Our Attorneys
Our Ocean Beach 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 Ocean Beach
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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immediate stop to:
Ocean Beach Bankruptcy Lawyers: Home foreclosures
Ocean Beach Bankruptcy Attorney: Car repossessions
Ocean Beach Bankruptcy Lawyer: Garnishments
Ocean Beach Bankruptcy Lawyer: Credit card debt
Ocean Beach Bankruptcy Attorneys: Creditor harassments
Ocean Beach Bankruptcy Attorneys: Lawsuits
For us, filing bankruptcy is about solving your problems and helping you move on.
Ocean Beach, California
Ocean Beach is located in San Diego on the Southern California coast. It is approximately 7 miles from Downtown San Diego.
Ocean Beach is south of Mission Bay and Mission Beach and west of downtown on the Pacific Ocean at the western terminus of
Interstate 8. The OB community is generally bounded on the north by the San Diego River, on the west by the Pacific Ocean,
on the east by Froude Street and West Point Loma Boulevard, and on the south by Adair Street-- but no two maps share the
same lines, and interpretations of these neighborhood lines vary from OBecian to OBecian.
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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 other Attorneys we recommend
San Diego bankruptcy lawyers,
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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