Bankruptcy is the legal status of a person that cannot pay what is owed to the creditors. Mostly it is imposed by a court order. Bankruptcy San Diego California is a legal process that allows a person in an expected financial difficulty to be considered for debt relief by the court.

Bankruptcy San Diego, California-110 W C St, San Diego, CA 92101, 619-273-5445

Bankruptcy San Diego, California-110 W C St, San Diego, CA 92101, 619-273-5445

  • Medical bills
  • Being laid off
  • Any unforeseen economic hardship

All are considered legal reasons for San Diego Bankruptcy Filings.

The creditor or the insolvent person may file in order to get a court proceeding.  In San Diego, California there are laws that govern bankruptcy San Diego and make the process of filing a bankruptcy more complicated to the consumers.

Types of Bankruptcy

There are two types of bankruptcy that a person may find themselves filing.

  • Chapter 7
  • Chapter 13

Chapter 7 Bankruptcy San Diego, CA

1.  A judge will decide if you are eligible for Bankruptcy or not.  If you have financial means you may not qualify.

2.  Any available assets that can be, will be used to settle as much of your debt as possible.

3. The remaining debt will either be:

  • Paid Off
  • Set up for a payment schedule
  • Done away with

4.  You may have to surrender property to pay off these debts.

Chapter 13 Bankruptcy San Diego, CA

1.  A judge will decide if you qualify for bankruptcy in this case also.

2.  Here you will pay back the debt you owe on an extended schedule.

3.  You will be allowed to keep your property as you are paying the agreed upon debt in full.

Do you feel like you are drowning in debt?

Do you feel like you are drowning in debt?

Other Bankruptcy San Diego California Considerations

*The ways of determining which type of Chapter to be filed depends on what type of assets you own or have in interest.

*Individuals living in the United States and companies  are  qualified to file for bankruptcy.

*When filing three parties are involved and they both get a say in the outcome:

  • The creditors
  • The insolvent (that’s You)
  • The Court


1.  One thing that happens when filing is that a person is issued with the “automatic stay” order which implies that all the creditors are legally obligated to stop all collection efforts.

2.  Normally, the creditors are informed of the petition after it is filed to stop them from

  • Harassing phone calls
  • Letters
  • Racing to the court house to try to collect on the debt before creditor can

3.  Debt relief

This law is designed to help people who need assistance in making a clean break rather than spending the rest of their lives being chased by the burden of unsettled amount of debts.

Costs of Bankruptcy San Diego, CA

The cost for filing is more than just the filing fee.  There are fees for:

  • mandatory pre-filing in a San Diego, CA Bankruptcy Court
  • mandatory debt management counsel
  • advice and information to help you decide whether to file
  • preparing your forms for filing
  • other court procedures that may be beneficial
If you are suffering from debt, maybe it's time to find help.

If you are suffering from debt, maybe it’s time to find help.

Each court has its own rules but in Bankruptcy San Diego, CA the minimum requirements for filing a petition will include:

  • a filing fee
  • social security numbers signed by the debtor
  • credit matrix (either in form of CD or form that contains names and addresses of all creditors)
  • certificate of credit counseling and debt repayment

It is rare for one to go to jail for bankruptcy, but if you have other criminal penalties the courts can hold you for failure to pay and one can be incarcerated. If you want legal advice and analysis of the details on your  Bankruptcy San Diego, CA you can hire a Bankruptcy Lawyer San Diego  for help.

Call the Bankruptcy San Diego Pros today at 619-273-5445.

Bankruptcy San Diego Pros

110 W C St

San Diego, CA 92101


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