Top San Diego, CA Bankruptcy Lawyers Near You

Bankruptcy Lawyers | San Diego Office

4747 Executive Drive, 12th Floor, San Diego, CA 92121

Bankruptcy Lawyers | San Diego Office

401 West A Street, Suite 1900, San Diego, CA 92101-8484

Bankruptcy Lawyers | San Diego Office

605 “C” Street, 3rd Floor, San Diego, CA 92101

Bankruptcy Lawyers | San Diego Office

402 West Broadway, Suite 400, San Diego, CA 92101

Bankruptcy Lawyers | Carlsbad Office | Serving San Diego, CA

2244 Faraday Ave, PMB, Carlsbad, CA 92008

Bankruptcy Lawyers | Chula Vista Office | Serving San Diego, CA

3130 Bonita Road, Suite 104, Chula Vista, CA 91910

Bankruptcy Lawyers | San Diego Office

303 A Street, Suite 400, San Diego, CA 92101

Bankruptcy Lawyers | San Diego Office

1162 El Camino Real, Suite 100, San Diego, CA 92130

Bankruptcy Lawyers | San Diego Office

600 B Street, Suite 1420, San Diego, CA 92101

Bankruptcy Lawyers | San Diego Office

600 W. Broadway, One America Plaza, Suite 500, San Diego, CA 92101

Bankruptcy Lawyers | La Jolla Office | Serving San Diego, CA

PO Box 9058, La Jolla, CA 92038

Bankruptcy Lawyers | San Diego Office

550 West C Street, Suite 1750, San Diego, CA 92101

Bankruptcy Lawyers | San Diego Office

401 West A Street, Suite 1150, San Diego, CA 92101

Bankruptcy Lawyers | San Diego Office

1455 Frazee Rd, Suite 500, San Diego, CA 92108

Bankruptcy Lawyers | Escondido Office | Serving San Diego, CA

312 S Juniper St, Suite 101, Escondido, CA 92025

Bankruptcy Lawyers | San Diego Office

1350 Columbia St, Suite 500, San Diego, CA 92101

Bankruptcy Lawyers | San Diego Office

655 West Broadway, Suite 1900, San Diego, CA 92101

Bankruptcy Lawyers | San Diego Office

4653 Carmel Mountain Rd, Suite 308 #332, San Diego, CA 92130

Bankruptcy Lawyers | San Diego Office

401 West A Street, 17th Floor, San Diego, CA 92101

Bankruptcy Lawyers | San Diego Office

11545 West Bernardo Court, Suite 211, San Diego, CA 92127

Bankruptcy Lawyers | San Diego Office

401 West A Street, Suite 2600, San Diego, CA 92101

San Diego Bankruptcy Information

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Lead Counsel Verified Attorneys In San Diego

Lead Counsel independently verifies Bankruptcy attorneys in San Diego and checks their standing with California bar associations.

Our Verification Process and Criteria
  • Ample Experience Attorneys must meet stringent qualifications and prove they practice in the area of law they’re verified in.
  • Good Standing Be in good standing with their bar associations and maintain a clean disciplinary record.
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Find a Bankruptcy Attorney near San Diego

Visit our free Bankruptcy Resource Center.

What Is Bankruptcy?

Bankruptcy is a legal process that allows an individual or a business (the debtor) to get a fresh financial start by forgiving debts that the debtor cannot repay while allowing creditors to obtain some repayment through liquidation of the debtor’s assets. Federal bankruptcy courts manage cases according to the U.S. Bankruptcy Code.

Bankruptcy law includes several types of bankruptcy. Chapter 7, chapter 11, and chapter 13 bankruptcies are the most common.

  • Individuals typically file Chapter 7 bankruptcy to clear their unsecured debt, such as credit card balances and medical bills. The debtor must liquidate nonexempt assets, such as a second home, stocks, and bonds, to repay some of their unsecured debt. The remaining unsecured debt is typically discharged. The debtor is not required to liquidate exempt assets, such as household goods, clothing, and a personal vehicle (up to a particular value).
  • Chapter 11 bankruptcy allows a business to reorganize and remain in business to become profitable. This type of bankruptcy allows the business to continue its activities while working on a debt repayment plan under court supervision.

Chapter 13 bankruptcy allows individuals who make too much money to qualify for chapter 7 to create a workable debt repayment plan. Repayment plans typically require installment payments over a three or five-year period. Debtors who repay their creditors can keep all their property, including nonexempt property.

Are There Any Bankruptcy Lawyers Near Me In San Diego, CA?

Finding the right fit for your case may seem daunting, but many attorneys in your area are ready to help advocate for clients like you. The LawInfo directory can help you find verified bankruptcy lawyers in {{city}. It can significantly benefit you to consult with an experienced employment attorney early in your case.

What Can a California Bankruptcy Lawyer Do For Me?

Filing for bankruptcy is a complex process requiring a thorough knowledge of state and federal bankruptcy laws so you can decide what chapter to file under and which exemptions to claim, among other things. A bankruptcy lawyer will help guide you through this stressful and time-consuming process. Some of the ways a bankruptcy lawyer may be able to help you include:

  • Explaining and guiding you through the bankruptcy process,
  • Analyzing your financial situation,
  • Evaluating your assets and obligations,
  • Advising you regarding which exemptions to claim,
  • Preparing and reviewing your bankruptcy petition,
  • Attending meetings with your creditors (341 meetings),
  • Following up with your creditors to stop any post-filing collection efforts,
  • Representing you in any litigation that may arise out of the bankruptcy, and
  • Attending hearings on your behalf.

