Our Attorneys
Our Encinitas 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 Encinitas
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:
Encinitas Bankruptcy Lawyers: Home foreclosures
Encinitas Bankruptcy Attorney: Car repossessions
Encinitas Bankruptcy Lawyer: Garnishments
Encinitas Bankruptcy Lawyer: Credit card debt
Encinitas Bankruptcy Attorneys: Creditor harassments
Encinitas Bankruptcy Lawyers: Lawsuits
For us, filing bankruptcy is about solving your problems and helping you move on.
Encinitas
Encinitas is a coastal city in northern San Diego County, California. As of the 2000 census,
the city had a total population of 58,014. It is located about 40 km (25 mi) north of San Diego,
and about 150 km (95 mi) south of Los Angeles. The city was incorporated in 1986 from the
communities of historic Encinitas, new Encinitas (Village Park, etc.), Leucadia, Cardiff-by-the-Sea
and Olivenhain. These communities retain their identities, and their distinctive flavors. The
largest single industry is the growing of ornamental flowers, particularly poinsettias. The City is
governed by a five-member City Council, elected at-large to staggered four-year terms at two-year
intervals.
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Our Affiliates
The Pacific Bankruptcy Center, Located in San Diego California is one or the
leading consumer bankruptcy firms in Southern California.
For Attorneys in San Diego who work with us we recommend California
Debt Relief Center,
representing debtors under Chapter 7, and under Chapter 13 for no money down
Our Fee's
The Pacific Bankruptcy Center is the only lawyer in San Diego County of which we are
aware that has our no money down fee policy for Chapter 13 bankruptcy Cases. We represent
wage earners in Chapter 13 for no money down, with a wage order and the balance paid through
a trustee as part of the Chapter 13 plan, and not paid directly to the attorney, The Bankruptcy
court filing fee of $274.00 is extra.
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