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).
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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).
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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 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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