Imperial Beach Bankruptcy Attorney - Expert Personal and Corporate Bankruptcy Lawyers serving Imperial Beach, California. If you are struggling financially and looking to speak with a Imperial Beach 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
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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
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Phone Meetings
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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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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 Imperial Beach
Imperial Beach is a residential beach city in San Diego County, California, with a population of 26,324 at the 2010 census. The city is the most southern beach city in Southern California and the West Coast of the United States. It is in the South Bay area of San Diego County, 14.1 miles south of downtown San Diego and 5 miles northwest of downtown Tijuana, Mexico.
Imperial Beach is located at 32°34′42″N 117°7′2″W (32.578255, -117.117111) making it the most southwesterly city in the continental United States. According to the United States Census Bureau, the city has a total area of 4.5 square miles (12 km2). 4.2 square miles (11 km2) of it is land and 0.3 square miles (0.78 km2) of it (7.22%) is water. The city occupies the extreme southwest corner of the continental United States: bordered by Tijuana, Mexico to the south, Coronado, California and the San Diego Bay to the north, San Diego to the east, and the Pacific Ocean to the west.
Imperial Beach is located in San Diego County, the fifth most-populous county in the United States and part of the San Diego Metropolitan Area, the 17th largest metropolitan area in the United States with over 3 million people. It is also part of the San Diego – Tijuana metropolitan area, the largest bi-national metropolitan area shared between the United States and Mexico with over 5 million people. Despite the large population surrounding the city, Imperial Beach maintains a small residential feel.
Founded in June 1887, the city takes its name from Imperial County, California, a desert climate 100 miles east. Farmers and landowners from the Imperial Valley came to the area in the late 1880s seeking cooler weather during summer months. In March 1887, over 2,000 laborers descended upon nearby Coronado, California to construct the Hotel del Coronado, the largest resort in the world at the time. A large amount of the workers stayed in Imperial Beach and some would later make it their permanent homestead. The city would incorporate in 1956, operating its own Mayor-council government providing city fire department service and policing by the San Diego County Sheriff's Department.
The city has a Mediterranean climate with summer temperatures often in the upper 70s and winter temperatures in the 60s. Because of the comfortable year round temperatures many homes in Imperial Beach are built without air conditioning. Imperial Beach often remains 10 degrees cooler than inland areas of San Diego County in the summer, and 10 degrees warmer in the winter. The city is mostly or partly sunny 323 days of the year, with the wettest months in winter. The Farmer's Almanac consistently ranks the area within the Top 10 Best Weather Cities in America. The Scripps Institution of Oceanography operates a weather reporting station at the middle of the Imperial Beach Pier for sky condition, temperature, humidity, pressure, wind and water temperature data.
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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.