Bankruptcy & Debt Relief Lawyer in San Diego, California
A Bankruptcy & Debt Relief Agency Providing Personal Bankruptcy Counsel: Chapter 7 and Chapter 13
Are you facing foreclosure because you financed your home with a sub-prime mortgage and now face enormous Adjustable Rate Mortgage (ARM) payments? Have you lost your job or incurred significant uninsured medical expenses? If you are struggling to meet your obligations or if you simply lack the resources to pay your bills, you need to speak with an experienced personal bankruptcy attorney.
At Nuñez Law Corporation, in San Diego, we represent individuals who seek personal bankruptcy protection through Chapter 7 or Chapter 13 relief. At our office, you will always speak with an attorney and you will be treated with courtesy and respect. Contact us for a confidential consultation.
We understand that the decision to file for bankruptcy can be difficult and emotional. We believe that it’s important for us to get to know you, to find out what your individual needs are and to build a relationship based on trust and honesty. At our office, you will speak with an attorney every time you call. We will keep you informed of the status of your case in a candid and respectful manner.
If your debt is substantial, you may be able to have many of your debts discharged, in exchange for the sale or liquidation of property you own. Under the new bankruptcy law, enacted in 2005, it is more difficult to qualify for a Chapter 7 bankruptcy. You must now submit to a “means test,” where the court determines whether you have the ability to enter into a repayment arrangement with creditors. If so, your only course of action is under Chapter 13.
It is important to work with an attorney, as some debts (such as tax obligations) may not be dischargeable in bankruptcy. Additionally, certain assets are exempt from sale under the bankruptcy laws.
If you fail to qualify for the discharge of debts under Chapter 7, you can still seek relief under Chapter 13. Though you won’t be able to discharge your debt, you will still get immediate relief from the harassing letters and phone calls from creditors and collection agencies. We will work with you and your creditors to establish realistic repayments schedules, so that you can lower your monthly obligations and pay your debt off over time.
For personalized and compassionate bankruptcy counsel in the San Diego area, contact our office to schedule a confidential consultation. At Nuñez Law Corporation, we will always treat you in a professional and honest manner.