Chula Vista Bankruptcy Attorney - Expert Personal and Corporate Bankruptcy Lawyers serving Chula Vista, California. If you are struggling financially and looking to speak with a Chula Vista 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
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$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
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(Today)
Process Petition
Become a client
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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 Chula Vista
Chula Vista is the second largest city in the San Diego metropolitan area, the seventh largest city in Southern California, the fourteenth largest city in the State of California, and the 77th-largest city in the United States. The population was 243,916 as of the 2010 census.
Located just 7 miles (11 km) from downtown San Diego and 7 miles (11 km) from the Mexican border in the South Bay region of the metropolitan area, the city is at the center of one of the richest economic and culturally diverse zones in the United States. Chula Vista is so named because of its scenic location between the San Diego Bay and coastal mountain foothills.
Founded in the early 19th century, fast population growth has recently been observed in the city. Located in the city is one of America's few year-round United States Olympic Training centers and popular tourist destinations include Cricket Wireless Amphitheater, the Chula Vista marina, and the Chula Vista Nature Center.
Prehistoric evidence, of both land and aquatic origin, date Chula Vista's history to millions of years back. In the year 3000 B.C. people speaking the Yuman (Quechan) language began movement into the region from the Lower Colorado River Valley and southwestern Arizona portions of the Sonoran desert. Later the Kumeyaay tribe came to populate the land, on which the city sits today, who lived in the area for hundreds of years.
Owning up to its Spanish name origins - beautiful view - Chula Vista is located in the South Bay region of San Diego County, between the foothills of the Jamul and San Ysidro Mountains (including Lower Otay Reservoir) and San Diego Bay on its east and west extremes, and the Sweetwater River and Otay River at its north and south extremes. In South Bay, Chula Vista has a large footprint and, aside fromSouth San Diego, it is the largest geographic entity in the region.
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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.