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# Bankruptcy Law Center: Bankruptcy Law Firm in San Diego

## Sitemaps
[XML Sitemap](https://www.bankruptcyattorneys.org/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [Wells Fargo COVID Forbearance Settlement: What You Need to Know](https://www.bankruptcyattorneys.org/wells-fargo-covid-forbearance-settlement-what-you-need-to-know/)
- [Bankruptcy Law Center Helps San Diego Residents Navigate $185 Million Wells Fargo COVID Forbearance Settlement](https://www.bankruptcyattorneys.org/bankruptcy-law-center-helps-san-diego-residents-navigate-185-million-wells-fargo-covid-forbearance-settlement/): San Diego, CA, March 26, 2025 —
- [Bankruptcy Law Center Expands Consumer Financial Advocacy Services to Support Borrowers Facing Credit and Mortgage Challenges](https://www.bankruptcyattorneys.org/bankruptcy-law-center-expands-consumer-financial-advocacy-services-to-support-borrowers-facing-credit-and-mortgage-challenges/): San Diego, CA, March 26, 2025 —
- [Wire Transfer Fraud: How To Recognize And Prevent It Before It Happens](https://www.bankruptcyattorneys.org/wire-transfer-fraud-how-to-recognize-and-prevent-it-before-it-happens/)
- [How to Protect Your Finances During a Career Change: Bankruptcy Law Considerations](https://www.bankruptcyattorneys.org/how-to-protect-your-finances-during-a-career-change-bankruptcy-law-considerations/)
- [Coping with Inflation During Retirement: Strategies to Help You Stay Ahead](https://www.bankruptcyattorneys.org/coping-with-inflation-during-retirement-strategies-to-help-you-stay-ahead/)
- [Organizing Your Finances: How a Clean Inbox Can Help](https://www.bankruptcyattorneys.org/organizing-your-finances-how-a-clean-inbox-can-help/)
- [The Risks of Shoulder Surfing in Public Places and How to Stay Safe](https://www.bankruptcyattorneys.org/the-risks-of-shoulder-surfing-in-public-places-and-how-to-stay-safe/)
- [Debt Management Strategies for Small Businesses: Tips for Avoiding Bankruptcy](https://www.bankruptcyattorneys.org/debt-management-strategies-for-small-businesses-tips-for-avoiding-bankruptcy/)
- [Navigating Investment Risks: How Bankruptcy Can Help Protect Your Financial Future](https://www.bankruptcyattorneys.org/navigating-investment-risks-how-bankruptcy-can-help-protect-your-financial-future/)
- [Managing Debt And Financial Risks As A Freelancer: Tips And Strategies For Success](https://www.bankruptcyattorneys.org/managing-debt-and-financial-risks-as-a-freelancer-tips-and-strategies-for-success/)
- [Investment Fraud: What You Need To Know And How To Protect Your Investments](https://www.bankruptcyattorneys.org/investment-fraud-what-you-need-to-know-and-how-to-protect-your-investments/)
- [The Importance Of Financial Literacy For College Students: Tips For Building Financial Skills And Avoiding Debt](https://www.bankruptcyattorneys.org/the-importance-of-financial-literacy-for-college-students-tips-for-building-financial-skills-and-avoiding-debt/)
- [Protecting Sales Contracts in Bankruptcy: Key Considerations for Businesses](https://www.bankruptcyattorneys.org/protecting-sales-contracts-in-bankruptcy-key-considerations-for-businesses/)
- [Chapter 7 vs Chapter 13 Bankruptcy: Which One Should You Choose for Debt Relief?](https://www.bankruptcyattorneys.org/chapter-7-vs-chapter-13-bankruptcy-which-one-should-you-choose-for-debt-relief/)
- [What You Need to Know Before Filing for Bankruptcy](https://www.bankruptcyattorneys.org/what-you-need-to-know-before-filing-for-bankruptcy/): If you are struggling to pay your bills and wondering about your financial future, you may consider filing for bankruptcy. There are a few things you should carefully consider before you take the next step of filing for bankruptcy. Bankruptcy is a legal process that can help you eliminate some or all of your debt to have a fresh financial start. Filing for bankruptcy will stop your creditors from demanding payment from you and from foreclosure. Below are some of the most critical factors you should consider before filing for bankruptcy. 
