San Diego Bankruptcy Attorney

RESTORE YOUR FINANCIAL INDEPENDENCE WITH OUR
EXPERIENCED TEAM OF BANKRUPTCY ATTORNEYS
1

INDEX
Bankruptcy Attorney San Diego 03
Bankruptcy Lawyer San Diego 04
San Diego Bankruptcy Attorney 05
San Diego Bankruptcy Lawyer 06
Photo Gallery 07
Our Services 08
Portfolio 09
Bankruptcy Lawyer San Diego 10
2

As Southern California’s leading bankruptcy law firm,
the BLC Law Center also helps protect our clients
from creditor harassment and help them better
understand their rights.
We are a legal team for the people and as such, we
strive to provide a higher level of service and support
for our clients; you have our word on it.
3

Certain guidelines have been put in place that
creditors must adhere to and our team
of experienced attorney’s understand these
regulations and can offer real world legal advice that
will help take away the stress and anxiety of the debt
collector.
4

San Diego Bankruptcy Attorney
We offer a free, no-obligation consultation and
provide our clients with a detailed analysis
explaining, in plain terms, their situation and decide
on a course of action. When you file for Chapter 7
bankruptcy, you are taking a positive step toward
restoring your financial independence.
5

Whether your rights have been infringed upon or you
are looking for a more effective way to manage your
debt, the Bankruptcy Law Center will meet with you
to discuss your legal options and talk to you about
your rights.
6

PHOTO GALLERY
7

Our Services
We serve the entire Southern California area and in
doing so, we have built a solid reputation as a legal
team that will fight for your rights.
No matter what your situation, there is always a way
out and our team will explain to you your options and
show you the light at the end of the tunnel.
8

Portfolio
9

Creditors are getting more and more brazen in their
attempts to collect debts and when they go too far,
the Bankruptcy Law Center will be here for you. We
realize that finding the right attorney can be difficult
and our team of legal professionals will make that
decision easier for you; contact us today and see
what the Bankruptcy Law Center can do for you.
10

At the Bankruptcy Law Center, we are committed to
helping you through this often daunting process,
empowering you to exercise your rights and become
free of the debts that are weighing you down.
We recognize that the decision to file may be a source
of concern for you, so we demystify the law and help
you find a viable solution to your financial challenges.
11

San Diego Bankruptcy Attorney
Chapter 7, sometimes called “straight bankruptcy,” is
the most common form of bankruptcy in the United
States.
For most people, Chapter 7 bankruptcy eliminates all
debts and allows you to keep your possessions and
property.
12

Chapter 7 bankruptcy typically results in the
“discharge” of your debts about 3 months after you
file a petition. As part of the process, we determine
your eligibility to file (called the “means test”) and
we show you how bankruptcy will change your life by
discharging your debts.
13

Your bankruptcy case will get rid of your personal
liability on most all debts, including credit card debt,
medical bills, utility bills, personal loans, lawsuits,
mortgages and underwater liens on property. Of course
there are some limited types of debts that are not
eliminated in a Chapter 7 bankruptcy. These are called
“exceptions” to your discharge and they are spelled
out in the law.
14

These limited exceptions include alimony and child
support, some types of tax debts, debts incurred
dishonestly or that resulted from criminal penalties
and most government insured student loans. Chapter 7
bankruptcy also provides generous “exemptions” that
allow most people to keep all of their property.
15

The rules for exemptions also require, in many cases,
some planning before you file a bankruptcy case, so
consulting with the Bankruptcy Law Center will start
the process that will answer all your questions about
what happens to your property. Bankruptcy Law
Center attorneys are highly experienced at using the
bankruptcy laws pro-actively improve your financial
standing and to protect your property.
16

Other than these situations, Chapter 7 bankruptcy will
not generally eliminate liens on your property and
these liens will pass through bankruptcy unaffected by
the case.
17

San Diego Bankruptcy Attorney
You won’t have personal liability for the debts
underlying most all of these liens after bankruptcy,
but the lien or mortgage holder will eventually be
allowed to take back the liened property unless you
pay the amounts legally due.
18

Chapter 13 bankruptcy is a “reorganization” of your
debts and is designed for people that have regular
income but need time to pay back certain kinds of
debts (like defaulted home mortgages).
It can best be defined as a restructuring and
consolidating of debts into a more manageable plan
for repayment.
19

Chapter 13 recognizes that some debts can’t be paid
back in full, but it gives most people an opportunity to
pay what they can afford, above living expenses, over
a 3 to 5 year period. At the end of the approved
reorganization, the balance of unpaid debts generally
will be discharged and you will be free of your
obligations.
20

San Diego Bankruptcy Attorney
At the Bankruptcy Law Center, we are happy to work
with you to determine if a reorganization is the best
way for you to eliminate and deal with your debts.
Some of our attorneys used to work for the Chapter
13 trustee and they know exactly what works and
how to get your plan approved by the Court.
21

Of course, we will look at the debts you owe and
advise you as to which form of bankruptcy filing is
appropriate. If Chapter 13 is a viable resolution to
your current challenges, we will aid you in forming a
repayment plan that best suits your current income
situation.
22

After we formulate a plan that works for you, we file
it with the court. It is reviewed by the Chapter 13
trustee and the court decides plan is fair and meets all
the requirements of the law.
If so, the courts will approve and oversee the plan,
ensuring that your creditors are paid while you are
able to handle the monthly payments more easily.
23

In most cases, your repayment must start within 30 to
45 days of filing your case, and the overall plan
typically lasts three to five years. So why would you
choose Chapter 13 over Chapter 7 when Chapter 7
quickly gets you a discharge of your debts?
24

Bankruptcy Lawyer San Diego
Bankruptcy Lawyer San Diego
25