Our Attorneys
Our Carlsbad 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 Carlsbad
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:
Carlsbad Bankruptcy Lawyers: Home foreclosures
Carlsbad Bankruptcy Attorney: Car repossessions
Carlsbad Bankruptcy Lawyer: Garnishments
Carlsbad Bankruptcy Lawyer: Credit card debt
Carlsbad Bankruptcy Attorneys: Creditor harassments
Carlsbad Bankruptcy Attorneys: Lawsuits
For us, filing bankruptcy is about solving your problems and helping you move on.
Carlsbad
Carlsbad is a seaside resort-town in the North County section of San Diego County, California.
According to the state Department of Finance, the city had a total population of 90,271 in
2003. Carlsbad was incorporated in 1952, in large part to generate sufficient funding to
connect with the water pipeline running through San Diego County, but also to avoid being
annexed by Oceanside. It is the most expensive coastal city in North County, San Diego.
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