A lawyer, according to Black's Law Dictionary, is "a person learned in the law; as an attorney, counsel or solicitor; a person licensed to practice law."Law is the system of rules of conduct established by the sovereign government of a society to correct wrongs, maintain stability, and deliver justice. Working as a lawyer involves the practical application of abstract legal theories and knowledge to solve specific individualized problems, or to advance the interests of those who retain (i.e., hire) lawyers to perform legal services.  

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Ramona

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Bankruptcy Lawyers in Ramona: The Pacific Bankruptcy Center

Our Attorneys

Our Ramona 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).
Bankruptcy
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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:

Ramona Bankruptcy Lawyers: Home foreclosures

Ramona Bankruptcy Attorney: Car repossessions

Ramona Bankruptcy Lawyer: Garnishments

Ramona Bankruptcy Lawyer: Credit card debt

Ramona Bankruptcy Attorneys: Creditor harassments

Ramona Bankruptcy Lawyers: Lawsuits

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

Ramona

Ramona is an unincorporated community (with plans of incorporation) in San Diego County, California, USA. The United States Census Bureau had divided Ramona into two census-designated places, the Ramona CDP and the San Diego Country Estates CDP. The population of the CDPs, which does not include the fringe areas surrounding the CDPs, was 25,223 at the 2000 census. The Ramona Community Planning Area had a population of 33,404 at the 2000 census. The January 1, 2006, population of the Ramona Community Planning Area is estimated to be 36,405 by the San Diego Association of Governments (SANDAG).

Our Affiliates

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

For other Lawyers in San Diego we recommend the California Bankruptcy lawyer in San Diego, 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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About Us

The bankruptcy attorneys of the Pacific Bankruptcy Center, serve clients in Southern California, including San Diego County, San Bernardino County, and Riverside County; and the cities of San Diego, Riverside, San Bernardino, Chula Vista, National City, La Mesa, El_Cajon, Imperial Beach, Mission Bay, 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, and Carlsbad.

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