Poway Bankruptcy Attorney - Expert Personal and Corporate Bankruptcy Lawyers serving Poway, California. If you are struggling financially and looking to speak with a Poway 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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Daniel J King, Esq.
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About Poway
Poway is a city in San Diego County, California. Originally an unincorporated community in San Diego County, Poway officially became a city on December 1, 1980. Even though Poway lies geographically in the middle of San Diego County, most consider its relative location as north county inland. Poway's rural roots gave rise to its slogan "The City in the Country." As of the 2010 census the city had a population of 47,811. The ZIP code is 92064.
Poway is located at 32°58′12″N 117°2′19″W (32.969895, -117.038479) which lies north of the city of San Diego and south of the city of Escondido. Some nearby communities of San Diego include Rancho Bernardo, Sabre Springs, Scripps Ranch, Rancho Peñasquitos, and in the county to the east, the community of Ramona. According to the United States Census Bureau, the city has a total area of 39.3 square miles (102 km2). 39.2 square miles (102 km2) of it is land and 0.1 square miles (0.26 km2) of it (0.25%) is water.
Artifacts such as arrow heads, spear points, metates, grinding stones, and pottery found along the bed of Poway Creek all indicate an early Diegueño presence. Various pictographs adorn many of Poway's boulders, and modern techniques suggest that these paintings date back to the 16th century or earlier. Poway's contemporary history began in the late 18th century, when padres from the Mission San Diego de Alcalá kept cattle in the valley.
Documents of Mission San Diego de Alcala record the name of the valley as "Paguay" as early as 1828. Though there is a discrepancy on the exact translation of "Paguay," the generally accepted version indicates "the meeting of little valleys" or "end of the valley." Some controversy also surrounds the proper spelling on the name Poway, historically it has also been written as Paguai, Paui, Pauai, Pauy, and Powaii.
The name of the valley of Poway (Pauwai) is derived from the language of the Diegueno and Luiseno Indians who roamed the area for several hundred years before the Spaniards came. Traces of these Native Americans still remain. In Diegueño, the area is known as Pawiiy.
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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.