Encinitas Bankruptcy Attorney - Expert Personal and Corporate Bankruptcy Lawyers serving Encinitas, California. If you are struggling financially and looking to speak with a Encinitas 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
Review/Amend Petition
Attorney Meeting
Review Petition
Confirm Petition
Prepare for BK Court
Freedom
341a Meeting of Creditors
(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 Encinitas
Encinitas is a coastal beach city in San Diego County, California. Located within Southern California, it is approximately 25 miles (40 km) north of San Diego in North County and about 95 miles (153 km) south of Los Angeles. As of the 2010 census, the city had a population of 59,518, up from 58,014 at the 2000 census. The largest single industry in the city is the growing of ornamental flowers, particularly poinsettias.
The city was incorporated after a majority vote of 69.3% in 1986 from the communities of historic Encinitas, new Encinitas (Village Park, etc.), Leucadia, Cardiff-by-the-Sea and Olivenhain. These communities retain their identities and distinctive flavors.
Encinitas lies on rugged coastal terrain. The city is bisected by a low lying coastal ridge that separates New and Old Encinitas. In the north of the city, the coast rises in elevation and the land is raised up in the form of many coastal bluffs. The city is surrounded by Batiquitos Lagoon and San Elijo Lagoon to the north and south, respectively.
Encinitas has a very mild, Mediterranean climate. Average daily high temperature is 72 °F (22 °C). Temperatures below40 °F (4 °C) and above 85 °F (29 °C) are rare. Average rainfall is about 10 inches (250 mm) per year. The wet season lasts during the winter and spring, when temperatures are usually cool. Average daytime temperatures hit 65F in winter and spring, when rain and marine layer (fog) are common (May Gray/June Gloom). Nighttime lows range from 45-55F. The dry season lasts from summer through fall, with average daytime temperatures ranging from 75-85F, and nighttime lows being from the upper 50s-60sF. Ocean water temperatures average 60F in winter, 64F in spring, 73F in summer, and 66F in fall.
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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.