- [10 Steps You Should Take Immediately After Filing for Bankruptcy ](https://www.bankruptcyattorneys.org/10-steps-you-should-take-immediately-after-filing-for-bankruptcy/): Filing for bankruptcy is a big step that can change your financial future significantly. Knowing what steps to take after you get through the bankruptcy process can help you build your credit back, continue making payments, and avoid developing some of the same problems that resulted in a new filing for bankruptcy. Many people have recovered after bankruptcy and enjoyed a healthy financial future by taking the following steps. 
- [Five Documents You Will Need When Filing for Bankruptcy ](https://www.bankruptcyattorneys.org/five-documents-you-will-need-when-filing-for-bankruptcy/): So when you decide to file for bankruptcy, it is essential that you begin getting your paperwork ready. Along with your application, you will need to submit documents regarding your financial information, debts, income, assets, and financial transactions. Your bankruptcy application and corresponding forms must be filled out accurately and completely. It could delay your application if you include inaccurate information or fail to include the required documents. Additionally, if a court determines that you lied about financial transactions, your entire case could be thrown out. 
- [Will I Lose My House if I File for Bankruptcy? ](https://www.bankruptcyattorneys.org/will-i-lose-my-house-if-i-file-for-bankruptcy/): If you are currently overwhelmed by debt and have started to consider bankruptcy, you likely have a lot of questions and concerns, such as whether you will be able to keep your home, car, or other important assets. The answer, unfortunately, is not always a straightforward one, and it relies heavily on your specific financial situation. However, we will do our best to cover the basics here to give you an idea of how bankruptcy may affect your home-owning status. If you have questions about how bankruptcy will affect your ability to remain in your home, it is important to seek professional legal advice prior to filing. 
- [What Happens to Your Bank Accounts in a Chapter 7 Bankruptcy?](https://www.bankruptcyattorneys.org/what-happens-to-your-bank-accounts-in-a-chapter-7-bankruptcy/): Filing for bankruptcy is a difficult thing to consider. You may be concerned about what will happen to your finances, your job, your family, and your bank accounts. For many people considering bankruptcy, the thought of having their bank accounts monitored or even close can be disturbing. 
- [What Happens After I File for a Chapter 7 Bankruptcy?](https://www.bankruptcyattorneys.org/what-happens-after-i-file-for-a-chapter-7-bankruptcy/): When you are considering seeking debt relief, you may be wondering what will happen after you file for bankruptcy. As soon as you file a bankruptcy petition, a chain reaction of events will occur. Understanding the process of filing for Chapter 7 bankruptcy can help you make informed decisions and navigate your bankruptcy petition as smoothly as possible.
- [Understanding the Basics of Bankruptcy](https://www.bankruptcyattorneys.org/understanding-the-basics-of-bankruptcy/): Bankruptcy is a major decision that can also have significant benefits. Many people have misunderstandings about bankruptcy that keep them from considering it as an option, but if you are overwhelmed by debt and are struggling to see a way out, bankruptcy could be life changing for you. By understanding what bankruptcy is, what options are available, and how it can help, you can make an informed decision about whether it is the best path forward. 
- [Should I File for Bankruptcy if I Want to Keep Running My Small Business?](https://www.bankruptcyattorneys.org/should-i-file-for-bankruptcy-if-i-want-to-keep-running-my-small-business/): Operating a small business in the current economic climate is challenging. If you are one of the many small business owners struggling to pay your financial obligations, including your creditors, you are not alone. You may be considering filing for bankruptcy. Deciding whether or not to file for bankruptcy is a daunting process. 
