La Mesa Bankruptcy Attorney - Expert Personal and Corporate Bankruptcy Lawyers serving La Mesa, California. If you are struggling financially and looking to speak with a La Mesa 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. |
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20
Years Experience
9,800+
Happy Clients
Daniel J King, Esq.
Managing Attorney / Owner
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LA, OC, Inland Empire
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Bankruptcy May Help You:
Keep Your CAR
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Keep Your DIGNITY
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Keep Your 401K
Keep Your PENSION
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Education: UC Berkeley UndergraduateSouthwestern University School of Law
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$100 Million Discharged
20 | 9,800+ |
Years Experience | Happy Clients |
About La Mesa
La Mesa is a city in San Diego County, California. The population was 57,065 at the 2010 census, up from 54,749 at the 2000 census.
La Mesa in Spanish means "the table", or alternately "the plateau", relating to its geography. La Mesa was part of a larger tract,Mission San Diego de Alcalá, and was used by Spanish Missionaries.
La Mesa was founded in 1869 and The City of La Mesa was incorporated on February 16, 1912, under the general laws of the State of California. As such, it does not have a city charter but operates under the laws of the State of California in all respects not specifically covered by any city ordinance.
La Mesa is located at 32°46′17″N 117°1′22″W (32.771450, -117.022797). It is bordered by the city of San Diego on the west and north, Spring Valley and Lemon Grove on the south, and El Cajon on the east. It includes the neighborhood of Grossmont.
According to the United States Census Bureau, the city has a total area of 9.1 square miles (24 km2). 9.1 square miles (24 km2) of it is land and 0.04 square miles (0.10 km2) of it (0.44%) is water.
La Mesa is approximately 12 mi (19 km)) east of the Pacific Ocean. Because of this, La Mesa typically experiences more extreme temperatures than San Diego, which mostly lies significantly closer to the Pacific Ocean. La Mesa has a Semi-arid Steppe climate. La Mesa typically has hot, dry summers and warm winters with most of the annual precipitation falling between November and March. The city has dry weather with around 13" of annual precipitation. Summer temperatures are generally hot, with average highs of 78°F-92°F (26°C–33°C) and lows of 56°F–68°F (13°C–20°C). Winter temperatures are warm, with average high temperatures of 66°F–77°F (19°C–25°C) and lows of 46°F–58°F (8°C–14°C). The climate in the San Diego area, like much of California, often varies significantly over short geographical distances resulting in micro-climates. In San Diego's case this is mainly due to the city's topography (the Bay, and the numerous hills, mountains, and canyons). Frequently, particularly during the "May gray/June gloom" period, a thick "marine layer" cloud cover will keep the air cool and damp within a few miles of the coast, but will yield to bright cloudless sunshine approximately 5–10 miles (8–16 km) inland. This happens every year in May and June. Even in the absence of June gloom, inland areas tend to experience much higher temperatures than areas closer to the coast.
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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.