Our Attorneys
Our Carlsbad 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:
Carlsbad Bankruptcy Lawyers: Home foreclosures
Carlsbad Bankruptcy Attorney: Car repossessions
Carlsbad Bankruptcy Lawyer: Garnishments
Carlsbad Bankruptcy Lawyer: Credit card debt
Carlsbad Bankruptcy Attorneys: Creditor harassments
Carlsbad Bankruptcy Lawyers: Lawsuits
For us, filing bankruptcy is about solving your problems and helping you move on.
Carlsbad
Carlsbad is a seaside resort-town in the North County section of San Diego County, California.
According to the state Department of Finance, the city had a total population of 90,271 in
2003. Carlsbad was incorporated in 1952, in large part to generate sufficient funding to
connect with the water pipeline running through San Diego County, but also to avoid being
annexed by Oceanside. It is the most expensive coastal city in North County, San Diego.
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