- [If I File for Bankruptcy, Will Everyone Know About it?](https://www.bankruptcyattorneys.org/if-i-file-for-bankruptcy-will-everyone-know-about-it/): One of the most common myths regarding bankruptcy is that everyone will know you filed for bankruptcy. Unfortunately, there is still a significant stigma surrounding bankruptcy, even though over 700,000 American individuals and businesses typically file for bankruptcy yearly. Many people are understandably concerned that they will be embarrassed personally and professionally if people find out that they have filed for bankruptcy. Filing for bankruptcy is part of the public record, but people will not see it unless they specifically search the court records for you. For most individuals, filing for bankruptcy remains a relatively private process. 
- [How to File for Student Loan Bankruptcy](https://www.bankruptcyattorneys.org/how-to-file-for-student-loan-bankruptcy/): In the United States, the average student loan debt is $32,731. Since 2016, the average amount of student loan debt has increased by 20%. Additionally, over 600,000 borrowers owe over $200,000 in student debt, a number that will likely increase. As tuition costs continue to rise along with inflation, more graduates cannot make their monthly student debt payments. There is a common misconception that filing for bankruptcy will never discharge a person's student loan debt. However, it is possible to have your student loan debt discharged in bankruptcy under certain circumstances. 
- [How Many Types of Bankruptcy are There?](https://www.bankruptcyattorneys.org/how-many-types-of-bankruptcy-are-there/): There are six different types of bankruptcy under the United States Bankruptcy Code. The name of each type of bankruptcy is the chapter of the Bankruptcy Code, in which it is described. For example, chapter 7 liquidation bankruptcy is named after chapter 7 of the bankruptcy code, where this type of bankruptcy is discussed. Although there are six different types of bankruptcy, most individuals and businesses file for chapter 7, chapter 11, or chapter 13 bankruptcy. This post will discuss the differences between the six different types of bankruptcy. 
- [How Can I Stop My Vehicle From Being Repossessed?](https://www.bankruptcyattorneys.org/how-can-i-stop-my-vehicle-from-being-repossessed/): If you are behind on your car payments, you may be concerned that your lender will repossess your vehicle. Getting to and from work may be difficult, if not impossible, without a vehicle. It can also damage your credit score. If you are facing repossession of your vehicle, you can take steps to protect yourself. Depending on the facts in your case, you may be able to stop your vehicle from being repossessed in California. 
- [Five Steps to Help You Get Your Life Back After a Bankruptcy ](https://www.bankruptcyattorneys.org/five-steps-to-help-you-get-your-life-back-after-a-bankruptcy/): Filing for bankruptcy allows thousands of Americans to start fresh financially and turn over a new leaf. If you have filed for bankruptcy, you may feel like you have hit rock bottom financially. Even though bankruptcy does wipe out your past, the bankruptcy can stay on your credit report for seven to 10 years. Having a bankruptcy on your credit report can hurt your long-term ability to qualify for the credit, including a mortgage. After filing for bankruptcy, there are steps you can take to establish good credit and begin rebuilding your financial profile. It is possible to recover from bankruptcy and enjoy a bright financial future. Here are some steps to help you get your life back after filing for bankruptcy. 
- [Five Questions to Ask Yourself Before Filing for Bankruptcy](https://www.bankruptcyattorneys.org/five-questions-to-ask-yourself-before-filing-for-bankruptcy/): In many cases, filing for bankruptcy allows people to make a fresh financial start. For example, filing for bankruptcy stops all creditors from trying to collect from you. Filing for bankruptcy can result in your unsecured debt and some of your secured debt being discharged. If you are considering filing for bankruptcy, here are five questions you can ask yourself to help you determine if it is the best option for you.
- [Five Long-Lasting Effects of Bankruptcy](https://www.bankruptcyattorneys.org/five-long-lasting-effects-of-bankruptcy/): When you file for bankruptcy, the financial circumstances in your life may change in the short term and the long term. The idea of filing for bankruptcy can be scary, but it can positively change the course of your life. There is a stigma surrounding filing for bankruptcy, but many people have built strong financial futures for themselves after filing bankruptcy. If you are considering filing for bankruptcy, you are probably concerned about how it will impact your finances long term. There are some long-lasting effects of bankruptcy you may experience. However, you can rebuild your credit score and recover with a strategic plan.
