SAN DIEGO BANKRUPTCY ATTORNEY

Advice on how to best handle financial and legal matters demands expertise and a caring dedication. Your income, living expenses, debts, and assets should be reviewed thoroughly. You should receive proper and adequate counseling, which include non-bankruptcy alternatives (Credit Consolidation, Debt Settlement, Loan Modification). You should understand what bankruptcy can do and the process involved in accomplishing your goals. If Bankruptcy is the appropriate course of action, Chapter 7 clears the slate and gives you a fresh start, while Chapter 13 allows you to catch up on past due payments and avoid foreclosure or repossession.

This Law Firm relies on referrals & client testimonials, not expensive advertising. $99 starts your case. Cases are filed promptly and accurately with each step handled by an experienced San Diego Bankruptcy Attorney (no paralegals, petition preparers, highly discouraged special appearance lawyers). Personal service means safeguarding confidential information, accurate and prompt handling of your case, proactive and frequent communications, your confidence in each step of your case.

Cash strapped clients tend to look for cheap solutions or suffer loss of assets and earnings due to procrastination or inaction. Don't rely on Bankruptcy Myths in making difficult but important decisions. Calling a local San Diego bankruptcy attorney is a step toward coming to terms with your finances, learning consumer protections and options, making intelligent decisions, avoiding pitfalls and costly mistakes. While every effort is made to provide legal services at affordable fees consider all factors when choosing an attorney.

According to ANNUAL REPORT OF CASE EXPERIENCES BY SELF-REPRESENTED PARTIES published by CALIFORNIA BANKRUTPCY COURT FOR CENTRAL DISTRICT 39% of self represented Chapter 7 cases in the district in 2011 did not receive a discharge and/or were dismissed. Nearly 100% of self-represented chapter 13 cases were dismissed. These statistics confirm what bankruptcy attorneys intuitively know, that the Bankruptcy rules and procedures particularly in a Chapter 13 are too cumbersome for pro se petitioners. Such high failure rate among pro se filers seeking to protect property, prevent foreclosure, repossessions and wage garnishment is most concerning because of the potential result of losses. "Those working within the bankrutpcy system know how vital proper legal representation is. Because we see so many parties harmed by the lack of representation." "Common problems in self-represented debtors' cases include: the failure to file required documents, resulting in dismissal; filing a chapter which may not be correct for the debtor's circumstances, choosing incorrect property exemptions, unnecessarily filing bankruptcy in the first place, not filing the required credit counseling or financial management certificate; being unable to answer or adequately defend an action seeking to deny discharge; and not understanding the significance of certain motions or adversary actions."

"The significant problems we face cannot be solved at the same level of thinking we were at when we created them."

- Albert Einstein (1879-1955)