Chamber Building
110 West C Street
San Diego, CA 92101

Mira Mesa

Bankruptcy Lawyers in Mira Mesa: The Pacific Bankruptcy Center

Our Attorneys

Our Mira Mesa 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).

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

Lemon Grove Bankruptcy Lawyers: Home foreclosures

Mira Mesa Bankruptcy Attorney: Car repossessions

Mira Mesa Bankruptcy Lawyer: Garnishments

Mira Mesa Bankruptcy Lawyer: Credit card debt

Mira Mesa Bankruptcy Attorneys: Creditor harassments

Mira Mesa Bankruptcy Lawyers: Lawsuits

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

Mira Mesa

Public transportation in Mira Mesa is provided by the San Diego Transit and the Metropolitan Transit System, through buses and DART (Direct Access to Regional Transit) shuttles. A train station serves Mira Mesa in Sorrento Valley and is served by the Coaster commuter train, of the North County transit district. The Coaster links Mira Mesa to Downtown San Diego, and north to coastal communities like Solana Beach and Oceanside. Main highways include: Interstates 805 and 15.

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 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.

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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