- [Tips for Dealing With Bankruptcy Stress](https://www.bankruptcyattorneys.org/tips-for-dealing-with-bankruptcy-stress/): According to a recent survey, six out of 10 Americans say that money is a “significant form of stress.” If you are one of the many Americans concerned about how you will pay your bills, you are not alone. Many Americans worry about money every day. When individuals have to file for bankruptcy, the stress related to money can increase. Filing for bankruptcy can bring individuals and families the financial relief they need to move forward. However, going through the bankruptcy process can cause additional stress. Here are some tips to help you and your family deal with bankruptcy stress more effectively.
- [An Overview of Bankruptcy Exemptions](https://www.bankruptcyattorneys.org/an-overview-of-bankruptcy-exemptions/): If you are considering filing for bankruptcy in California, you may be concerned that you will lose your home, vehicles, and even your cell phone. Applicants who file for bankruptcy can claim a certain number of exemptions. In other words, when you file for bankruptcy, you will not be expected to surrender all of your property and assets during the process. Bankruptcy exemptions allow a debtor to keep property they otherwise had to sell to pay creditors. A bankruptcy attorney can help you determine which exemptions will benefit you the most in your case.
- [Expert Insight: Fair Credit Reporting Act (FCRA)](https://www.bankruptcyattorneys.org/expert-insight/): Read our Expert Insight Featured on Money Geek: Expert Insight: Fair Credit Reporting Act (FCRA)
- [How Long Do I Need to Wait Before I Can Get a Mortgage After Filing for Bankruptcy?](https://www.bankruptcyattorneys.org/how-long-do-i-need-to-wait-before-i-can-get-a-mortgage-after-filing-for-bankruptcy/): Many Americans have filed for bankruptcy in the last two years. The economic turmoil brought on by the coronavirus pandemic has resulted in many Americans losing their jobs or having their hours reduced. Now the prohibitions on evicting people from their homes are expiring, and many people will be wondering what they should do if they cannot pay their mortgages. 
- [The Five Big Questions Everyone Worries About When Filing for Bankruptcy](https://www.bankruptcyattorneys.org/the-five-big-questions-everyone-worries-about-when-filing-for-bankruptcy/): If you are deeply in debt and your bills are mounting, filing for bankruptcy may be an appealing option for you. You will have the chance to get your finances in order without creditors breathing down your neck. There may be other options available for you before you pursue bankruptcy. Sitting down and discussing your case with an attorney who will answer your questions can help you decide whether filing for bankruptcy is right for you. At the Bankruptcy Law Center, we have helped many California residents file for bankruptcy. Here are some of the most frequently asked questions everyone worries about when considering filing for bankruptcy. 
- [Five Steps for Protecting Yourself During a Bankruptcy ](https://www.bankruptcyattorneys.org/five-steps-for-protecting-yourself-during-a-bankruptcy/): Part of protecting yourself during the bankruptcy process involves understanding what assets will be exempt from bankruptcy. One of the best ways to learn about what the bankruptcy process will look like for you is to discuss your case with an experienced San Diego bankruptcy attorney.
- [What You Need to Know Before Filing for Bankruptcy in 2022](https://www.bankruptcyattorneys.org/what-you-need-to-know-before-filing-for-bankruptcy-in-2022/): Many industry experts are expecting that bankruptcies will increase in 2022. The COVID-19 pandemic and the expiration of the eviction moratorium are expected to increase bankruptcy filings in the first quarter of 2022. Mortgage companies that were previously barred from foreclosing on homeowners now have the green light to begin the foreclosure process. However, they cannot foreclose unless the homeowner has been behind on payments for at least 120 days. When Americans can no longer pay their mortgage and face foreclosure, they may file for chapter 7 or 13 bankruptcy. If you are one of the many San Diego residents considering filing for bankruptcy, it is important that you understand what to expect when filing for bankruptcy in 2022.
