Our Attorneys
Our downtown San Diego 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 will sidetrack a
lender’s right to foreclose. Unless a lender can get permission
to go forward with the foreclosure proceedings by requesting
and receiving “relief from the automatic stay” from the court, you are
"home free".
That relief is not likely to be granted unless the lender can
demonstrate "lack of adequate protection" by showing
depreciating collateral or one of several other means. The
burden is always on the creditor in a lift stay proceeding to
show special and unusual circumstances, and the lender must
further demonstrate to the court that the property is not
necessary to the debtors effective debt reorganization.A
Chapter 7 can permanently stop a foreclosure, if
the creditor agrees or the homestead (exemption) laws stop the
liquidation of the property.
If the conditions above that must be met in Chapter 7 cannot be met
in order to permanently stop a foreclosure.
The solution to that problem that then is to file under Chapter 13 bankruptcy. The
A confirmed Chapter 13 plan can provide 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:
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 Lawyers in San Diego we recommend the San Diego branch
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representing debtors and creditors 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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