Attorney For Bankruptcy San Diego

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San Diego BK Law Firm

When someone is unable to meet their financial obligations due to crushing debt, life can be unbearably stressful. Sanchez & Baltazar Attorneys, P.C. understands, and we are here to help. There are many reasons for considering bankruptcy; there are also different potential solutions for relieving financial stress. Our BK attorneys provide low-cost solutions and trusted legal advice and services. We handle bankruptcy cases for clients throughout the greater San Diego area and Orange County and have an office in Los Angeles. Scheduling a free case evaluation with one of our attorneys for bankruptcy in San Diego is the first step toward a fresh start for your finances.

Ways Your BK Attorney in San Diego Can Help

At S&B Legal, we work closely with our clients to understand their specific circumstances, so we can recommend the right bankruptcy option. Whether you need help getting out from under business debts or need a personal bankruptcy solution, you can trust S&B Legal for proven results. We represent individuals in Chapter 7 and Chapter 13 filings, and we help businesses with Chapter 11 bankruptcies.

  • Chapter 7. If your income is lower than that of the average California resident, a Chapter 7 bankruptcy may be your best option. This common type of bankruptcy filing erases most debt, giving people a clean start with their finances. In some cases, clients can retain certain assets and repay a portion of what they owe with other assets, while discharging remaining debt completely.
  • Chapter 13. If a Chapter 13 filing makes sense, you will create and follow a structured payment plan for three to five years, based on your available income. At the end of the agreed-upon time, the court will discharge any remaining debt. This option is a common choice for people with regular income who want to stay in their homes and retain vehicles or other property while making scheduled payments toward their debt.
  • Chapter 11. Chapter 11 is a bankruptcy option for business owners, which allows the organization to stay in business while a portion of the company’s income is used to repay creditors. This is similar to a Chapter 13 filing in many ways, although there are generally more complexities and nuances with business bankruptcies.

Financial Stress Can Come From Different Types of Debt

You may be considering bankruptcy for various reasons; no two bankruptcy cases are exactly alike. Whether you are experiencing financial stress due to IRS obligations, credit card debt which has snowballed out of control due to high interest rates, medical bills, subordinate mortgage loans, personal loans, business debts or any combination of these, an experienced BK lawyer can help you evaluate your options for debt relief.

What happens if you file your bankruptcy case with us

Filing for bankruptcy may sound scary. But doing so can provide peace of mind in several ways. When you file a bankruptcy petition, creditors and debt collectors must stop contacting and harassing you. You can also be confident that your utilities will not be shut off due to non-payment. If you are behind on your mortgage, filing for bankruptcy can help you avoid foreclosure on your home. Similarly, a bankruptcy filing can protect your vehicle from being repossessed. You also won’t need to worry about having your license or passport revoked or dealing with other potential consequences of outstanding debt.

Save you from debt trap

Our team develops a personalized strategy for your case which protects your rights and saves you from unpaid debt.

Get your wages back

If your wages are being garnished, we fight for you to get your unpaid wages released and save your job.

Secure your financial future

We help you navigate and settle your debt repayments. And structure a plan which will be in your favor.

Here is how we save your financial future...

We follow 3 simple steps for success…

Step 1

Booking a free appointment is as easy as providing us with a few details (by phone or in person).

Step 2

Meet with us and we provide you step by step guide to help you file your case for success.

Step 3

You can rely on us to complete all the required documents and negotiate in court on your behalf.

Ready to live stress-free every day?

Start making your future financially

Choose S&B Legal for Affordable Bankruptcy Services

At S&B Legal, we understand the stress that can come with unmanageable debt. We have helped many Californians regain their financial footing, and we are proud to provide affordable, tailored bankruptcy solutions in a welcoming and comforting setting. Our staff is bilingual, so we will listen to you and help you understand your options in either English or Spanish.

Who this is for...

Most of our cases are for residents of…

Los Angeles

San Diego

Orange County