- [Six Steps to Remove Collections from Your Credit Report](https://www.bankruptcyattorneys.org/six-steps-to-remove-collections-from-your-credit-report/): If you have filed for bankruptcy, or you are considering bankruptcy, working on improving your credit score is important. Having a collection account will lower your credit score. Collections can stay on your credit report for up to seven years and may even keep you from getting an auto loan or a mortgage. Even if you pay a collection, it may still be recorded on your credit report. The credit reporting bureaus will simply change the account to a paid collection. Having collections removed from your credit report is possible, but it is not always easy. We will discuss six different strategies you can use to remove collections from your credit report.
- [When Will the Creditors Stop Calling Me After I File for Bankruptcy?](https://www.bankruptcyattorneys.org/when-will-the-creditors-stop-calling-me-after-i-file-for-bankruptcy/): Creditors are legally required to stop collecting debts from you once you file for bankruptcy. The bankruptcy court will order an automatic stay when you file your bankruptcy petition. The automatic stay protects you from creditors calling you and harassing you. Once you file your bankruptcy petition, your creditors receive notice about your bankruptcy from the court. 
- [Can a Judge Deny My Bankruptcy Petition?](https://www.bankruptcyattorneys.org/can-a-judge-deny-my-bankruptcy-petition/): Filing for bankruptcy can be a valuable tool to help people and businesses with significant debt start a new financial chapter. At the end of the bankruptcy process, many of the debtor’s debts are discharged. However, sometimes the bankruptcy court denies a debtor’s petition for bankruptcy. Judges do have a right to deny bankruptcy petitions under certain circumstances, though it is rare for them to do so. 
- [10 Famous People Who Have Filed for Bankruptcy](https://www.bankruptcyattorneys.org/10-famous-people-who-have-filed-for-bankruptcy/): If you are overwhelmed by debt and struggling to make payments to your creditors, filing for bankruptcy could give you the fresh start you need. There is still a stigma surrounding filing for bankruptcy, and you may be feeling down because of your financial problems. Like many other people, you are not alone, including famous people and presidents who have filed for bankruptcy or experienced significant financial problems. Many of these people went on to be successful after they filed for bankruptcy.
- [How to File For Emergency Bankruptcy](https://www.bankruptcyattorneys.org/how-to-file-for-emergency-bankruptcy/): If you were not living with an extreme amount of debt, it can feel overwhelming. Having extreme debt can be even more stressful when you are trying to deal with multiple creditors trying to collect money from you. In these situations, filing for bankruptcy could be your best option. If you are facing the collection of funds due to a lawsuit against you, or you are faced with losing your car to possession, filing for emergency bankruptcy could be your best option. 
- [Compare 4 Pros and Cons of Filing Bankruptcy](https://www.bankruptcyattorneys.org/pros-and-cons-of-filing-bankruptcy/): Are you unable to pay your bills and wondering what steps you can take? If so, filing for a Chapter 7 bankruptcy could be beneficial. If you are considering filing for bankruptcy, you are probably weighing the pros and cons of filing bankruptcy. If you feel that the pros outweigh the cons of filing for a Chapter 7 bankruptcy, you can be on your way to a fresh financial future faster than if you wait and do nothing. However, if you feel that the cons of a Chapter 7 bankruptcy are a deal-breaker, you may benefit from an alternative, such as filing for Chapter 13 bankruptcy.
- [Do Most People Qualify for Bankruptcy?](https://www.bankruptcyattorneys.org/do-most-people-qualify-for-bankruptcy/): If you are struggling to pay your bills and get out of debt, you may be considering filing for bankruptcy. Bankruptcy may be able to help you reduce or eliminate your debt and get back on your feet financially. Before you file for bankruptcy, it is wise to understand the requirements to file for bankruptcy. The requirements are based on the type of bankruptcy you are pursuing. All applicants will need to complete credit counseling and meet income guidelines before they can move forward. 
