San Marcos Bankruptcy Attorney - Expert Personal and Corporate Bankruptcy Lawyers serving San Marcos, California. If you are struggling financially and looking to speak with a San Marcos 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
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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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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 San Marcos
San Marcos is a suburb of San Diego in the North County section of San Diego County, California. As of the 2010 census, the city had a total population of 83,781. Outside the San Diego region, it is best known as the home of California State University, San Marcos. The city is bordered by Escondido to the east, Encinitas to the southwest, Carlsbad to the west, and Vista to the northwest.
According to historical legends, the San Luis Rey Mission flocks were robbed by a small band of Indians in the late 18th century. Fleeing the Spanish troops, the Indians escaped to the hills. While pursuing the Indians, the Spaniards came upon a fertile valley in 1797 which was named Los Vallecitos de San Marcos (Little Valleys of Saint Mark) to honor the day of discovery: April 25, St. Mark’s Day. On April 22, 1840, Governor Juan B. Alvarado granted Rancho Vallecitos de San Marcos to his relative, Jose María Alvarado. Jose Alvarado was killed at the Pauma Massacre in 1846, and the land was left to his wife; she then sold the land to Lorenzo Soto. In the late 1850s, Soto sold part of his land to Cave Couts and his family was soon raising livestock. Although Cave Couts owned the land, Major Gustavus French Merriam from Topeka, Kansas made the first permanent settlement. Merriam homesteaded 160 acres (0.65 km2) in the north Twin Oaks Valley and began wine and honey production.
After Major Merriam’s settlement, German and Dutch immigrants began moving into the area in the early 1880s. Then in 1883 a few miles south of the settlement, John H. Barham founded the first town in the area. By 1884, the town of Barham had a post office, blacksmith, feed store and a weekly newspaper. In 1887, the San Marcos Land Company bought almost all of the San Marcos land formerly owned by the Couts family and promptly divided the land into tracts. Soon the beautiful hills began attracting home-seekers.
The original town of San Marcos was at the intersection of what is now Grand Avenue and Rancho Santa Fe Road. In 1887, the Santa Fe Railroad announced that it was going to lay tracks going through the valley, but to the disappointment of the citizens, the tracks were laid one mile (1.6 km) away from the center of the town. By 1896, San Marcos was a community with its own stores, post office, blacksmith and railroad depot. In 1903, the town appeared to be going downhill, so the people of San Marcos picked up their homes and moved along the railroad tracks to what now are Mission Road and Pico Avenue. By 1905, the town had every convenience, including rural mail delivery and telephone service. The first school in the area, which had started in Barham in 1880, was moved in 1889 to San Marcos. Later that same year, the Richland School was built, being the second school in San Marcos. The main business in San Marcos in the 19th and early 20th centuries was farming. In the mid-20th century, dairies and poultry production became a big part of the business in the town.
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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.