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Chapter 13 San Diego | Bankruptcy Attorney | San Diego Chapter 13 Attorney Welcome to: Chapter13SanDiego.com
We are a debt relief agency. We help people file for relief under the Bankruptcy Code.
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Need debt relief? Is Chapter 13 right for you? Call a chapter 13 San Diego attorney. Get Chapter 13 questions answer by a San Diego bankruptcy lawyer. Free Consultation.
Get Rid of Stress and Creditor's Calls
When you come into my office you will not be treated like a number. As a lawyer for over 21 years I have given personal service to my clients from San Diego to El Cajon and just about every city in San Diego County. If you want to file Chapter 13 in San Diego and have questions that you want answered first, then please give my office a call.
Chapter 13 Personalized Service: My law office is not a bankruptcy mill who just processes you through their system. They probably have no idea who you are and you may not even speak to an attorney before the hearing dates. We are honest and upfront about bankruptcy fees and costs.
NO EXTRA CHARGE FOR DOING A PRE-BANKRUPTCY REVIEW: My office provides a pre- bankruptcy process that actually saves you in the long run. This way we know before filing that you qualify and your bankruptcy won't have hidden surprises. I personally will review your documents prior to filing. I also review them with you too. I will take as much time as necessary to make sure you understand the Chapter 13 bankruptcy process in San Diego.
MY PLEDGE TO YOU: I will do everything possible to make your bankruptcy work for you. By working together, we can achieve the goal of getting the best Chapter 13 plan for you. Together we can get you the debt relief you deserve to the degree the bankruptcy code will allow. You get timely bankruptcy filing after you provide the information requested. My goal is to get you all the debt relief you are entitled to and not to treat you like a number.
I WILL DISCUSS THE CASE WITH YOU FOR THE START TO THE FINISH: I personally will discuss your bankruptcy case with you. Not like many attorneys who have their clerks do just about everything. Chapter 13 in San Diego is complex and most clients who file a chapter 13 have legal issues that require an attorney's review and follow up.
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WILL ALSO DETERMINE IF WE CAN MAKE A CHAPTER 7 WORK FOR YOU:
I will be able to tell if you qualify for a chapter 7 or chapter 13
bankruptcy. As part of the bankruptcy process, I will conduct a
pre-bankruptcy review to make sure you comply with either chapter 13 or
chapter 7 bankruptcy requirements. I also will do an review to see if
you qualify for chapter 13 in San Diego..
STOP FORECLOSURE ON YOUR HOME WITH A CHAPTER 13: I am proud to say that I have helped many clients keep their homes by keeping them out of foreclosure and even "lien-stripping" on their second mortgages. Chapter 13 in San Diego is a great way to save real property from being taken away. It is not possible to save every home due to some circumstances, but my office does what is legally possible to get the best results.
CHAPTER 13 LIEN STRIPPING: We can determine if your home meets the criteria to "strip the deed away" of your second mortgage. If so, this can save thousands of dollars.
REPOSSESSION OF VEHICLES, CARS, TRUCK, BOATS, PLANES: If you are facing the danger of repossession then filing Chapter 13 is a great way to pay back the lender any arrears that you owe over a period of time. If you purchased your vehicle over two and a half years ago you may be able to "cram down" the amount to the current fair market value. Many times this will save the debtors thousands of dollars plus lower their payment substantially.
W E WORK WITH QUALITY PROFESSIONALS IN CASE YOUR PROPERTY NEEDS TO BE APPRAISED: If you need to get your house appraised, we have third party appraisers available to provide you with prompt service. This is very important when determining the FMV of your home and for the purpose of stripping any second mortgage, liens and judgments. The appraisers we use understand the bankruptcy process and have the expertise to understand the appraisal system in a bankruptcy situation. .
FOR MOST WHO ARE UNDER WATER IN DEBT, BANKRUPTCY IS THE BEST OPTION AVAILABLE.
One thing you do know is that your money problems are not going away on their own. With my legal knowledge, I can head you in the direction of becoming debt free again.
Unless you either pay off the debt or file bankruptcy, your creditors will continue to call. Tired of creditors calling you? They can be stopped when you file your case. Even if you have a judgment against you or wage garnishment, they, too, can be stopped. Filing for bankruptcy is a major and important decision that in many cases improve your credit rating and ability to get credit. When you come into my office the first thing you will notice is that we are not a bankruptcy mill but a professional law office that provides individual debt relief services. Attorney Casey provides you with the time necessary to ensure that the bankruptcy process is managed in an effective manner. You will be advised and provided guidance when needed at every step in the bankruptcy process.
