Our Attorneys
Our El Cajon 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:
El Cajon Bankruptcy Lawyers: Home foreclosures
El Cajon Bankruptcy Attorney: Car repossessions
El Cajon Bankruptcy Lawyer: Garnishments
El Cajon Bankruptcy Lawyer: Credit card debt
El Cajon Bankruptcy Attorneys: Creditor harassments
El Cajon Bankruptcy Lawyers: Lawsuits
For us, filing bankruptcy is about solving your problems and helping you move on.
El Cajon
El Cajon is a city in San Diego County, California, United States.
The population was 94,869 at the 2000 census. El Cajon is Spanish for "The Box",
relating to it being a parcel of land granted out of the vast Mission San Diego
de Alcala tract and used for farming by Spanish missionaries
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