Our Attorneys
Our Rancho Bernardo 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:
Rancho Bernardo Bankruptcy Lawyers: Home foreclosures
Rancho Bernardo Bankruptcy Attorney: Car repossessions
Rancho Bernardo Bankruptcy Lawyer: Garnishments
Rancho Bernardo Bankruptcy Lawyer: Credit card debt
Rancho Bernardo Bankruptcy Attorneys: Creditor harassments
Rancho Bernardo Bankruptcy Lawyers: Lawsuits
For us, filing bankruptcy is about solving your problems and helping you move on.
Rancho Bernardo
Rancho Bernardo is a planned community of the city of San Diego, California, located in
San Diego County. It is geographically located about 20 miles north-north-east of downtown
San Diego, immediately north of Carmel Mountain Ranch, northwest of the city of Poway and
south of Escondido.
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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 County we recommend the San Diego County branch
Bankruptcy Lawyer in California,
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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