How Bankruptcy Can Help You

San Diego Chapter 7 Lawyer – San Diego Chapter 13 Attorney

Getting San Diego Chapter 7 or Chapter 13 debt relief can be a fantastic way to get the fresh start and piece of mind you deserve. When you make the decision to seek bankruptcy help it is important to know how bankruptcy can help you. Our experienced San Diego Chapter 7 & Chapter 13 lawyers can give you all the information you need.


Call the experienced bankruptcy lawyers in San Diego at Thompson | Wedeking. We can file your bankruptcy for as little as $800.00. Call us today, toll free, at 1(888) 590-1773 or send us an email. We have helped thousands across Southern California, let us help you!


Depending on your financial situation, a San Diego Chapter 7 or Chapter 13 may help in the following ways:

Get rid of your unsecured debt. In a San Diego Chapter 7 you will most likely not have to pay anything or lose any assets. In a San Diego Chapter 13 you will most likely pay much less in your monthly plan than you already were.

Once the automatic stay is entered it will stop all creditor harassment and collection activity.

In a San Diego Chapter 13, you will enter into a repayment plan in order pay off your creditors. In the long run, over a period of three to five years, you will end up paying much less than you owe. A San Diego Chapter 13 bankruptcy will also allow you to keep some of your assets that you would have to liquidate in a Chapter 7.

But, you will want to make sure you understand what debts a San Diego bankruptcy will not eliminate:

Generally, student loans are non dischargeable unless you can prove that the loans are an undue hardship on your finances. This is very difficult to do.

Further, certain obligations dealing with a divorce decree or marital separation are not dealt with in a San Diego bankruptcy. In particular, child support and spousal support are not dischargeable.

If you got a judgment that was based on fraud or other intentional conduct it may be very difficult for bankruptcy court to discharge it.

Finally, if you refuse or forget to include your debts in your San Diego Chapter 7 or Chapter 13 bankruptcy they will not be discharged.

Here are some other things to consider when filing for a San Diego bankruptcy:

Of course your Chapter 7 or Chapter 13 bankruptcy will appear on your credit report but we assure you it is not as bad as you would think. First, if you are considering filing for bankruptcy your credit is probably already poor. Further, you will be able to get credit almost right after filing. The terms will not be as favorable as pre-bankruptcy but you will be able to rebuild credit in order to become a strong credit risk again.

If you are the subject of the wage garnishment or someone is threatening to go to court and get a judgment against you a San Diego Chapter 7 or Chapter 13 will immediately stop that garnishment.

We at Thompson | Wedeking are San Diego bankruptcy attorneys dedicated to helping you get out of financial distress. If your debts are piling up and you are looking for a “fresh start” call a San Diego Chapter 13 lawyer that will fight for your rights to stop creditor harassment in San Diego. Bankruptcy fees start as low as $800.00. Don’t be fooled by big advertisers charging thousands of dollars. Call us TODAY at 1.888.590.1773 or visit one of our two websites at San Diego Bankruptcy Lawyers or Orange County Bankruptcy Lawyers or Riverside Bankruptcy Lawyers.

The Chapter 7 and Chapter 13 bankruptcy attorneys at Thompson | Wedeking are proud to serve clients in Southern California and in the South Bay, including San Diego County, Orange County, San Bernardino County, and Riverside County; and the cities of San Diego, Carlsbad, Chula Vista, Coronado, Del Mar, El Cajon, Encinitas, Cardiff-by-the-Sea, Leucadia, Olivenhain, Escondido, Imperial Beach, La Mesa, Lemon Grove, National City, Oceanside (San Luis Rey), Poway, San Diego, San Marcos, Santee, Solana Beach, Vista