San Diego Bankruptcy Attorneys Let's Find the Right Solution to Your Debt Problems


Bankruptcy Legal Services in San Diego

35+ Years of Exclusive Bankruptcy Experience

Are you struggling to repay your creditors? Are you searching for a way to get some relief from your debts? Debt Relief Legal Clinic is here to assist you. Our San Diego bankruptcy lawyers can help evaluate your options and guide you towards a solution that is right for your unique situation.

Our certified bankruptcy specialists provide reliable counsel on matters related to:

What Is Bankruptcy?

When an individual or business files for bankruptcy, they are making an official declaration that they are unable to repay their creditors. The federal Bankruptcy Code regulates the rules and procedures of the filing process. Within this Code, there are several chapters, which are essentially different types of bankruptcy filings. It is important to understand the various chapters, their advantages and disadvantages, and which one is most pertinent for your situation.

Within this Code, there are several chapters, which are essentially different types of bankruptcy filings. It is important to understand the various chapters, their advantages and disadvantages, and which one is most pertinent for your situation.

Understanding the Different Types of Bankruptcy

For individuals, there are two primary forms of bankruptcy: Chapter 7 and Chapter 13. Chapter 7, often referred to as liquidation bankruptcy, is typically the filing used by those who have little to no disposable income. The debtor’s “non-exempt” assets are sold by a court-appointed trustee, the proceeds of which are then used to repay the various creditors. After the monies have been used, any remaining debts will be discharged.

Chapter 13, also known as reorganization bankruptcy, is the common way to go for those who have a regular income or make more than a specific threshold. Many also choose this form of bankruptcy if they want to keep more of their assets. Chapter 13 involves creating a repayment plan that spans three to five years. After the payment is complete, the debtor’s remaining debts will be discharged.

Call Debt Relief Legal Clinic at (619) 639-9228 today to schedule your free consultation.

Let Us Help You Get Out of Debt

Dischargeable Debts Vs. Nondischargeable Debts

Bankruptcy can help you eliminate many kinds of debts, but not all. Those debts that can be eliminated are known as dischargeable debts. Upon receiving a discharge, the debtor is no longer required to pay the specific debts, and their creditors are prohibited from continuing collection efforts. Some types of debts that are dischargeable in bankruptcy include; Medical bills, Past-due utility bills, Credit card debts, Personal loans from family, friends, and others.

    There are many debts that a debtor still remains responsible for after the bankruptcy process. Known as nondischargeable debts, this category of debt includes student loans, alimony payments, child support, criminal restitution, and certain unpaid taxes. Our experienced bankruptcy lawyers can help you review which of your debts can be discharged by filing for bankruptcy.

    Protect Your Assets with Bankruptcy Exemptions

    When considering bankruptcy, it's important to understand that not all of your assets will be lost. Bankruptcy exemptions allow you to protect certain property from being seized and sold to repay your debts. At Debt Relief Legal Clinic, our experienced bankruptcy attorneys in San Diego can help you navigate the complex laws surrounding bankruptcy exemptions and ensure that you retain as much of your property as possible.

    Some common bankruptcy exemptions include:

    • Homestead exemption: Protects the equity in your primary residence
    • Vehicle exemption: Allows you to keep a certain value of your car or other vehicles
    • Wildcard exemption: Provides additional protection for any property of your choice
    • Personal property exemption: Safeguards essential items such as clothing, furniture, and appliances
    • Retirement account exemption: Preserves your retirement savings

    By utilizing bankruptcy exemptions, you can find relief from overwhelming debt while still maintaining the assets that are most important to you and your family.

    Contact us today at (619) 639-9228 to schedule a consultation and learn more about how we can protect your assets through bankruptcy.

    Knowing When Bankruptcy Is the Right Option

    The decision to file for bankruptcy is an important one, and should not be made without seeking the counsel of a certified bankruptcy specialist. Although filing for bankruptcy can be a great way to get relief from overwhelming debt, creditor harassment, foreclosure, and repossession, it is not right for everyone. Before you choose to file for bankruptcy, consult with our San Diego bankruptcy attorneys at Debt Relief Legal Clinic. We can help you determine if you would benefit by filing for bankruptcy. Get on the road to being debt-free by calling (619) 639-9228 now. We’ve been helping clients get the relief they need since 1975. Schedule your free case consultation today.

