Our Attorneys
Our Rancho Santa Fe 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 Santa Fe Bankruptcy Lawyers: Home foreclosures
Rancho Santa Fe Bankruptcy Attorney: Car repossessions
Rancho Santa Fe Bankruptcy Lawyer: Garnishments
Rancho Santa Fe Bankruptcy Lawyer: Credit card debt
Rancho Santa Fe Bankruptcy Attorneys: Creditor harassments
Rancho Santa Fe Bankruptcy Lawyers: Lawsuits
For us, filing bankruptcy is about solving your problems and helping you move on.
Rancho Santa Fe
Rancho Santa Fe is a census-designated place (CDP) in San Diego County, California, United States and a bedroom
community of San Diego. The population was 3,252 at the 2000 census. At $245,631, it is
one of the highest income communities in the United States with at least 2,500 households.
The CDP is primarily all residential with one shopping avenue as well as several
private schools, condominiums, and single family residential areas situated on uncommonly large lots.
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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 La Jolla we recommend the San Diego 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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