- [Is Declaring Bankruptcy That Bad?](https://www.bankruptcyattorneys.org/is-declaring-bankruptcy-that-bad/): Bankruptcy carries a negative stigma, and you may have heard many people tell you that bankruptcy is bad. Why is the general consensus that filing for bankruptcy is bad? Filing for bankruptcy shows that the applicant has trouble with personal finances, but there is much more to the story. A large part of why people think filing for bankruptcies is bad is that they do not understand the process. Every bankruptcy case is unique, and consumers are forced into bankruptcy for many different reasons, some of which are beyond their control.
- [How Much Does Filing for Bankruptcy Cost?](https://www.bankruptcyattorneys.org/much-filing-bankruptcy-cost/): If you are interested in filing for a chapter 7 or chapter 13 bankruptcy in San Diego, you may be wondering how much it will cost you. For those struggling to pay their bills, the thought of paying for bankruptcy can seem impossible. However, the cost of filing for bankruptcy will ultimately depend on the type of bankruptcy file and the complexity of your case. the more complex your case, the more likely it will cost more money. Additionally, the filing fees are different depending on the type of bankruptcy. 
- [How Will Bankruptcy Affect My Mortgage?](https://www.bankruptcyattorneys.org/will-bankruptcy-affect-mortgage/): If you are like the many Americans considering filing for bankruptcy, you may be wondering what will happen to your mortgage. For most of us, our homes are our most significant investment. It is where we spend time, raise our families, and the thought of losing our homes is devastating. A major concern for many homeowners in San Diego is whether they will lose the roof over their heads if they file for a chapter 7 or chapter 13 bankruptcy. The good news is that your mortgage company is not allowed to raise your interest rates or change your loan as a penalty for filing for bankruptcy. However, there is a relationship between bankruptcy and your mortgage that we will discuss below.
- [What are Five Common Reasons People Apply for Bankruptcy?](https://www.bankruptcyattorneys.org/five-common-reasons-people-apply-bankruptcy/): Many people are considering filing for bankruptcy, especially after the turbulent economic time we have experienced. In the United States, the number of people who are filing for bankruptcy is on the rise. There are many different reasons why people file for bankruptcy, and each bankruptcy case is unique. However, there are some common reasons people apply for bankruptcy, and we will discuss them below.
- [How Many Points Will My Credit Score Drop if I File for Bankruptcy?](https://www.bankruptcyattorneys.org/many-points-will-credit-score-drop-file-bankruptcy/): If you are considering filing for bankruptcy during these uncertain times, you are not alone. You may be wondering about the long-term impact of filing for bankruptcy. You probably are aware that filing for bankruptcy will impact your credit score. Perhaps your concern that your credit score will drop is keeping you from filing for bankruptcy. We will discuss how much filing for bankruptcy can drop your credit score below.
- [Is it Legal for Someone to Ask Me About Past Bankruptcies?](https://www.bankruptcyattorneys.org/legal-someone-ask-past-bankruptcies/): Filing for bankruptcy has helped many San Diego residents receive the fresh financial start they need. Nonetheless, there are some consequences of bankruptcy that can hinder a person’s job search. One of the most frequently asked questions we receive is whether someone can ask a person about a past bankruptcy. 

## Pages
- [San Diego Chapter 7 Bankruptcy Attorneys](https://www.bankruptcyattorneys.org/san-diego-chapter-7-bankruptcy-attorneys/): If debt has become unmanageable, Chapter 7 bankruptcy is a process by which most or all of your debts can be discharged — a genuine fresh start. For many people it is the fastest, most complete form of debt relief available, and it is one of the areas our San Diego attorneys handle every day. This page explains what Chapter 7 does, whether you may qualify, what happens to your property, and what the process looks like from your first call to your discharge.
