Consult with our San Diego bankruptcy lawyers before filing for Chapter 7 or Chapter 13.
Total Bankruptcy's sponsoring San Diego bankruptcy lawyers have the ability, integrity and experience to protect you from your creditors now and help you build toward a better tomorrow.
When you can't take the constant harassment and threats of foreclosure and repossession, you may be able to achieve the protection and reassurance you seek from our sponsoring San Diego bankruptcy lawyers. Our San Diego bankruptcy lawyers have worked hard to help provide you with all the resources you need to not only represent you in court, but to help educate you about your legal options. Once you have taken the first step and called 1-877-349-1309, you will have begun the process of regaining control of your finances.
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Whatever your reason for needing one of our experienced sponsoring California bankruptcy lawyers, they may be able to help you discharge your debts and get on with your life.
Current bankruptcy laws have significant anti-debtor provisions which include:
A strict financial means test, the centerpiece of the bill, that prohibits many debtors from filing a liquidation under Chapter 7. Essentially, the means test determines that if your income is above a specified level, then you are not permitted to file your case under Chapter 7 and must instead use Chapter 13, which requires that you enter into a repayment plan rather than simply liquidating your debts.
A requirement that all debtors must receive a briefing from an approved credit counseling agency at least six months before they can file their case.
A requirement that debtors take an approved class on debt management techniques before they receive their discharge.
A provision making it easier for a court to dismiss a case outright or to convert a Chapter 7 case to a Chapter 13 case.
A provision permitting a court to impose sanctions on attorneys, or even on debtors, for filing a Chapter 7 case that is dismissed or converted to a Chapter 13 case.
Sponsored by some of America's highly experienced consumer debt consolidation attorneys.
Total Bankruptcy is administered by the consumer Chapter 7 and Chapter 13 attorney, Kevin Chern. Mr. Chern, formerly the Managing Partner of a large consumer debt consolidation law firm, works with this website's attorneys to help them provide a high level of service. This cooperative effort uses state-of-the-art technology, high-level customer service and a broad consumer debt consolidation and liquidation knowledge base to provide every client with a comforting experience during a difficult time in their life.
Not too long ago, you would have had to rely on a referral or the phone book to find experienced attorneys. The results could often be unpredictable. Now, the uncertainty over your future is over. Our sponsoring firms are well respected and experienced and are readily available to you for a free, no-obligation evaluation of your case.
Call 1-877-349-1309 for the help you need today and tomorrow.
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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.