Category Archives: Chapter 7

Prepare for Bankruptcy Filing: Take These Steps

San Diego Bankruptcy Attorneys – Filing for a Chapter 7 or Chapter 13 bankruptcy is never an easy decision. It can be even more stressful if you are trying to figure out what your bankruptcy attorney needs and how take the steps that will get you on your way to a fresh start on your…

The Basics Of A Chapter 7 Bankruptcy

San Diego Bankruptcy Attorney – San Diego Chapter 7 Help As a San Diego bankruptcy attorney, I want you to know that when a potential client seeks Chapter 7 help, there are certain preliminary questions that need to be answered and documents that need to be compiled. The following list is meant to give you…

Life After Filing For Bankruptcy Protection

Carlsbad Bankruptcy Lawyers – San Diego Bankruptcy Attorneys Another lasting myth that Carlsbad bankruptcy lawyers must dispel is that filing for Chapter 7 or Chapter 13 debt relief protection will ruin your credit for tens of years or longer. This is just not true. As San Diego bankruptcy lawyers, we see hundreds of bankruptcy candidates…

Chapter 7 & Chapter 13 Bankruptcies At Highest Levels Since 2005

Escondido Bankruptcy Attorney – San Diego Bankruptcy Lawyer More people are seeking the advice of an Escondido bankruptcy attorney. In fact, not since 2005 have so many people sought Chapter 7 or Chapter 13 debt relief in San Diego. A new report from Reuters shows some fairly alarming numbers. Almost 160,000 bankruptcies were filed, nationwide,…

Watch Out For Phoney Wage Garnishment

Chula Vista Bankruptcy Lawyer – San Diego Bankruptcy Attorney In tough economic times, people will go to extreme measures to retain their capital. As a Chula Vista bankruptcy lawyer I probably see it more than most when people come seeking advice about Chapter 7 or Chapter 13 debt relief. Sometimes, a wage garnishment is the…

Bankruptcy Judges Should Be Able To Modify Home Loans

Oceanside Bankruptcy Attorney – San Diego Bankruptcy Lawyer We all know, especially here in Southern California, that the recession was led by a hemorhaging housing market. That housing market is where all our financial difficulties began. People were pulled into loans that they could not afford under the guise that housing prices would continue to…

Don’t Judge Those In Financial Distress

San Diego Bankruptcy Attorney – San Diego Foreclosure Attorney When consumers in San Diego seek Chapter 7 or Chapter 13 bankruptcy relief, you can see in their eyes that all they want is to tell you that they are not bad people and they never dreamt they would be seeking help from a San Diego…

What To Ask Your Bankruptcy Lawyer.

San Diego Bankruptcy Lawyer – Escondido Foreclosure Attorney So often times we see people in San Diego picking their attorney based on the wrong criteria. They see flashy website and huge advertising budgets and they assume that the attorney must be good. Wrong! This is called marketing, not legal competence. When you are choosing  San…

Personal Bankruptcies Hit An All-Time High, No Relief In Sight

San Diego Bankruptcy Lawyer – Chula Vista Bankruptcy Attorney Personal bankruptcies have increased over 10 percent in the first quarter of 2010, in relation to the first quarter of 2009.  These large increases in Chapter 7 and Chapter 13 debt relief cases are in states that already had the highest rates of bankruptcy.  As San…

San Diego Foreclosure Lawyer: Remove Your Second Mortgage Through A Chapter 13 Loan Modification Before Home Values Increase

San Diego Foreclosure Lawyer We are finding that an increasing number of people in Southern California qualify to decrease, or even wipe out, the 2nd mortgage on their home. As we have discussed before, the San Diego homeowner must have a higher loan amount than the value of their home.  In other words, for example,…