Our Attorneys
Our downtown San Diego bankruptcy attorneys handle consumer
bankruptcy cases exclusively. We are one of the leading personal
bankruptcy law firms in Southern California, currently filing
several bankruptcy cases per year.
Bankruptcy Can Stop Foreclosure
Filing a Chapter 7 case will sidetrack a
lender’s right to foreclose. Unless a lender can get permission
to go forward with the foreclosure proceedings by requesting
and receiving “relief from the automatic stay” from the court, you are
"home free".
That relief is not likely to be granted unless the lender can
demonstrate "lack of adequate protection" by showing
depreciating collateral or one of several other means. The
burden is always on the creditor in a lift stay proceeding to
show special and unusual circumstances, and the lender must
further demonstrate to the court that the property is not
necessary to the debtors effective debt reorganization.A
Chapter 7 can permanently stop a foreclosure, if
the creditor agrees or the homestead (exemption) laws stop the
liquidation of the property.
If the conditions above that must be met in Chapter 7 cannot be met
in order to permanently stop a foreclosure.
The solution to that problem that then is to file under Chapter 13 bankruptcy. The
A confirmed Chapter 13 plan can provide 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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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
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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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