- [About Our Firm](https://www.bankruptcyattorneys.org/about-our-firm/)
- [Breakdance – 4011570](https://www.bankruptcyattorneys.org/breakdance-4011570/)
- [Terms and Conditions](https://www.bankruptcyattorneys.org/terms-and-conditions/)
- [Chapter 11 Timeline & Costs: What San Diego Businesses Should Expect](https://www.bankruptcyattorneys.org/chapter-11-timeline-costs-what-san-diego-businesses-should-expect/)
- [Chapter 11 vs. Chapter 13: Which Reorganization Option Is Right for You?](https://www.bankruptcyattorneys.org/chapter-11-vs-chapter-13-which-reorganization-option-is-right-for-you/)
- [How Chapter 11 Reorganization Works: A San Diego Business Guide](https://www.bankruptcyattorneys.org/how-chapter-11-reorganization-works-a-san-diego-business-guide/)
- [Chapter 11 for Small Businesses: A San Diego Owner’s Guide](https://www.bankruptcyattorneys.org/chapter-11-for-small-businesses-a-san-diego-owners-guide/)
- [What Happens If You Miss a Chapter 13 Payment?](https://www.bankruptcyattorneys.org/what-happens-if-you-miss-a-chapter-13-payment/)
- [How Long Does Chapter 13 Bankruptcy Take in San Diego?](https://www.bankruptcyattorneys.org/how-long-does-chapter-13-bankruptcy-take-in-san-diego/)
- [San Diego Bankruptcy Law Insights: Chapter 7](https://www.bankruptcyattorneys.org/san-diego-bankruptcy-law-insights-chapter-7/)
- [What to Expect from San Diego Chapter 7 Attorneys](https://www.bankruptcyattorneys.org/what-to-expect-from-san-diego-chapter-7-attorneys/)
- [Home](https://www.bankruptcyattorneys.org/)
- [Donald Reid](https://www.bankruptcyattorneys.org/attorneys/donald-reid/)
- [Christian T. Spaulding Esq.](https://www.bankruptcyattorneys.org/attorneys/christian-t-spaulding-esq/): https://www.bankruptcyattorneys.org/wp-content/uploads/2022/07/ChristianSpaulding.pngCHRISTIAN T. SPAULDING ESQ.OF COUNSELCHRISTIAN T. SPAULDING ESQ.
- [Gabriel P. Hanna, Esq.](https://www.bankruptcyattorneys.org/attorneys/gabriel-p-hanna-esq/): https://www.bankruptcyattorneys.org/wp-content/uploads/2022/07/GabrielHanna.pngGABRIEL P. HANNA ESQ.ATTORNEY AT LAW
- [Anika Renaud-Kim Esq.](https://www.bankruptcyattorneys.org/attorneys/anika-renaud-kim-esq/): https://www.bankruptcyattorneys.org/wp-content/uploads/2022/07/AnikaRenaud-Kim.pngANIKA RENAUD-KIM ESQ.ATTORNEY AT LAW
- [Brett Bodie Esq.](https://www.bankruptcyattorneys.org/attorneys/brett-bodie-esq/): https://www.bankruptcyattorneys.org/wp-content/uploads/2022/07/BrettBodie.pngBRETT BODIE ESQ.ATTORNEY AT LAWBRETT BODIE ESQ.ATTORNEY AT LAWhttps://www.bankruptcyattorneys.org/wp-content/uploads/2022/07/BrettBodie.png
- [Brian J. Mcgoldrick Esq.](https://www.bankruptcyattorneys.org/attorneys/brian-j-mcgoldrick-esq/): https://www.bankruptcyattorneys.org/wp-content/uploads/2022/07/BrianJMcgoldrick.pngBRIAN J. MCGOLDRICK ESQ.
