Afraid of Bankruptcy? We understand completely

Sooner or later, we all get to the point where we just need the world to cut us a break... when enough is enough...when we need a chance to get the monkey off our back and start over.... when we just need a chance to feel good again...without the pressure of the bills.

Use the Bankruptcy Laws to Your Advantage.

Despite what many creditors are telling consumers, bankruptcy filing is still available. Millions of Americans are suffering from mounting debt. Have you or a family member felt the effects? Harassing phone calls and letters from collection agencies? Wage assignments and garnishments on your paycheck? Repossession of your car or foreclosure of your home? You are not alone. Perhaps filing bankruptcy may be the answer for you. This step is not one to take lightly, so read on and see if filing bankruptcy could be a good option for you.

San Diego Bankruptcy Attorneys

Our bankruptcy attorneys are well versed in the bankruptcy code and case law. They have studied the new bankruptcy laws that went into effect in 2005 and will use them to your advantage.

Finding an Experienced Qualified Attorney

Finding the right bankruptcy attorney to guide you throughout the legal process is one of the most crucial decisions you have to make. While there is no requirement in the bankruptcy code that you have to have a lawyer help you, most realize after doing some research that an attorney can help simplify the process.

Free Consultation, Reasonable Fees

For a free consultation, call The Bankruptcy Law Office of Charles E. Andersen today to speak with an experienced bankruptcy attorney. We want to help you get the relief you need and deserve. We understand that you are having financial difficulties, so contact us now. We will review your case and offer a flexible payment plan which is customized to your unique situation.

How do I decide when to file for bankruptcy?

Early warning signs of financial problems include, late payments, in house creditor harassment, one or more accounts in collection and others. With professional assistance someone can take a look at your situation and see whether there is any realistic way for you to get back on track with your creditors. This is a question that you should consider early because the path to bankruptcy may be inevitable. Waiting to file what is inevitable or the best solution can result in wasting ten's of thousands of dollars on interest and late fee's and can cause years of delay in your financial rehabilitation.

Where do I go to court?

The court hearing in a bankruptcy case is called the "Meeting of the Creditors". It is held at a location designated by the San Diego Bankruptcy Court for the Southern District of California. You appear with an attorney from our office at which time you are examined by the bankruptcy trustee concerning your case.

Why choose the Absolute Bankruptcy and Charles E. Andersen Esq.?

We take great pride in the level of caring and respect we show our clients. Filing bankruptcy is an important decision, and we know that you will have lots of worries and concerns. For most people, the mere thought of filing bankruptcy seems scary. We know this, and that's why we focus so much energy on addressing your worries and concerns and why we promise to do our best to address all of them.

Our goal is to make you feel like family in dealing with us. We understand what you have been through with your creditors and that you need and deserve a place where you can feel safe and secure, and where you can feel welcome and at home.

That's why we encourage you to keep asking questions until you have...not some but...all the answers. For sure....we will tell you all about how bankruptcy works. But more importantly....we will try to address all your concerns about how it feels, what filing really means, and....as best we can...what you can expect will happen in the future. We only want what's right for you and your family. If that's bankruptcy...fine. And, if not, that's fine too. Either way...for us...it's all about the warmth and the welcome.