San Diego Personal Bankruptcy Principles

It’s not an easy decision to file for bankruptcy. Not only are you having to cope with the anxiety of being buried under debt, but there’s also the fear that filing for bankruptcy will negatively impact your credit for years. Needless to say, it’s a big decision, and one which should not be made casually.

Previously, Sam Spital and Associates had been helping clients with personal bankruptcy cases in San Diego from 1978 -1990. Then, they analyzed cases and helped clients to determine if filing for personal bankruptcy was the right step for you and your family. Bankruptcy can aid those who have overwhelming debt because of credit card debt, unpaid taxes, medical bills, or unpaid income taxes.

If your debt outweighs your assets and you cannot pay your bills, bankruptcy may be your only option. San Diego bankruptcy law can be very confusing, so seeking a personal bankruptcy attorney who knows the law and can help you down the right path is of paramount importance. However, since approximately 1990, Spital and Associates has not focused on Bankruptcy cases.

Types of San Diego Personal Bankruptcy

  • Chapter 7 bankruptcy – often referred to as “straight” bankruptcy, in Chapter 7 bankruptcy, a debtor is permitted to retain a certain amount of property up to an exemption limit. Any property over that amount is earmarked to pay creditors.
  • Chapter 13 bankruptcy – often referred to as the “Wage-earner’s Plan”, in Chapter 13 bankruptcy, a schedule of assets, debt, and income is generated and a plan of action for debtors with steady income to play back a portion or entirety of their debt

Aggressive San Diego Bankruptcy Representation

Choose a Bankruptcy lawyer who is prepared to help you preserve your legal rights; one who employs thorough knowledge of California bankruptcy law and the technological resources to tirelessly investigate your case and help you determine the wisest path to settling your debt and moving forward. Seek a lawyer who  will keep you constantly up-to-date on the details of your case so you can make informed decisions.

At Spital & Associates, our practice is focused on Professional and Occupational Licensing, and criminal defense. For an experienced personal bankruptcy attorney, go to to view the profile of  lawyers to obtain legal advice and representation.



Main Offices

Professional and Occupational Licensing

Criminal Defense

8880 Rio San Diego Drive, Suite 800
San Diego, CA 92108-1642
Telephone: 619-583-0350
Fax: 619-583-1850

Associates available 24/7.
Call (619) 583-0350 or send us an e-mail.

The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation.

Ratings and Reviews

BBB 10.0Samuel Eugene Spital
Samuel E. SpitalClients’ ChoiceAward 2021 Samuel Eugene SpitalClients’ ChoiceAward 2020
avvo rated 10/10 in Criminal Defense avvo rated 10/10 in Juvenile Law avvo rated 10/10 in Licensing
avvo rated 10/10 in Personal Injury Top ContributorAward 2012Samuel Eugene Spital Samuel Eugene SpitalReviewsout of 207 reviews