    Bankruptcy FAQ

    How can bankruptcy help with creditor harassment?

    Filing for bankruptcy can put an immediate stop to creditor harassment. Once you file for bankruptcy, an automatic stay is issued, which prevents creditors from taking any further collection actions against you. This includes phone calls, letters, lawsuits, wage garnishment, and foreclosure.

    Can I keep any of my assets if I file for bankruptcy?

    In bankruptcy, there are exemptions that allow you to keep certain assets. These exemptions vary by state and can include your home, car, household goods, and retirement accounts. Our experienced bankruptcy lawyers can help you understand the exemptions available in San Diego, CA.

    How long does bankruptcy stay on my credit report?

    Bankruptcy can stay on your credit report for up to 10 years. However, its impact on your credit score lessens over time, especially if you take steps to rebuild your credit after bankruptcy, such as making timely payments and maintaining a low credit utilization ratio.

    Why Hire Us?

    • Certified Bankruptcy Specialist

      Attorney John C. Colwell has been recognized by the State Bar of California as one of 12 certified legal specialists in San Diego County for Bankruptcy Law.

    • Experienced

      Our attorney has over 35 years of experience and has dedicated the firm to consumer bankruptcy.

    • Bilingual

      Our legal team is bilingual and serve our clients in English and Spanish.

    • President of NACBA

      John C. Colwell has been a member of NACBA for 25 years and is currently the president.

    Hear from Our Happy Clients

    Read Our 5 Star Reviews
    • John and his team DELIVERED!

      “John and his team provide top tier services with a price point that will not set you back. The value is unmatched. I knew I found the right place after my first Zoom meeting with John. After dealing ...”

      - Matthew B.
    • I can't say enough about how wonderful the staff and the attorneys are to work with through the process.

      “I want to recommend the Debt Relief Clinic for their wonderful service and knowledge, which you need when you're at a tough time in your life. I can't say enough about how wonderful the staff and the ...”

      - Laura M.
    • I wish I could give him more than 5 stars.

      “John Colwell is a great attorney. I had a difficult case but he was able to get it done. This has changed my life. I wish I could give him more than 5 stars.”

      - Terry D.
    • John Colwell and Daniel Wiedecker handled our bankruptcy very professionally and we are very pleased with their legal services.

      “John Colwell and Daniel Wiedecker handled our bankruptcy very professionally and we are very pleased with their legal services, attention to our questions and knowledge in their field of law. We would ...”

      - Allie F.
    • Mr. Colwell goes the extra mile for his clients! I really appreciated his time and extra time for a zoom meeting┬áduring covid-19 pandemic to answer my additional questions prior to discharge!

      “Mr. John Colwell and his team helped me get through chapter 7 without a glitch! I'm so thankful for the support I received over the past year. I had lots of life changes this past year and I knew what ...”

      - Lori Kalman Adkins
    President of NACBA Protecting the Rights of Consumer Bankruptcy Debtors

    Attorney John C. Colwell is the President of the National Association of Consumer Bankruptcy Attorneys and has dedicated his practice to consumer bankruptcy since 1989.

    Locations We Serve

    • Carlsbad
    • Chula Vista
    • Coronado
    • Del Mar
    • El Cajon
    • Encinitas
    • Escondido
    • Imperial Beach
    • La Mesa
    • Lemon Grove
    • National City
    • Oceanside
    • Poway
    • San Diego
    • San Marcos
    • Santee
    • Solana Beach
    • Vista
    San Diego

    Please Contact Us Online
    Online, CA 91910


    Please Contact Us Online
    Online, CA 91910

    Chula Vista Office

    46 3rd Ave.,
    Suite D
    Chula Vista, CA 91910

    Contact Us Today at (619) 639-9228

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