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:
La Jolla Bankruptcy Lawyers: Home foreclosures
La Jolla Bankruptcy Attorney: Car repossessions
La Jolla Bankruptcy Lawyer: Garnishments
La Jolla Bankruptcy Lawyer: Credit card debt
La Jolla Bankruptcy Attorneys: Creditor harassments
La Jolla Bankruptcy Lawyers: Lawsuits
For us, filing bankruptcy is about solving your problems and helping you move on.
La Jolla
La Jolla is a wealthy seaside resort community of up to 42,808 residents within the city of
San Diego, California. Population figures are imprecise because La Jolla's borders are indistinct.
Generally the community's border starts at Pacific Beach to the south and extends along the Pacific Ocean
shore north to include Torrey Pines State Reserve ending at Del Mar, California.
Along the way La Jolla encompasses neighborhoods like Bird Rock, Windansea, the La Jolla commercial
"village", La Jolla Shores, La Jolla Farms, Torrey Pines, Mount Soledad and La Jolla Village
(including La Jolla Village Square).
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Our Affiliates
The Pacific Bankruptcy Center, Located in San Diego California is one or the
leading consumer bankruptcy firms in Southern California.
For Attorneys in California we recommend
Bankruptcy Lawyer in San Diego,
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.
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