Chapter 7 Helping You Get Free From Debt

Chapter 7 Attorneys in San Diego

Helping You Become Debt Free

The term “bankruptcy” can sound like a terrifying phrase to many who do not know the deeper purpose behind it, but in reality, bankruptcy can offer a profound solution of a fresh start to you and your family. Chapter 7 bankruptcy is an extremely helpful way of erasing mountains of debt. However, the process of filing for it can be admittedly quite complex if you are attempting to do it on your own. Being able to carefully keep track of every single deadline for required paperwork, making sure you have turned in the right documents at the right time, and arranging necessary meetings with your trustee is both exhausting and almost impossible to do independently.

Moreover, if you are unable to satisfy each of these mandatory procedures, your case could be simply dropped, and the pile of debts will come flowing back. This is why it is crucial that you are supported by dedicated Chapter 7 lawyers in San Diego. You can count on Debt Relief Legal Clinic to safely navigate you through the arduous Chapter 7 bankruptcy process.

Call us today at (619) 639-9228 to experience support from our Certified Bankruptcy Specialists.

How Chapter 7 Bankruptcy Works

Other common names for Chapter 7 bankruptcy include the terms “straight bankruptcy” as well as “liquidation.” For any unfortunate individuals or businesses who have been negatively affected by external pressures and are no longer able to repay their huge mountain of debts, Chapter 7 is often the appropriate solution.

If you currently have any possessions available to be used, these items can be liquidated into monetary values that will then pay back a great deal of your debt. Whatever debts are remaining will then be completely forgiven and discharged. In the event that you do not have any valuable possessions, the debts will still be wiped out completely. While such discharge is only available for individuals rather than businesses, even business debtors have the great benefit of liquidating assets and property, which they often could not use anyways. The cash from these assets can greatly decrease the amount of remaining debt.

Types of Debts Which Are Dischargeable

Many of our clients are surprised and encouraged by the sheer number and categories of debts that can be discharged through Chapter 7 bankruptcy.

This list of dischargeable debts includes:

  • Personal loans
  • Credit cards
  • Leases
  • Debts made on account of business
  • Guaranties
  • Medical bills
  • Claims for negligence
  • Remaining funds for repossession claims
  • Judgments
  • Claims for accidents from automobiles
  • Certain claims on taxes

Why Hesitation Can Harm You

For Chapter 7 bankruptcy cases, the faster you get your application in, the more likely you are to succeed in winning it. Delays only complicate your case, and they also allow your creditors more time to keep harassing you, or even make a move on foreclosing your house or repossessing your car. The sooner you start the process, the sooner our Chapter 7 Attorneys in San Diego can direct you to discover all the exemptions and discharges you can receive to finally give you a fresh start.

Contact us at (619) 639-9228 so that Debt Relief Legal Clinic can aid you in wiping your financial slate clean.

Why Hire Our Firm?

We Help You Find Relief from Debt
  • 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.

  • Personal Approach

    We are a family-oriented business, committed to helping you get relief from debt.

  • Affordable

    We offer free consultations and take online payments for your convenience.

Attorneys Who Will Be There Every Step of the Way

Hear from Our Happy Clients

Read Our 5 Star Reviews
  • 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
  • They were prompt and reminded me often of what the next requirements were so that I never skipped a beat.

    “Mr. Colwell and his team were awesome in assisting me through what started as a Chapter 13 and converted to a Chapter 7. They were prompt and reminded me often of what the next requirements were so ...”

    - Lisa H.
  • He basically held our hands throughout the whole process and made it much less stressful for us.

    “Mr. Colwell is an excellent attorney. Thanks to him, my husband and I have a new start without being mired in credit card debt. He basically held our hands throughout the whole process and made it ...”

    - Chris A.
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Contact Us Today at (619) 639-9228

Get on the Path to a Debt Free Life
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