You know that your money problems are not going to go away on their own.  Even if you had the income to make monthly payments with the compounding high interest rate creditors are charging, plus additional fees, your debts may even increase rather than decrease.  All of this is overwhelming.  Your just working hard and never getting ahead.

With a Chapter 7 bankruptcy you can make most unsecured debts go away and most of secured debts too. The longer you wait the more  problems you will have such as wage garnishments, law suits, liens and maybe even a big tax liability.   The money issues of being in debt adds substantial stress to you and your family.

If you are over your head in debts, bankruptcy is one of the best options available to discharge all of your unsecured debts.  Many bankruptcy laws are designed to help people like you.  Creditor's calls and harassment can be stopped when you file your petition even if you have a judgment against you or wage garnishment, however, most child support  obligations and student loan obligations can not.

Filing Chapter 7 bankruptcy or any bankruptcy is a major and important decision. The reason you are reading this web site is that you know you need help. For many, you have tried everything else and you realize that you are just postponing your financial problems.  Chapter 7 bankruptcy helps to give you a fresh start.  I receive  many thank you calls after the completion of a bankruptcy case.  it is great to know that I was able to effectively assist them in getting that new start to financial freedom.   Your ability to get credit after filing bankruptcy may even improve! It is not uncommon to get two or three offers for credit after the discharge even from the same card companies who were not willing to work with the debtor before bankruptcy.  For most who are over their head in debt, bankruptcy improves their ability to get credit.

When you come into my office the first thing you will notice is that it is a small professional law office that provides  individual debt relief service. We also provide a pre- bankruptcy review which will provide you with the information you need to make the decision to proceed to file for bankruptcy.  Unfortunately, there are bankruptcy mills out there who just take your information and prepare the documents, then file it.  No verification.  You may not even see the attorney or representative until the Meeting of the Creditors or maybe not at all.  Since there were no documents provided or verification process, the trustee could bring a motion to dismiss your bankruptcy due to not following the procedures,  not providing documentation, non-appearance or many other problems that may occur.    For a bankruptcy mill this is good news since they can now charge you more money to handle  the problems which may not have occurred had they done it right in the first place.   Why risk getting your bankruptcy dismissed?  I will provide you with the time necessary to ensure that the chapter 7 bankruptcy process is managed in an effective manner.  You will be advised and provided guidance when needed at every step in the bankruptcy process.

Chapter 7 Bankruptcy San Diego, Free Chapter 7 Consultation San Diego

20. If you lost your job and have no ability to pay your monthly obligations now or within the next 30 days.

21.  Your house get foreclosed on or is past due. Don’t wait until you are about to lose your home. Call a bankruptcy attorney now!

San Diego - Chapter 7 Bankruptcy - Free Chapter 7 Consultation

(619) 447-6780 

Let the Bankruptcy Laws Work For You!

Stop Creditors!  Call immediately!

Call For Debt Relief Today!

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.

Over the past few years, bankruptcy filings in the United States have increased nearly thirty percent.  Unfortunately, with the down turn in the economy, there are more filings for relief every day.  Despite changes to bankruptcy laws, bankruptcy still remains a useful  tool for preserving assets while eliminating bad debts. Our bankruptcy clients understand that bankruptcy is a legal right that is available to help you.  Bankruptcy may be the most powerful way to protect your family’s financial health and to STOP CREDITORS harassing you and your family.  Too many lives and especially marriages are hurt due to unresolved financial matters.   The Law Office of David A. Casey wants to help you and your family eliminate overwhelming financial stress and enable you to get the fresh start you need in order to flourish and to enjoy life again. Depending on your situation, a Chapter 7 or Chapter 13 bankruptcy filing may bring the relief you have been seeking.      

• ►It was estimated that in 2008 there were more than 1.1 million consumers who sought the protection of the Bankruptcy courts. Chapter 7 accounted for 64.37% percent.  In 2009 we reached 1.4 million bankruptcy filed. Chapter 7 and 13 will be even higher this year.

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(619) 447-6780

 Chapter 7  Bankruptcy Attorney, Chapter 7 Lawyer

YOU  MAY HAVE HEARD HORROR STORIES FROM CREDITORS that if you file bankruptcy you will not be able to get credit or you will not be able to buy a home.

The credit card companies or home loan lenders must determine whether or not to lend to a person after filing bankruptcy.  What the banks consider when determining your risk factor is your current status. As for a home, the most important factor that they will consider is your current debt to income ratio, in other words, how much outstanding debt you have relative to your income coming in.  If you are thinking about bankruptcy most likely you have a very high amount of outstanding loans or high credit card consumer accounts and probably would not qualify for a loan. They want to make sure your mortgage payment is no greater than 30% of your gross monthly income. So let’s put this in perspective, right now, calculate how much income compared to your monthly debt payments.

After filing bankruptcy you have no outstanding debt and cannot file for another eight years. In fact, you look like a much better candidate for credit card companies after filing bankruptcy. You even have the money to pay the credit card amount each month without any interest charges.

This web site is intended for general information only and does make any inference that this constitutes a retainer for my services or that I  represent you.

This communication is an “Advertisement” as defined by the California Rules of Professional Conduct and California Business and Professions Code. No communication herein shall create an attorney-client relationship unless a separate retainer agreement is signed by an attorney and client. This material is for informational purposes only and not intended to provide legal counsel or legal advice to you.