Best Bankruptcy Attorney In San Diego – Bankruptcy Lawyer

We have advised, on numerous occasions, that when contemplating filing bankruptcy in San Diego, it is better not to do it on your own. Hiring the best bankruptcy attorney in San Diego may be a little costly, but this cost could be the difference in your obtaining a full discharge and a reorganization of your debts and getting your bankruptcy dismissed. As a San Diego bankruptcy lawyer specializing in Chapter 7 and Chapter 13 cases, I have seen many of my clients try to work on the preparation of their bankruptcy filing on their own, only to discover, after seeking counsel, that many things are wrong and could not be corrected. Many of my San Diego Chapter 13 bankruptcy clients are hesitant of lawyers and wait until the last minute to seek their advice. The debtor and bankruptcy lawyer should work together as a unit. Your bankruptcy lawyer was specifically hired to defend you and obtain for you the fresh start you deserve. Debtor-clients do not have to hide any information from their bankruptcy lawyers. There is what is known as the “lawyer-client” relationship where lawyers are forbidden from disclosing information obtained from their clients.

Choose your bankruptcy attorney wisely. San Diego Chapter 13 bankruptcy filings may take more time than you expected, and you, as the debtor-client, will spend a lot of time with the lawyer and his or her staff. Take the time to get to know your lawyer, and his staff as well. They will become your confidantes, if not your friends, in the several months that encompass your bankruptcy proceeding. I think it goes without saying your want the best bankruptcy attorney in San Diego without paying exorbitant fees.

How do you choose your bankruptcy lawyer? First, you look into their work history and credentials. You can look around the Internet. But here, you will run the risk of bloated advertisements and newbie lawyers who can afford a lot of advertising and outstanding PR relations. It is better to ask referrals from people you know who has successfully filed and emerged from similar Chapter 13 bankruptcy cases. Word-of-mouth is still the best advertising an attorney could have.  Better yet, talk with the attorney face-to-face.

Second, arrange for a meeting with the attorney. Prepare the questions you want to ask the lawyer and ask those questions. Keep in mind you will disclose a lot of information about your life that you may not want to share with a lot of people, lest of all, a stranger. But remember that finding a good lawyer may be the only difference between a successful bankruptcy case and a failed one. Find a lawyer that you feel most comfortable with.

We pride ourselves on staying up-to-date with the ever-changing bankruptcy laws that will effect your case. The award-winning bankruptcy lawyers at The Law Office of Harold D. Thompson will help you maximize the laws to help financially-distressed individuals obtain a fresh start. Please call our office at 888.590.1773 for a free-no hassle consultation, download a copy of our free California Guide to Bankruptcy or find out how you can become a client right now.

Bankruptcy Attorney In San Diego – Stop Foreclosure In San Diego

We all know that the real financial crisis was spawned by the real estate bubble and the subprime mortgage market. Ironically, many of the companies that started the mess sought the protection of the bankruptcy court when their business were no longer viable. That financial crisis did not just hit companies, it also affected individuals who bought into subprime mortgages in the hopes of finally having a house of their own. In this post we want to look at those individuals and how a Chapter 7 or Chapter 13 could might help.

As a San Diego bankruptcy attorney specializing in Chapter 13 cases, I have seen many of my clients get stumped on what do when faced with a foreclosure by their bank. Many times this starts with a Notice of Default followed by a Notice of Sale. But, how do we stop a foreclosure in San Diego? These clients were ordinary hard-working people who got involved in a financial mess not by their own doing. This is not to say that some people didn’t made poor financial decisions but the lure of the “America Dream” was just too strong.

In years following the financial crisis, several bankruptcy courts around the country have created mediation programs that facilitate negotiations between struggling homeowners and servicers in order prevent foreclosures. The mediation programs have been heavily-criticized and opposed, especially by banking and mortgage industry groups. One of the criticisms against the program is, unlike mediation programs for personal injury, contract disputes, and divorces, the mortgage mediation program had “no teeth.” In other words, there was really no judicial support behind the program so there was no incentive for the parties to participate in good faith in order to resolve their problems.

The program had short-lived success. In April 2011, the Senate Judiciary Committee approved a bill clarifying the authority of bankruptcy courts in running the mediation programs. Bankruptcy judges who support the program say the mediation programs represent the one and only time a San Diego Chapter 13 debtor can express himself and his problems without fear that his own words will be taken against him. Mediation can provide a Chapter 13 debtor with a forum to clarify issues and lay out possible modifications of their mortgage under their Chapter 13 reorganization plan. The program, though, is just so new lenders are not taking the mediations seriously and, therefore, they have done little to help stop foreclosures in San Diego.

When you are facing the prospect of a foreclosure in San Diego you way a team of bankruptcy attorneys that will fight for your rights and save your home. The award-winning lawyers at The Law Office of Harold D. Thompson are trained to utilize the best strategy to help financially-distressed individuals obtain a fresh start. Please call our office at 888.590.1773 for a free-no hassle consultation, download a copy of our free California Guide to Bankruptcy or find out how you can become a client right now. We promise, your expectations will be exceeded.