Because filing for bankruptcy can affect you for many years, it would be beneficial to speak to a qualified bankruptcy lawyer today.

How Much Does a Bankruptcy Attorney in San Diego Cost?

Bankruptcy lawyers charge from $200/hr to $400/hr depending on the issue, the attorney’s skill, and location. In complex cases, rates can exceed $1,000/hr.

When Should I Hire a Lawyer?

It is in your best interest to get legal help early in addressing your situation. There are times when quickly hiring a lawyer is critical to your case, such as if you are charged with a crime. Having a lawyer review the fine print before signing legal documents may also be a good idea. A lawyer can also help you get the compensation you deserve if you’ve suffered a severe injury. For issues where money or property is at stake, having a lawyer guide you through the complexities of the legal system can save you time, hassle, and possibly a lot of grief in the long run.

What Are the Top Questions Should I Ask a Bankruptcy Lawyer?

  • What is the usual process to resolve my case?
  • How long will it take to resolve this?
  • What are the likely outcomes of a case like mine?
  • What should I expect during bankruptcy?

An experienced lawyer should be able to communicate a basic “road map” on how to proceed. The lawyer should be able to walk you through the legal process, key considerations, and potential pitfalls to avoid. Once you’ve laid out the facts of your situation to the lawyer, they should be able to frame expectations and likely scenarios to help you understand your legal issue.

How Will A Bankruptcy Charge Me?

A reputable attorney will be very upfront about how they will charge you. The three most common fee structures that attorneys use to charge for their services are:

  • Bill by the hour
  • Contingent fee agreement
  • Flat fee agreement

Depending on your specific legal situation, only one type of fee structure may be available. For instance, criminal defense attorneys almost always bill by the hour. A flat fee arrangement is when an attorney accepts a one-time payment to help you resolve your issue. With a contingent fee agreement, the client pays little to nothing upfront, and the attorney receives a percentage of the money recovered if you win your case.

What is bankruptcy?

Bankruptcy is a legal process that allows people to get out from under debts that are causing serious financial harm. Through the bankruptcy process, you may be able to get rid of debts like medical bills, credit card bills, and other unsecured debts. Factors such as your income and whether you have assets that you can sell to pay off some of the debts are taken into account when filing for bankruptcy and will determine what happens.

What happens when I file for bankruptcy?

When you file for bankruptcy, you will be under a federal bankruptcy court’s supervision and protection. During this time, you, your lawyer, the court, and your creditors will work on a plan for discharging your eligible debts. Collectors will also be unable to repossess property and garnish your wages or bank accounts during this time.

How much does it cost to file for bankruptcy?

There is no easy answer to this question. The ultimate cost will be a mix of court filing fees and what you owe your attorney for guiding you through the process. What you owe will depend on how complicated your case is and whether there are any prolonged disputes with creditors. Most likely, however, the debt relief that comes with bankruptcy will outweigh any fees.

How long does bankruptcy stay on your credit report?

A Chapter 7 bankruptcy filing will stay on your credit report for up to 10 years, while a Chapter 13 will remain for up to seven years. A bankruptcy filing will also harm your credit score. However, if you need to file for bankruptcy, it’s likely your score is not that high anyway, and your bankruptcy will give you a chance at a fresh start and time to rebuild your credit score.

What sort of issues can I seek legal help with?

Specialized legal help is available for most legal issues. Each case is unique; seeking legal help is a smart first step toward understanding your legal situation and seeking the best path toward resolution for your case. An experienced lawyer understands the local laws surrounding your case and what your best legal options might be. More importantly, there are certain situations and circumstances – such as being charged with a crime – where you should always seek experienced legal help.

The Importance of a Good Consultation

The goal of an initial consultation is to find an attorney you are comfortable working with and someone who can help you understand your options under the law. Seek to understand the relevant legal experience the attorney brings to your case. While it is not realistic to expect an attorney to resolve your legal issue during an initial consultation, you should gain a level of comfort with his/her ability to do so. A good consultation can clarify issues, raise pertinent questions and considerations for your case, and help you make an informed decision towards resolving your legal issue.

How much does it cost to hire an attorney?

In general, how much an attorney costs will often depend on these four factors: billing method and pricing structure, type of legal work performed, law firm prestige, and attorney experience. Depending on the legal issue you are facing, an attorney may bill you by the hour, settle on a flat fee, or enter into a contingency fee agreement. The type of legal work you need help with will also play a role in cost incurred.

Common legal terms explained

Pro se – This Latin term refers to representing yourself in court instead of hiring professional legal counsel. Pro se representation can occur in either criminal or civil cases.

Statute – Refers to a law created by a legislative body. For example, the laws enacted by Congress are statutes.

Subject matter jurisdiction – Requirement that a particular court have authority to hear the claim based on the specific type of issue brought to the court. For example, the U.S. Bankruptcy Court only has subject matter jurisdiction over bankruptcy filings, therefore it does not have the authority to render binding judgment over other types of cases, such as divorce.

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