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 www.avvo.com to view the profile of lawyers to obtain legal advice and representation.
SPITAL AND ASSOCIATES
Professional and Occupational Licensing
8880 Rio San Diego Drive, Suite 800
San Diego, CA 92108-1642
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.