- [Our Reviews](https://www.bankruptcyattorneys.org/our-reviews/): Our Recent Reviews:
- [Press](https://www.bankruptcyattorneys.org/bankruptcy-news/press/)
- [Ahren A. Tiller Esq.](https://www.bankruptcyattorneys.org/attorneys/ahren-tiller/)
- [Bankruptcy News](https://www.bankruptcyattorneys.org/bankruptcy-news/)
- [Contact Us](https://www.bankruptcyattorneys.org/contact-us/): OUR OFFICES
SAN DIEGO OFFICES LOS ANGELES OFFICES
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- [Orange County Office](https://www.bankruptcyattorneys.org/orange-county-office/): OUR OFFICES
- [Chapter 11 Bankruptcy Attorney](https://www.bankruptcyattorneys.org/chapter-11-bankruptcy/): Learn about Chapter 7 Bankrputcys in San Diego. Visit Bankruptcyattorneys.org or call 1-800-551-7922 for a free consultation with a bankruptcy attorney.
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- [Bankruptcy Attorney Los Angeles](https://www.bankruptcyattorneys.org/bankruptcy-attorney-los-angeles/): Ready To Eliminate Your Debt?
Bankruptcy is still the best option. Other debt plans make promises, but only bankruptcy delivers. Call us at 800-551-7922
- [Liens In Chapter 7](https://www.bankruptcyattorneys.org/bankruptcy-basics/liens-in-chapter-7/)
- [The Bankruptcy Means Test California](https://www.bankruptcyattorneys.org/bankruptcy-basics/bankruptcy-means-test-california/): The New Bankruptcy Law in 2005 (the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005, or “BAPCPA”) added a new “qualification” standard for Chapter 7 called the “Means Test.” We’ll explain the Means Test below. Before BAPCPA, it was very rare for a Chapter 7 case to be dismissed because of a finding of “abuse” of the Bankruptcy laws. These earlier findings of abuse tended to happen where a debtor had very high income and could easily afford to pay back some debts over time, but instead chose to file Chapter 7 and discharge the debts. Again, it was rare and the Courts seemed to take action when there were very clear cases of this so-called abuse of the law.
- [Key Bankruptcy Terms](https://www.bankruptcyattorneys.org/bankruptcy-basics/key-bankruptcy-terms/)
- [Protect Your Exempt Property](https://www.bankruptcyattorneys.org/bankruptcy-basics/protect-your-exempt-property/): Most people who file Chapter 7 bankruptcy in San Diego get to keep all of their property because it may be considered “exempt” under the law. So how do we protect your exempt property in bankruptcy? And what exactly are these “exemptions”? Let’s take a look.
- [What Does Chapter 7 Do?](https://www.bankruptcyattorneys.org/bankruptcy-basics/what-does-chapter-7-do/): The overwhelming majority of bankruptcy cases are filed under Chapter 7 of the Bankruptcy Code. The actual percentage of cases that are filed as Chapter 7 cases is around 95% in most jurisdictions, including San Diego. Chapter 7 gets right to the heart of bankruptcy relief for the average person. Let’s take a look at why that’s the case.
- [Avoid Bankruptcy Mistakes](https://www.bankruptcyattorneys.org/bankruptcy-basics/avoid-bankruptcy-mistakes/): The Bankruptcy Law Center’s attorneys have filed thousands of bankruptcy cases over the years and are some of the best bankruptcy lawyers in the United States. Thanks to our experience, we’ve heard from a lot of people over the years that have used inexperienced lawyers and who suffered terribly as a result. These people have made critical mistakes. But we can help you avoid bankruptcy mistakes before they happen. Sometimes these people find us after the fact and ask us to “fix” their cases or problems. Sadly, this is not always possible.
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- [Stop Home Foreclosure](https://www.bankruptcyattorneys.org/stop-home-foreclosure/): Our San Diego bankruptcy lawyers will help you save your home. Contact the Bankruptcy Law Center today at Bankruptcyattorneys.org or by calling 1-800-551-7922 for a free consultation.
- [Chapter 13 Bankruptcy Attorney](https://www.bankruptcyattorneys.org/chapter-13-bankruptcy/): Everything you need to know about San Diego Chapter 13 Bankrputcy. Visit Bankruptcyattorneys.org or call 1-800-551-7922 for a free consultation with a Sand Diego bankruptcy attorney.