Our Attorneys
Our Escondido bankruptcy attorneys handle consumer bankruptcy
cases exclusively. We are one of the leading personal bankruptcy
law firms in Southern California, currently filing hundreds
of bankruptcy cases per year.
Bankruptcy and Car Repossessions
The number one mistake people who have had a car repo in Escondido
is giving the car back and pretending it's all over. Months go by
and they think life has returned to normal. Wrong! You have a lawsuit
in your future, and the longer you put it off, the more penalties
and interest are going to hit you until you deal with it. If you
pretend it's over, you're fooling yourself. If you wait too long,
we can't help you because you've you don't have time or money to
stop the garnishment. Then you are stuck letting them suck your
paycheck every pay period until you've paid the whole thing.
Chapter 13 can Stop Repossessions
Chapter 13 can stop repossessions. If a car or other
vehicle has been repossessed but not sold by the creditor
when the case is filed, the court may order the creditor to
return it to you. Under Chapter 13, interest charges may be
reduced, and your monthly payments can often be lowered.
In certain cases, the balance secured by the vehicle may be
reduced to its market value, even if this is much less than
the loan balance. [11 USC §1325(a)(5) & unnumbered last subparagraph]
In Chapter 13, you pay for the car in a single monthly payment
which consolidates all of your bills. Often this one payment
can be lower than your old car payment alone.
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property as possible while putting an immediate stop to:
Escondido Bankruptcy Lawyers: Home foreclosures
Escondido Bankruptcy Attorney: Car repossessions
Escondido Bankruptcy Lawyer: Garnishments
Escondido Bankruptcy Lawyer: Credit card debt
Escondido Bankruptcy Attorneys: Creditor harassments
Escondido Bankruptcy Attorneys: Lawsuits
For us, filing bankruptcy is about solving your problems and helping you move on.
Escondido
Escondido is a city located in northern San Diego County, California just north of the
city of San Diego . The name Escondido means "hidden" in Spanish -- it occupies a shallow valley
ringed by rocky hills. Founded in 1888, Escondido is one of the oldest cities in San Diego County.
The city has a mild climate, a diverse economy and a growing population of 140,766 ,
making it the fourth largest city in San Diego County in terms of population.
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