Let The Chapter 13 Bankruptcy Laws Work For You. Attorney Casey's philosophy is to treat every client with respect as we would expect to be treated if there was a change of events that affected our lives. The purpose of bankruptcy is to seek relief from your financial hardship, stop foreclosures, and put a stop to unreasonable creditors pursuant to the bankruptcy laws. Common Questions and Answers About Bankruptcy - Click here |
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We are a debt relief agency. We help people file for relief under the Bankruptcy Code.
In the last few years, bankruptcy filings have increased almost 40% and in many areas of California it is much higher. The primary reason for filing personal bankruptcy is an unforeseen financial down turn, loss of savings and the inability to borrow funds at a reasonable rate, medical bills or a combination of change of events. Greedy credit card companies have raised their rates and minimum payment fees which have only caused havoc on your finances. Many of you have experienced unforeseen medical expenses causing even more excessive credit card debt, and even loss of employment. So don't wait!David Casey, Attorney Office Location: 365 Broadway, Suite 203 El Cajon, California (619) 447-6780 Map to Bankruptcy Law office Click here
(Note: This web site is for general information on bankruptcy - there is no inference that the Law Office of David Casey represents you in any way until a retainer and fee agreement is signed by you and attorney). Any documents drafted without coming into the law office or via the internet is considered in "Pro Per" and is solely based on your representation of the information you provide. Attorney Casey has been practicing Family Law since 1989 and has assisted individuals, couples and businesses with their bankruptcy needs.
Facts About Chapter 13 Bankruptcy. Is It Right For You? Most people can qualify for Chapter 13 if they have an income. You must have a regular source of income and owe unsecured debts of $336,900.00, or less, and whose secured debts are $1,010,650.00, or less. You may file Chapter 13 if you meet these initial prerequisites.
Debtors who are facing foreclosure of their home, repossession of their vehicles, seizures of assets and IRS wage garnishments, can stop such actions of creditors by filing for Chapter 13 protection if they meet the qualifications of having a regular source of income and the total amount of their debts are within the amounts of debt limitations of the Title 11 under Bankruptcy, Chapter 13. Debtors file a plan of reorganization involving monthly plan payments for a minimum of three years, but not more than five years. During the term of the Plan, the debtor pays any arrearages for secured property that are to be retained and non-dischargeable liabilities such as certain kinds of taxes.
Payments to the court-appointed Chapter 13 Trustee must begin within thirty (30) days of the petition date. The Chapter 13 Trustee distributes ninety percent (90%) of the funds to creditors pursuant to the terms of the Plan.
The Trustee retains the remaining ten percent (10%) to cover his/her costs of operation. Usually, unsecured creditors receive less than full payment of their claims - sometimes very little or nothing. Automobile and truck loans can be modified to pay the lien holder only the value as of the date of the petition, plus reasonable interest over the plan-payment period.
The Chapter 13 debtor is entitled to receive a Discharge Order from the Bankruptcy Court upon completion of all payments of a Plan that has been confirmed by the Court. The Discharge Order releases the debtor from all claims of creditors provided for in the Plan or disallowed by the Court. This is one of the protections under Chapter 13 bankruptcy.
A creditor who received timely notice of the filing of the Chapter 13 petition, but failed to file a formal written claim may NOT thereafter bring or continue a legal action to collect the discharged debt. Certain long-term obligations of a debtor are not, however, discharged by the filing or successful completion of a confirmed Chapter 13 Plan. Home mortgage payments are an example of this. The obligations of the debtor survive completion of the Plan. In other words, you have to pay the remaining balance on the debt. Home mortgage payments and vehicle payments when a debtor elects to retain such assets, alimony, child support, most student loans, debts arising from death or personal injury due to driving while intoxicated or under the influence of drugs; and debts for restitution or for a criminal fine. If a Chapter 13 Trustee or a creditor files with the Court an objection to Confirmation of a Plan, the Court schedules a hearing to determine if the proposed Plan complies with the law. The Plan must provide that all the debtor's projected net income will be paid to the Chapter 13 Trustee for the life of the plan. Net income is determined by applying the debtor's take-home pay against his monthly reasonable and necessary expenses.
David Casey, Attorney Office Location: 365 Broadway, Suite 203 El Cajon, California (619) 447-6780
(Note: This web site is for general information on bankruptcy - there is no inference that the Law Office of David Casey represents you in any way until a retainer and fee agreement is signed by you and attorney). Call for a free chapter 13 consultation today.
