When a San Diego bankruptcy attorney is your last resort
When you hire a San Diego bankruptcy attorney you do so because you have exhausted all your other resources. The weight of your debt is affecting every aspect of your life. You can't sleep and your health is beginning to suffer. Like so many people today, you have encountered a series of unfortunate events that combined together have exacerbated your already wobbly credit to the point where you are unable to make ends meet. Last year over 1.5 million Americans filed for protection from their creditors.
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Online help from Total Bankruptcy
To find a qualified San Diego bankruptcy attorney call toll free, at 1 (877) 349-1309, or use our online case evaluation form. Simply fill out this secure online form with a few details about your situation. All information is kept strictly confidential. A San Diego bankruptcy attorney from one of our Total Bankruptcy sponsoring law firms should contact you to provide a free, no-obligation consultation.
Are your bills piling up unopened?
Chapter 7 of the U.S. Bankruptcy Code can be your lifeline and a huge step toward rebuilding a more secure financial future. Filing under Chapter 7 is your legal right and a courageous step that can obliterate the crushing stress of enormous debt. However you should not attempt to navigate a Chapter 7 proceeding on your own. You need an experienced, dedicated California bankruptcy attorney who practices in consumer debt consolidation and liquidation cases. Your bankruptcy attorney will assess your financial situation, guide you through the entire process and lay out all your options for you.
The first step your lawyer may do is to file a petition in court. This document will ask you to list personal information, including all of your income, your assets, your expenses and your debts. You must also indicate applicable exemptions to which you're entitled. Exemptions are laws that prevent your creditors from taking property away from you. As soon as your petition is filed, the court will appoint a trustee to your case and may issue an "Automatic Stay". This is a court order that would prevent your creditors from taking any further action against you outside of court. This action may ensure:
Your creditor calls and bills stop
Your property cannot be seized
Your creditors cannot sue you
Your house cannot be foreclosed upon
Your paycheck cannot be garnished
Your car cannot be repossessed
Your bank must stop any foreclosure action
Your suspended driver's license must be reinstated
Filing under Chapter 7 might help you eliminate many of your debts, if the debts are unsecured. Typically, unsecured debts include credit card debt, medical bills, most personal loans, judgments resulting from car accidents, deficiencies on repossessed vehicles, some older tax debts, payday loans and garnishments. Alimony, student loans and child support cannot be liquidated by the court but may be consolidated under Chapter 13.
Click below to fill out our Free Online Evaluation or call 1-877-349-1309
Click Here For a Free Bankruptcy Evaluation
The purpose of this web site is to help you learn everything you need to know about bankruptcy, the process, your bankruptcy attorney and your legal rights. The best place to start is with the U.S. Bankruptcy Code. It delivers protection to people in financial jeopardy who are suffering under mountains of debt. Bankruptcy is your legal right.