Chapter 13

Would you prefer an out of town lawyer?

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).
Bankruptcy
Bankruptcy
We work with you to help you keep as much of your property as possible while putting an immediate stop to:

El Cajon Bankruptcy Lawyers: Home foreclosures

El Cajon Bankruptcy Attorney: Car repossessions

El Cajon Bankruptcy Lawyer: Garnishments

El Cajon Bankruptcy Lawyer: Credit card debt

El Cajon Bankruptcy Attorneys: Creditor harassments

El Cajon Bankruptcy Lawyers: Lawsuits

For us, filing bankruptcy is about solving your problems and helping you move on.

El Cajon

El Cajon is a city in San Diego County, California, United States. The population was 94,869 at the 2000 census. El Cajon is Spanish for "The Box", relating to it being a parcel of land granted out of the vast Mission San Diego de Alcala tract and used for farming by Spanish missionaries

Our Affiliates

The Pacific Bankruptcy Center, Located in San Diego California is one or the leading consumer bankruptcy firms in Southern California.

 

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.

 

 

 

About Us

The bankruptcy attorneys of Absolute Bankruptcy, serve clients in Southern California, including San Diego County, San Bernardino County, and Riverside County, Imperial County and the cities of San Diego, Riverside, San Bernardino, Chula Vista, National City, La Mesa, El_Cajon, Imperial Beach, Mission Beach, Hillcrest, Ramona, Julian, Escondido, San Marcos, Vista, Oceanside, Encinitas, Solana Beach, Del Mar, Rancho Bernardo, Rancho Santa Fe, La Jolla, Pacific Beach, Ocean Beach, Little Italy, Old Town, Mira Mesa, North Park, Temecula, Carlsbad, San Diego. Calipatria. Holtville. Imperial. Brawley. Calexico, El Centro, Banning, Beaumont, Blythe, Calimesa, Canyon Lake, Cathedral City, Corona, Coachella, Desert Hot Springs, Hemet, Indian Wells, Indio, Lake Elsinore, La Quinta, Menifee, Moreno_Valley, Murrieta, Norco, Palm Desert, Perris, Rancho Mirage, Riverside County,

Submit a ticket