Carlsbad Bankruptcy Attorney - Expert Personal and Corporate Bankruptcy Lawyers serving Carlsbad, California. If you are struggling financially and looking to speak with a Carlsbad bankruptcy attorney, you've come to the right place. We will stop lawsuits, stop garnishments, stop, bank account levies, stop judgments and stop foreclosures. We have 36 locations to meet you in California.
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Toll Free 1(888) 754-9877 Available 7 Days a Week 7am to 9pm 36 LOCATIONS IN CALIFORNIA A bankruptcy is an opportunity to be relieved of constant harassing phone calls from creditors and collection agencies. Consulting with a bankruptcy attorney to see if a bankruptcy might be your best option, to determine if you qualify for relief and which chapter is appropriate based on your particular circumstances is essential. There are many misconceptions regarding bankruptcy. As a consumer or small business owner, you have the option of Chapter 7 liquidation or Chapter 13 reorganization. Chapter 7 Liquidation Chapter 7 can be utilized by individuals, married couples, businesses and corporations. In most consumer and small business cases, however, you are able to retain most if not all of your personal assets. Also, filing automatically stays or stops all collection activities. You have to qualify for a Chapter 7 proceeding. Your monthly income must be lower than the median income for your state. In California, the median income for a single individual is $47,798 and for two, $62,009. Otherwise, your disposable income must be low enough to qualify. This is determined by deducting your monthly expenses from your average monthly income over the past 6 months. If it is too high, you may still consider a Chapter 13 petition. In any bankruptcy, you must list all your creditors. You must also have not transferred any substantial property within 90 days of filing or within one year if such transfer was made to a relative or business partner or the court can void it. A list of your monthly expenses and assets is also required. You are entitled to certain exemptions regarding your personal assets so that the trustee will not seize them for the benefit of your creditors. For example, you can exempt a motor vehicle, much if not all of your home equity, retirement accounts, bank accounts, furniture, tools of your trade and other items. Consult with our expert bankruptcy lawyer about what exemptions are available to you. You must also take an approved credit counseling class before filing and a personal financial management class before your discharge. Most discharges occur about 4 months after you file. Your unsecured creditors, such as credit cards and medical expenses, are dischargeable. Chapter 13 Reorganization If your disposable income is too high, or if you wish to continue operating your small business, or you face foreclosure of your home, then a Chapter 13 is an option. You must have a steady income, though, to some degree, are paid within either a 3 or 5 year plan. The length of your repayment plan depends on your income. If it exceeds the state’s median, your plan will likely be 5 years. A chapter 13 can save your home from foreclosure provided you can make your regular monthly mortgage payments while repaying your arrearages over the life of the plan. Any second mortgage would be discharged at the termination of the plan if all is otherwise successful. Further, you can have past due taxes, student loans and child support payments paid off within the plan as well. Bankruptcy protection might be the relief you are seeking. Consult with an experienced bankruptcy attorney about your particular circumstances and to see if filing for bankruptcy is the right decision for you. |
Keep Your CAR
Keep Your HOUSE
Keep Your DIGNITY
Keep Your RETIREMENT
Keep Your 401K
Keep Your PENSION
20
Years Experience
9,800+
Happy Clients
Daniel J King, Esq.
Managing Attorney / Owner
Many Locations
LA, OC, Inland Empire
AFFORDABLE
EASY Payment Plans
Phone Meetings
Start your case by phone Attorney meetings by phone
Phone or Zoom
Go to court by phone or zoom
$100+ Million
Discharged
Bankruptcy May Help You:
Free Consultation$100,000,000+ $100 Million Discharged
Bankruptcy May Help You:
Keep Your CAR
Keep Your HOUSE
Keep Your DIGNITY
Keep Your RETIREMENT
Keep Your 401K
Keep Your PENSION
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Free Consultation
100% Free Consultation
(Today)
Process Petition
Become a client
Run Credit Report
Process Petition
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Prepare for BK Court
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(Bankruptcy Court)
with Bankruptcy Attorney
Attorney Daniel J King
Education: UC Berkeley UndergraduateSouthwestern University School of Law
$100,000,000+
$100 Million Discharged
20 | 9,800+ |
Years Experience | Happy Clients |
About Carlsbad
Carlsbad is an affluent seaside resort city occupying a 7-mile (11 km) stretch of Pacific coastline in North San Diego County, California. The city is located 87 miles (140 km) south of Los Angeles and 35 miles (56 km) north of downtown San Diego. Referred to as "The Village by the Sea" by locals, Carlsbad's Mediterranean climate attracts visitors year-round to its quaint hotels and five-star luxury resorts. According to the U.S. Census Bureau, the city had a population of 106,888 as of July 2011.
Carlsbad's history begins with the Luiseño people who located one of their villages, Palamai, near what is today Agua Hedionda Lagoon. In the 1880s a former sailor named John Frazier dug a well in the area. He began offering his water at the train station and soon the whistle-stop became known as Frazier's Station. A test done on a second fresh-water well discovered the water to be chemically similar to that found in some of the most renowned spas in the world, and the town was named after the famed Spa in the Bohemian town of Karlsbad.
To take advantage of the find, the Carlsbad Land and Mineral Water Company was formed by a German-born merchant from the Midwest named Gerhard Schutte together with Samuel Church Smith, D.D.Wadsworth and Henry Nelson. The naming of the town followed soon after, along with a major marketing campaign to attract visitors. The area experienced a period of growth, with homes and businesses sprouting up in the 1880s. Agricultural development of citrus fruits, avocados and olives soon changed the landscape. By the end of 1887, land prices fell throughout San Diego County. However, the community survived on the back of its fertile agricultural lands.
According to the United States Census Bureau, the city has a total area of 39.1 square miles (101 km2) of which 37.7 square miles (98 km2) are land and 1.4 square miles (3.6 km2) are (3.55%) water, the majority of which is contained within three lagoons and one lake.
The northern area of the city is part of a tri-city area consisting of northern Carlsbad, southern Oceanside and western Vista.
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LOCATION DISCLAIMER: The Attorney Group has a main office in Anaheim Hills, California. All other addresses are local offices available on an advanced appointment basis for meetings and depositions.