Foreclosure

Foreclosure Attorneys in San Diego

Knowledgeable Bankruptcy Lawyers

Even in the midst of the greatest financial troubles, as recession looms like an approaching storm, and salaries decrease or disappear as the economy plunges, there is one thing most Americans usually consider their safe haven – their home. Yet even your house can be stripped away from you if you are falling behind on steep mortgage payments. Despite the fact that many people are suffering from circumstances entirely out of their hands, mortgage companies can use this as an opportunity to foreclose your house. Not only is the thought of you and your family being turned out of your home a terrifying scene, but being forced to foreclose your house can lose so much money in the sale process that you have nothing left to afford another home.

When disaster is pending, you must turn immediately to our foreclosure lawyers in San Diego. At the Debt Relief Legal Clinic, we are determined to support you and your home’s safety. Particularly through filing for bankruptcy, you can halt mortgage creditors in their track. You can rely on our certified bankruptcy lawyers, who are dedicated to helping you save your house.

Call us today at (619) 639-9228 to receive personalized attention as we plan how to rescue your house from foreclosure.

Bankruptcy: Your Legal Shield Against Home Foreclosure

One of the best ways to immediately bring foreclosure to a screeching halt is by applying for bankruptcy. This choice is especially advised if your sale of foreclosure is supposed to be scheduled within the next few days, on account of your ability to get an automatic stay.

The benefit of an automatic stay is that it instantly stops foreclosure the moment you apply for bankruptcy.

It does not matter that a judge has not yet confirmed a status of success for your application since the automatic stay must go into effect immediately. This stay prevents mortgage companies from trying to foreclose your home, or even from continuously harassing you to pay back your debt. While you are in the state of having an automatic stay, you use those several months to begin coming up with plans for rearranging your mortgage payments and paying them back.

Chapter 13 Bankruptcy: A Strategy to Save Your San Diego Home

During your automatic stay, you can figure out ways to preserve your house using Chapter 13 bankruptcy, which is one of the most helpful methods of restructuring mortgage debts.

Some of the benefits of using Chapter 13 include:

  • Repaying debts over an extended period of time of three to five years, rather than immediately, which will help you avoid scenarios where you suddenly have nothing in the bank
  • Paying smaller amounts each month, which will allow you to be more organized in keeping track of your payments, and ensure there are always funds left over for other crucial expenses
  • Having to only pay a portion of your unsecured debts (which sometimes become completely discharged anyways)
  • Potentially not needing to pay for second or third mortgages, which are considered to be examples of unsecured debts

San Diego Foreclosure Defense: How We Can Protect Your Home

You do not want to defend against the foreclosure process alone, as the process can be complex and confusing. When your home is at stake, you want to make sure that you have an experienced San Diego foreclosure lawyer who can help you navigate the process.

A foreclosure attorney can help you by:

  • Explaining the options available to help save your home
  • Assisting with the bankruptcy process, loan modification, and other options you are pursuing
  • Representing you during mediation and hearings to help ensure you can reach a fair solution
  • Protecting your rights by ensuring the lender does not treat you unfairly

The bottom line is an attorney understands the laws and the various effective foreclosure defense strategies available to homeowners. Don't hesitate to contact a San Diego foreclosure attorney as soon as possible so you can get started on protecting your home.

Act Now to Prevent Foreclosure in San Diego with Chapter 13 Bankruptcy

Fighting foreclosure through Chapter 13 bankruptcy is an excellent option with multiple benefits, but the longer you delay in starting your application, the more complicated the process will be. You should immediately contact our foreclosure attorneys in San Diego the moment it seems you are in danger of foreclosure.

Contact us now at (619) 639-9228 so that Debt Relief Legal Clinic can help you rescue your home from foreclosure as soon as possible. Request a free case consultation today to discuss your situation with us.

Why Choose Debt Relief Legal Clinic?

  • 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.
  • Immediate Past President of NACBA
    John C. Colwell has been a member of NACBA for 25 years and is the Immediate Past 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.

Contact Us Today

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Hear From Our Happy Clients

At Debt Relief Legal Clinic, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

    “We went to DRLC and from start to finish they were our rock. They made everything seem so easy and go so smoothly.”
    Last year after my husband lost his job and we found ourselves in a bit of a financial mess. We went to DRLC and from start to finish they were our rock. They made everything seem so easy and go so smoothly. From the ladies in the office to the lawyers in the back, a special shout out to Daniel Weidecker. He was there for us, went to bat for us when there was a complication and the end result was handled exactly as they said. So if you find yourself needing to get out of debt don't hesitate and call DRLC, they are amazing.
    - Denice M.
    “John C. Colwell makes every effort to get the help you need, with no catch! No hidden fees, costs, or surprises.”

    It it is a tremendous relief, there is such a business as Debt Relief Legal Clinic!! I learned about DRLC from a close friend who had to file chapter 7 some years ago. This place has 30 Years of Bankruptcy Experience and demonstrates a highly proficient and professional approach to personal debt matters. John C. Colwell makes every effort to get the help you need, with no catch! No hidden fees, costs, or surprises. He is very honest and upfront from your initial consultation, about the likelihood of the outcome of your case, and the process- which is simple and very straightforward. His fees are EXTREMELY reasonable considering the professional and efficient service provided- you can even make payments for the fees (worth every penny to walk away debt free!). As part of the process, you will learn, you are required to take a couple of online classes. The classes are designed to educate you, to manage your debt moving forward, and remaining debt-free...avoiding the trouble you got yourself into in the first place. The fact DRLC has a practice that not only eliminates or consolidates your debt (depending on your case), but guides you to to remain debt-free, shows the sign of a company with a true vested interest in your success of becoming (and staying) debt-free! You could not ask for anything more from a firm of this type. I HIGHLY recommend anyone feeling the pains or stress of being in debt to (at the very least), consider a consultation with DRLC. You will forever be grateful for a service of this type, that navigates you through a (seemingly) overwhelming process.

    - CD O.
    “Mr. Colwell goes the extra mile for his clients! I really appreciated his time and extra time for a zoom meeting during 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 I needed to do financially and who to call. I met Mr. Colwell in 2002 when I needed support and a chapter 7. He also helped my husband with his chapter 13. I was so happy he was still in downtown SD all these years later and available to meet with me when I was ready. Mr. Colwell goes the extra mile for his clients! I really appreciated his time and extra time for a zoom mtg. during covid-19 pandemic to answer my additional questions prior to discharge! Financial Freedom is an awesome feeling! I'm looking forward to what comes next in life!! Won't be making the same mistakes. Live and learn! I recommend it! Thank you so much! Stay safe!   

    - Lori Kalman Adkins
    “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 much less stressful for us. Thank you, Mr. Colwell!
    - Chris A.
    “I would wholeheartedly recommend this business to any of my family and friends.”
    I decided to use this company for help with my business needs. The assistant Vanessa was extremely helpful and easy to work with! I would wholeheartedly recommend this business to any of my family and friends.
    - Vera L.
    “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 that I never skipped a beat. The courts know his team and work with them to see to it that matters get resolved quickly. I would encourage anyone considering bankruptcy to contact DRLC first!
    - Lisa H.
    “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 recommend anyone to this law firm.  They are specialists and you are in good hands with this talented group of professionals.
    - Allie F.
    “He was very helpful in explaining the difference between my options”
    Daniel Wiedecker was extremely helpful. I had a unique situation in that I had two choices at the time of my appointment. One choice would cost me some legal fees the other choice none. He was very helpful in explaining the difference between my options. I will return to utilize his services when my situation changes.
    - Steve M.