Let the Bankruptcy Laws Work For You. Stop Creditors! Call immediately! Call For Debt Relief Today! We are a debt relief agency. We help people file for relief under the Bankruptcy Code. |
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Over the past few years, bankruptcy filings in the United States have increased nearly forty percent. Unfortunately, with the down turn in the economy, there are more filings for relief every day. Despite changes to bankruptcy laws, bankruptcy still remains a useful tool for preserving assets while eliminating bad debts. Our Bankruptcy clients understand that just like trusts or other estate planning tools, bankruptcy is a legal right that is available to help you Bankruptcy may be the most powerful way to protect your family’s financial health and to STOP CREDITORS harassing you and your family. Too many lives and especially marriages are hurt due to unresolved financial matters. The Law Office of David A. Casey wants to help you and your family eliminate overwhelming financial stress and enable you to get the fresh start you need in order to flourish and to enjoy life again. Depending on your situation, a Chapter 7 or Chapter 13 bankruptcy filing may bring the relief you have been seeking. Let the Bankruptcy laws work for you!
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| San Diego, California, Looking to file a chapter 13 bankruptcy proceeding? My office is a short drive from San Diego. You probably will spend less time driving to my office than finding parking downtown San Diego and my parking is free. My office is located next to two major freeways minutes. My office also has an onsite pubic notary for your convenience if needed. Chapter 13 San Diego | Bankruptcy Attorney | San Diego | Chapter 13 SD | |
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Area of Bankruptcy Services :Alpine 91901 Bonita 91902 Chula Vista 91909-91915 - 91921, 92178, El Cajon 92019-92020, 92021 92022 - 92090 Escondido 92025-92027 - 92029-92030 - 92033, 92046 Jacumba 91934 Jamul 91935 Julian 92030 La Mesa 91941 92942 92943 91944 Lakeside 92040 Lemon Grove 91945-91946 MCAS Miramar 92145 Oceanside 92049, 92051-92052 - 92054-92058 Pacific Beach 92109 Pine Valley 91962 , 91990 Ramona 92065 Rancho Bernardo 92128 Rancho Santa Fe 92067, 92091 San Diego (city) 92101-92124 - 92126-92140 - 92142, 92143 - 92145, 92147 - 92149, 92150 - 92152-92155 - 92158-92179 - 92182, 92184 - 92186, 92187 - 92190 - 92199 Santee 92071 - 92072 Solana Beach 92075 Spring Valley 91976 92977 91978 91979 Bankruptcy San Diego California
If you don't see
your city just give me a call. For Chapter 13 Bankruptcy Service for the city of San Diego and San Diego East County, CALL NOW! Free Consultation My office is just minutes away San Diego. |
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With An Attorney
San Diego (city) 92101, 92102, 92103, 92014, 92015, 92016, 92107, 92108, 92109, 92110. 91211, 91212, 91213, 91214, 91215, 91216 -92124, San Diego 92125, San Diego 92126, san Diego 92127, San Diego 92128-92140, San Diego 92141, San Diego 92142, San Diego 92143, san Diego 92124, San Diego 92145, San Diego 92147, San Diego 92148, San Diego 92149, San Diego 92150, San Diego 92152, San Diego 92153, San Diego 92154, San Diego 92154, San Diego 92155, San Diego 92156, San Diego 92157, San Diego 92158, San Diego 92159, San Diego 92160, San Diego 92161, San Diego 92162, San Diego 92163, San Diego 92164, San Diego 92165, San San Diego 92166, San Diego 92167, San Diego 92168, San Diego 92169, San Diego 92170, San Diego 92171, San Diego 92172, San Diego 92173, San Diego 912174, San Diego 92175, San Diego 92176, San Diego 92177, San Diego 92178, San Diego92179, San Diego 92180, San Diego 92181, San Diego 92182, San Diego 92183, San Diego 92184, San Diego 92185, San Diego 92186, San Diego 92187, San Diego 92188, San Diego 92189, San Diego 92190 92191, 92192, 92193, 92194, 92195, 29196, 92197, 19198, 92199, 92199. Need debt relief. Is Chapter 13 right for you? Call a chapter 13 San Diego attorney. Get Chapter 13 Questions answer by a San Diego bankruptcy lawyer. Free Consultation Ch 13. We are a debt relief agency. We help people file for relief under the Bankruptcy Code.
Call 619 447-6780
Bankruptcy Attorney San Diego .
Chapter 7, Chapter13 Bankruptcy San Diego Bankruptcy Attorney. Chapter 7, Chapter 13 Bankruptcy Bankruptcy San Diego Attorney. Chapter 13, Chapter7 Bankruptcy San Diego Chapter 13 Bankruptcy Attorney. Most Qualify For Chapter 13 |
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