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Chapter 13  Bankruptcy Attorney | Chapter 13 Debt Relief Information.

David Casey, Attorney  

365 Broadway, Suite 203 

             El Cajon, California

                   (619) 447-6780                          

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

In the last 20 years I have helped hundreds of individuals like yourself with divorces and the financial problems that they can cause.  If you are having money problems after your divorce you are in the vast majority of divorce individuals, a Chapter 13 bankruptcy filing may be the answer for you.  It does not discharge your debt but in some cases it can be lowered to pennies on a dollar under a bankruptcy chapter 13 bankruptcy plan.  It could help you from getting your home out of foreclosure, stop repossession for taking place on your vehicles and it will certainly  stopping creditor's from harassing you.  As most people who has creditor problems will tell you a divorce can be messy but creditors just keep calling you all the time demanding payment.

The Law Office of David A. Casey provides provides personal service to our clients. If you have been through a divorce and you are in need of debt relief using Chapter 13, my office will give you professional legal representation.   Filing for bankruptcy is a major and important decision that will affect you financially.  Attorney Casey provides you with the time necessary to ensure that the bankruptcy process is done properly.  After a contested divorce, getting out of debt can be more of a challenge than the actual divorce.  Chapter 13 can help.   I can advise you what it can and can't do and whether or not  a Chapter 13 or Chapter 7 is right for you.

Attorney Casey's philosophy is to treat every client with respect as we would expect to be treated if there was a change of events that affected our lives.  The purpose of bankruptcy is to seek relief from your financial hardship, stop foreclosures,  and put a stop to unreasonable harassing creditors pursuant to the bankruptcy laws. For many Chapter 13 Bankruptcy is a legal procedure to get you back on track.  After a divorce just about everything might be upside down and a bankruptcy chapter payment plan may be the best option you have. Many times on unsecured debt you may only have to pay a small amount instead of the entire debt. Plus, if you complete the plan the remainder is discharged. 


In Most Chapter 13 Bankruptcy filings my office doesn't require payment of attorney fees upfront.  Attorney fees are paid out of the plan to my office.  I also use the court presumed rate from attorney fees instead of billing rate unless otherwise indicated, and again, my fees are paid out of the Chapter 13 plan.  We are here to make this as easy as possible for you and most people after they file wonder why they waited so long to file a Chapter 13 under a wage earner plan.

In the last year, bankruptcy filings have increased 30%. The primary reason for filing personal bankruptcy is an unforeseen financial down turn, loss of savings and unable to borrow funds at a reasonable rate. Many have over time had medical expenses, excessive credit card debt, loss of employment, death of a family member and divorce.

California - Chapter 13 Bankruptcy Information

Many times you will hear Chapter 13 as a repayment  plan or a wage earner plan.  Many times after a divorce there is only a little amount of money left to pay on both secured debts and unsecured debt.  Chapter 13 can help many.  Under a Chapter 13 bankruptcy, the debtor  proposes a 3-5 year repayment plan to the creditors offering to pay off all or part of the debts from the debtor's future income. After reviewing all the facts I will tell you what is right for you.

Chapter 13 can be used to  prevent a house foreclosure; make up missed  or late trust or or mortgage payments; to stop or lower interest from accruing on you tax debt;  or pay back taxes; (local, California state taxes, or the IRS federal).  You can also keep non-exempt property which you would have been required to liquidate under  Chapter 7 but don't have to under Chapter 13.  If you finish the plan and make the payments under the terms of your repayment agreement, all your remaining dischargeable debt will be released at the end of the plan (typically three to five years). How much will you have to pay under  Chapter 13?  The amount to be repaid is determined by different legal  factors including the debtor's disposable income. Also the minimum total amount paid to creditors under the Chapter 13 plan must be at least the amount that the debtor would have paid the creditors.   Under  Chapter 13 bankruptcy protection you must have a "regular source of income" and this regular source of income must include  some disposable income to make payments under the Chapter 13 payment plan.

Chapter 13 bankruptcy is generally used mainly by debtors who have significant debts and are behind and also have secured assets and want to keep them. This can be a home, car, equipment where the debtor has  more equity in the secured assets than is allowed under bankruptcy exemptions.  Chapter 13 bankruptcy is a chance to reorganization your debt whereas a Chapterr7 bankruptcy is a liquidation of all but exempt assets.

Under a Chapter 13 bankruptcy, you are allowed to make up overdue payments over time and to reinstate the original agreement. You can keep valuable nonexempt property under a Chapter 13 plan.  In many cases, a  Chapter 13 can be a better option than a seven. However, if you want to eliminate your big heavy debt burden and don' want to make payment for 3-5 years then Chapter 7 is the way to go if you meet the means test.   

No-Obligation Consultation. Get your Bankruptcy Consultation today.

(619) 447-6780

Take The First Step to Getting

Your Debt Relief Started!

 Call Today!

Under the federal law before starting,  you are required to sign release forms before we can begin working on your personal bankruptcy case. However, I do not charge for a consultation. I also do not require a retainer (attorney fees) until I have reviewed your entire situation to see if you qualify for Chapter 7.  If you don't qualify for Chapter 7,  it does not mean Bankruptcy can't  work for you. Chapter 13 can also give you great results.   Your  assets, debts, expenditures, and exemptions will be examined in order to put you in the best legal and financial position after bankruptcy.  The goal is to get you out of debt!   

Contact David A. Casey today to discuss Chapter 7 bankruptcy. We promptly return all inquiries (phone or e-mail), I am here to help you now. Let my office help you to get the fresh start today.

