Our Attorneys
Our Solana 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 Can Stop Foreclosure
Filing a Chapter 7 case only temporarily sidetracks a
lender’s right to foreclose until it gets permission
to go forward with the foreclosure proceedings by requesting
and receiving “relief from the automatic stay” from the court.
That relief is likely to be granted unless you can immediately
bring your account up to date, demonstrate a likelihood and
that you’ll continue to make payments when due, and show that
your equity in the home provides a sufficient “cushion” for the
lender. In some bankruptcy districts, you must also negotiate a
formal “reaffirmation agreement” with the lender.
A Chapter 7 never permanently stops a foreclosure, unless
the creditor agrees and homestead (exemption) laws stop the
trustee from selling the property.
Most people who file for bankruptcy have big arrearages
on their mortgage that they can’t pay off right away.
The solution to that problem that allows them to keep
their home is to file under Chapter 13 bankruptcy. The
Chapter 13 plan provides for continuing monthly payments
on the mortgage and paying off the arrearages over the
life of the plan (three to five years).
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| We work with you to help you keep as much of your property as possible while putting an
immediate stop to:
Solana Bankruptcy Lawyers: Home foreclosures
Solana Beach Bankruptcy Attorney: Car repossessions
Solana Beach Bankruptcy Lawyer: Garnishments
Solana Beach Bankruptcy Lawyer: Credit card debt
Solana Beach Bankruptcy Attorneys: Creditor harassments
Solana Beach Bankruptcy Lawyers: Lawsuits
For us, filing bankruptcy is about solving your problems and helping you move on.
Solana Beach
In the state legislature Solana Beach is located in the 38th Senate District, represented
by Republican Mark Wyland, and in the 74th Assembly District, represented by Republican
Martin Garrick. Federally, Solana Beach is located in California's 50th congressional
district, which has a Cook PVI of R +5[5] and is represented by Republican Brian Bilbray.
Solana Beach is a General Law City operated by a Council/Manager form of government.
The City Council serves as a legislative body and consists of five Council members,
one of whom is chosen to act as Mayor for a one-year term on a rotating basis.
Council members are leaders and policy makers elected as representatives to
concentrate on policy issues that are responsive to the needs of the citizens
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