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San Diego Bankruptcy Lawyer

Many people have money problems when it seems like there is more money going out than there is coming in. This is when the average person looks at bankruptcy as the best solution because it can help to get rid of some of the creditors. When this sounds like the situation you have run into, a San Diego bankruptcy lawyer needs to be contacted.

One of the first things a San Diego bankruptcy lawyer is going to help you with is to determine what chapter you need to file. There is chapter 7, 11, 13 and many other chapters. Each one is based upon whether it is a person or business filing as well as how much debt they actually have. They will calculate your debt and work with you to determine what is right for you.

Another thing a bankruptcy lawyer is going to help you with is to hold onto as many assets as possible. You will have someone come to your home to evaluate your assets. When this happens, they will calculate how much the items in your home are worth. Depending on what you have in your home, some of it may be seized and sold in order to be sold off to be the creditors.

Every bankruptcy lawyer has different costs. Much of this has to do with how much they will do for you. There are many lawyers that expect you to do the majority of the work. Others will ask you for basic information and do a lot of the work for you. Depending on how much you want to do and how much you want to spend, there is a lawyer out there that'Âs right for you.

How much debt do you have? What can you afford to pay? These are questions a bankruptcy lawyer is going to work with you on so you can answer the judge. Depending on your answers, you may have to go onto a payment plan with some of your creditors because not all debt will be wiped clean.

Additionally, there are going to be situations where you will want or need to hold onto certain assets. For example, you will want to hold onto your car as well as any property that helps you to earn your living. If you are close to going into foreclosure on your home, you may also want to consider including your home in the bankruptcy. This is when you will want to go over all of the pros and cons with your lawyer.

Filing bankruptcy is noÂt always the answer for when you have money problems. However, for many it is the best answer because of the amount of debt to income ratio that has been accumulated. Speak to your San Diego bankruptcy lawyer about your options to see if bankruptcy is right for you and what your other options are.
Filing bankruptcy can be a time consuming process, so when you do decide to go through with it, you will want a knowledgeable and experienced lawyer at your side.

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