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San Diego Bankruptcy Attorney – San Diego Foreclosure Lawyer – Chapter 7 & Chapter 13
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Bankruptcy

San Diego Bankruptcy Attorney – San Diego Foreclosure Lawyer – Chapter 7 & Chapter 13

When considering filing for bankruptcy in San Diego, a consumer generally chooses between a Chapter 7 or Chapter 13 bankruptcy. As a San Diego bankruptcy attorney, I can tell you that, very simply, a Chapter 7 bankruptcy wipes out your debts while a Chapter 13 bankruptcy reorganizes your debts.

DON’T LET YOUR CREDITORS TAKE YOUR HARD-EARNED MONEY!

Our experienced team of San Diego bankruptcy lawyers can handle all your Chapter 7 or Chapter 13 needs.  Don’t wait another day to get your fresh start.

Call our office TODAY at 619.615.0767 or email us for a free consultation.

Filing for Chapter 7 or Chapter 13 debt relief can STOP:

Foreclosures

Credit Card Debt

Wage Garnishment

Tax Liens

Student Loans

Lawsuits & Judgments

Creditor Harassment

There are many reasons why people file Chapter 7 or Chapter 13 in San Diego and the majority of them are good reasons. Many people get sick or are injured and incur large medical expenses they cannot pay. Others, in a tough economy, lose their jobs and it takes months to find another. Whatever the reason may be, financial distress can take its toll on all aspects of our life. The longer you wait to get out from under the financial stress the harder it will be. The majority of people that seek our help should have filed bankruptcy in San Diego months earlier!

After consulting with a San Diego bankruptcy attorney you decide that Chapter 7 or Chapter 13 bankruptcy is right for you, you want to be informed about the law. Filing for debt relief in San Diego is not a decision to be taken lightly and the laws applicable to your filing can be extremely complicated. While it might seem like a good idea to do your own Chapter 7 or Chapter 13 yourself, you do not want to waste time making mistakes. Until you properly have your debts discharged your creditors will continue to harass you and will continue to collect on your debts. We assure you that the money spent on an experienced San Diego bankruptcy attorney will be well worth it.

When you file for Chapter 7 or Chapter 13 bankruptcy in San Diego the court issues an order known as the automatic stay. The automatic stay essentially tells your creditors to stop harassing you and to stop any collection efforts against you. Next you will have what is known as a meeting of creditors. Here, the bankruptcy trustee will ask you some questions about your debts. This is also the opportunity for your creditors to object to the debt relief filing. As a San Diego bankruptcy attorney, I can tell this happens in about 1% of cases. That’s pretty much all you have to do. Your involvement in the case should be over (unless the trustee wants more documents). You should never have to go to court if your bankruptcy case is done properly. Within 3 to 5 months of the meeting of creditors your debts should be discharged. Keep in mind that during this waiting period the automatic stay will still be in effect.

Don’t leave your financial future to anyone but an experienced San Diego bankruptcy attorney.

At the Law Office of Harold D. Thompson we are real estate lawyers dedicated to handling all your San Diego real estate needs. Whether it is a foreclosure, short sale, bankruptcy, loan workout, loan modification or other real estate need, we will put our 35 years of experience behind your case. If you have a real estate issue that needs top-notched legal service call our San Diego real estate lawyers at 619.615.0767 or email us for a free consultation. Don’t let another day go by without competent, affordable legal representation. CALL TODAY!

If you need more information please visit our other websites at San Diego Bankruptcy Lawyers or San Diego Bankruptcy Lawyer Blog or Orange County Bankruptcy Lawyers or Riverside Bankruptcy Lawyers.

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