We are a debt relief agency under the bankruptcy code. We help people file for relief under the Bankruptcy Code. Let the bankruptcy laws work for you and stop the creditors from harassing your piece of mind. 

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

(Note: This web site is for general information on bankruptcy - there is no inference that the Law Office of David Casey represents you in any way until a retainer and fee agreement is signed by you and attorney).  Any documents drafted without  coming into the law office or via the internet is considered in "Pro Per" and is solely based on your representation of of the information you provide.  Attorney Casey has been practicing Family Law since 1989 and has assisted individuals, couples and businesses with their bankruptcy needs.

Consumer Bankruptcy Attorney,  EL Cajon, California

Bankruptcy Attorney  

David A. Casey- Attorney

Let the Bankruptcy Laws Work For You.

Stop Creditors!  Call immediately!

Call For Debt Relief Today!

Let the Bankruptcy laws work for you!

Stop Creditor's calls immediately through Bankruptcy!

             Stop or Delay Foreclosures!

Chapter 13 and Chapter 7 Bankruptcy

                can get you a fresh start.

                  Get Relief  From the Stress

                     of Your Financial Hardship.    

                 Call Today for a Free Phone Consultation! 

YOU ARE NOT ALONE IN FILING BANKRUPTCY

More debtors had to file bankruptcy in the wake of unemployment, large medical bills and the overall problems with the economy.   

  • ►Consumer bankruptcy filings are on the rise. There were 266,767 bankruptcy filings in the second quarter of 2008 as compared to 236,891 filings in the first quarter of 2008.  The 2009 the Bankruptcy rate will be much higher.
  • ►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.  Chapter 7 and 13 will be even higher this year.

     Consumer Bankruptcy Attorney,  EL Cajon, California

Call  Attorney,  David A. Casey, Esq.

(619) 447-6780

Take The First Step to Getting

Your Debt Relief Started!

 Call Today!

 

 

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.

Thinking about buying a home after chapter 7 bankruptcy? Studies indicated that around 90% of individuals after filing bankruptcy receive solicitation from a lender actually indicating that they knew they had filed bankruptcy. So remember, credit is your ability to borrow money, and that may actually improve after filing bankruptcy. Certainly it will improve if you can put money aside to pay your bills, on time, after the bankruptcy and probably to put some money into a savings account.  Bankruptcy is a right granted under the federal law to protect and to help people like you.

Common Questions and Answers About Bankruptcy.  Visit Our Bankruptcy Web site by -  Click here

 

No matter if your Bankruptcy needs are simple or very complex,  my office is here to assist you.  The positive benefits of bankruptcy law can help.  Bankruptcy is like taking some medication for an infection. If you don't take it things will get worse.   Your welcome to contact other attorneys and to find one that you are comfortable with.   Don't just retain an attorney on fees.  Check what you are getting.  Don't be another number.    

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. Any documents via the internet is considered in Pro Per.  However, due to the complexity of Bankruptcy, it is highly recommended that you retain an attorney so you can get the full protection under the Bankruptcy law.

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

 
Looking for a Bankruptcy Lawyer without having to go downtown in San Diego?  My office is located next to two major freeways in El Cajon. I'm only minutes away from:   La Mesa, Lemon Grove, Lakeside, Alpine, Rancho San Diego, Santee, Spring Valley, Chula Vista. My office also has an on-site pubic notary when needed.  
Cities : San Diego 92019, 
Santee 92071 92072 , El Cajon 92019 92020 92021 92022 ,  Lakeside 92040 La Mesa 91941 91942 91943 91944, Jamul 91935, Alpine 91901, Spring Valley 91976 91977 91978 , Potrero 91963, Lemon Grove 91945, Campo 91906 , Bonita 91902, Mission Valley  92108,  San Carlos  92119 92120 San Diego 92109 - 92118, La Jolla 92037 92038 92039 Pacific Beach, Tierrasanta, Pt Loma, Kearny Mesa, University City, Mira Mesa,  Ocean Beach, Bonsal, Jacumba, Julian, Descanso,  Vista, Chula Vista, Linda Vista, Serra Mesa, Rancho Bernardo,  National City, Clairemont. If you don't see your city just give me a call.
Call (619)  447-6780 

Talk to a Bankruptcy Attorney, El Cajon, CA

                                                    
Area of Service :Alpine 91901 Bonita 91902  Chula Vista 91909-91915 - 91921 Coronado 92118, 92178  Del Mar  92014 Dulzura 91917  El Cajon 92019-92020, 92021 92022 - 92090  Escondido 92025-92027 - 92029-92030 - 92033, 92046  Imperial Beach 91932-91933  Jacumba 91934 Jamul 91935  Julian 92030 La Jolla 92037-92039  - 92092-92093 La Mesa 91941 92942 92943 91944  Lakeside 92040  Lemon Grove 91945-91946  MCAS Miramar 92145  Oceanside 92049, 92051-92052 - 92054-92058 Pacific Beach 92109 Pala 92059 Pine Valley 91962 , 91990  Ramona 92065  Rancho Bernardo 92128  Rancho Santa Fe 92067, 92091  San Diego (city) 92101-92124 - 92126-92140 - 92142, 92143 - 92145, 92147  - 92149, 92150  - 92152-92155  - 92158-92179  - 92182, 92184  - 92186, 92187  - 92190 - 92199  Santee 92071 -  92072 Solana Beach 92075  Spring Valley 91976 92977 91978 91979 

 We are a debt relief agency. We help people file for relief under the Bankruptcy Code.  For debt relief El Cajon, Santee, Alpine, CA, San Diego, La Mesa, Lemon Grove, Spring Valley, Call Attorney Casey at 619  447-6780

 

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