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San Diego Bankruptcy Lawyer

Filing for bankruptcy is one of the hardest decisions for a family to make.  If you have been affected by the recession, and you are drowning in debt, you may need to find a San Diego bankruptcy lawyer.  The law surrounding a bankruptcy case can be confusing and you will need information about whether you should file for a chapter 7 or a chapter 13 bankruptcy. There are many lawyers to choose from and you need to find one that will understand your situation and your specific needs.  Take the time you need to get the answers to all of your questions before making any final decisions.

You may be surprised to find out that filing bankruptcy is not uncommon.  Nationally 1.6 million cases have been filed in the past year.  According to the American Bankruptcy Institute 22,831 people filed for bankruptcy in the San Diego area.  People are trying to keep their homes while they search for better paying jobs and a more affordable way of life.  When you find a San Diego bankruptcy lawyer you will  have the information you need to make good decisions.  There are new laws that can help homeowners refinance mortgages, refinance credit card debt and create more reasonable payment plans.  Although, you will also be able to decide if filing for bankruptcy and getting a new start is the best choice for you and your family.

A chief economist for Point Loma Nazarene University stated that she thinks the peak has been reached in the San Diego area.  Lynn Reaser believes that the households in the most danger have already filed for bankruptcy  and people are thinking more carefully about what they are spending.  The recession has affected people all over the country and filing for bankruptcy does not make you a bad person.  The loss of a job or the inflated costs of gasoline have contributed to the rise of money problems for many good people.  The most important step is to reach out for help and find a San Diego bankruptcy lawyer who can help.

If you are tired of answering calls from creditors and collection agencies, you need to consider all of your options. No one wants to worry about how to pay the bills when there is not enough money to go around. Filing for a chapter 7 bankruptcy will wipe out most types of debt, but you will be able to keep your home and other eligible assets.  Filing for a chapter 13 bankruptcy is more of a payment plan which will allow you to payback less money than you owe.  There are pros and cons to both of these plans and you will need to speak with an attorney to decide which one will be best for your situation.  You can find a San Diego bankruptcy lawyer who will help you get started and be there for you every step of the way.  If you are serious about getting out of debt and beginning a stress free life, check out  and find the best lawyer in town.

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