray.
Solana Beach is a General Law City operated by a Council/Manager form of government.
The City Council serves as a legislative body and consists of five Council members,
one of whom is chosen to act as Mayor for a one-year term on a rotating basis.
Council members are leaders and policy makers elected as representatives to
concentrate on policy issues that are responsive to the needs of the citizens
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