Times are hard.  Our San Diego Bankruptcy Lawyers can help.

Do you feel like you are drowning in debt, have creditors calling and harassing you, or are facing repossession or foreclosure? Having financial problems is nothing to be ashamed of, and many people consider bankruptcy at some point in their life. Often events occur in our lives over which we have no control, and these can leave us with overwhelming financial consequences. Fortunately, the US government recognizes this dilemma and provides federal bankruptcy laws to support people in exactly this  situation.

For over 30 years, The Bankruptcy Lawyers at Law Office of Harold D. Thompson has helped countless people in San Diego overcome financial difficulties through filing bankruptcy debt relief petitions. As experienced bankruptcy lawyers, we are able to provide personalized debt relief service and handle more complex bankruptcy issues.  As a client, you can expect to meet with us  one-on-one to analyze your finances and determine together whether filing for bankruptcy is in your best interest. Each case is unique, and we does not recommend bankruptcy to everyone if there is another, better alternative. If you decide to file, our San Diego Bankruptcy Attorneys  carefully analyze which Chapter is best for your individual case and then helps you throughout the entire process. Chapter 7 and Chapter 13 are the two common forms of consumer (individual) bankruptcy protection.

Filing Chapter 7 Bankruptcy eliminates most of your debt, but may also result in the forced liquidation of your assets. Chapter Bankruptcy 13 is better for more complex situations, and for dealing with specific debt relief problems not covered in Chapter 7, such as home foreclosure in San Diego.

Chapter 13 Bankruptcy can be used to prevent foreclosure and safeguard the home by restructuring your mortgage arrears. Filing Chapter 13 Bankruptcy can also prevent repossession of a vehicle by similarly restructuring the loan payments to make it more affordable. Chapter 13 additionally addresses debt problems such as delinquent taxes, allowing you to catch up without penalties and involuntary levies of wages and assets.  Our bankruptcy lawyers can decide which chapter is right for you. 

Because of our over three decades of bankruptcy experience, The San Diego Bankruptcy Attorneys at the  Law Office of Harold D. Thompson are able to provide creative solutions to even the most complex of client problems that don’t fit “in the box.” We utilizes all aspects of bankruptcy law and procedure to generate an innovative solution tailored to your unique situation and interests.