How Much Does It Cost To File For Bankruptcy? Filing for Bankruptcy is not costly, and it has the potential to relieve a significant amount of your debt. However, if you truly cannot afford the costs of Bankruptcy, there are other options for you.	What If I Have Already Filed For Bankruptcy? It is possible to file for Bankruptcy more than once, under certain limitations.	I'm Being Sued By A Creditor, What Are My Next Steps? If you have already been sued by a creditor or your lender has already accelerated the note and intends to foreclose it might be too late to negotiate. At any moment your home might be sold, wages might be garnished, or bank accounts might be levied. Consider filing bankruptcy to immediately stop your lenders and creditors from any further collection activities. Don't run the risk of waiting until it's too late.
What If I Have No Way Of Paying Off My Debts? Depending on your situation, filing for Bankruptcy under Chapter 7 and Chapter 13 can eliminate the legal obligation to pay some or all of your debts. This is called a "discharge" of your debts.	Am I Required To Pay My First and Second Mortgages in Full? In a Chapter 13 bankruptcy, you may be able to file a LAM motion an Adversary Proceeding against your second lender (depending on your judge) to remove the second mortgage from title. Under this scenario, you would own your home free and clear of the second mortgage.	How Do I Know If I Am Eligible For A Chapter 7 Bankruptcy? You will be required to present a Statement of Current Monthly Income and a Means Test Calculation so that the court may determine whether you are able to pay creditors. If your current monthly income is equal to or below the state's highest median family income for a family of the same size, you are automatically eligible to file under Chapter 7. If you're above the median income level you will be required to complete and file the "long-form" means test. Ultimately, even if If you are ineligible for a Chapter 7, you have the option to file a Chapter 13 petition where you might be required to pay back a percentage of your debts in the Chapter 13 plan.

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Residents of San Diego County would be required to file in the Eastern District of California.

If you live in the San Diego area and are in financial trouble, we can help you. San Diego Bankruptcy Attorney Stephen Vokshori uses his years of expertise to explain your bankruptcy options and to assist you in any of the following areas:

• Debt Relief
• Chapter 7 Bankruptcy
• Chapter 13 Bankruptcy
• Chapter 11 Bankruptcy
• Debt Consolidation
• Debt Settlement
• Budget Counseling

Vokshori Law Group specializes in providing comprehensive and practical bankruptcy advice to individuals, families and small businesses. Working closely with our clients, our San Diego bankruptcy attorneys seek solutions that are in our clients' long-term best interests for achieving their goals. In some cases, Attorney Stephen Vokshori works with clients and discovers that bankruptcy is not in their best interests, and that loan workouts are better options.

Mr. Vokshori says, "The threat of filing bankruptcy is sometimes just as powerful as filing bankruptcy itself. If you tell credit card companies bankruptcy is on the horizon, it gives you leverage. And for many clients filing bankruptcy is the solution if your debts are so overwhelming that your daily life is seriously impacted. If your debt is always on your mind or your way of life is threatened -- your house is going to be foreclosed, wages garnished, the car you need to get to work is going to be taken -- then bankruptcy has to be, if not your first thought, then right up there."

"The biggest advantage to declaring bankruptcy is the automatic stay which will prevent a foreclosure from going forward or a car from being repossessed. Bankruptcy is difficult, and it's recommended to get a lawyer. There are costs, but it is a way to get out of overwhelming credit card debt."

Vokshori Law Group never shares your information and all correspondences are protected by the lawyer/client privilege.

Name:
Email:
Phone:

24 hr. Service Promise: We will call you in one day or less.

Vokshori Law Group provides bankruptcy assistance to individuals and businesses in the San Diego area, including:

Brawley, Calexico, Calipatria, Carlsbad, Chula Vista, Coronado, Del Mar, El Cajon, El Centro, Encinitas, Escondido, Holtville, Imperial, Imperial Beach, La Mesa, Lemon Grove, National City, Oceanside, Poway, San Diego, San Marcos, Santee, Solana Beach, Vista, Westmorland