Our Attorneys
Our Vista 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:
Vista Bankruptcy Lawyers: Home foreclosures
Vista Bankruptcy Attorney: Car repossessions
Vista Bankruptcy Lawyer: Garnishments
Vista Bankruptcy Lawyer: Credit card debt
Vista Bankruptcy Attorneys: Creditor harassments
Vista Bankruptcy Lawyers: Lawsuits
For us, filing bankruptcy is about solving your problems and helping you move on.
Vista
Vista is a city in northern San Diego County, California. As of the 2000 census, the
city had a total population of 89,857. It was incorporated January 28, 1963. Vista was
listed as the seventh-best place in the United States for family life, based on factors
such as jobs and business opportunities, education, climate, and cost-of-living in a
2008 review.
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