Start Over Strong in Point Loma with the Bankruptcy Law Offices of Mark L. Miller

Debt has a way of creeping in slowly. One unexpected bill. A job change. A missed payment that snowballs. Before long, you’re juggling due dates, avoiding your mailbox, and lying awake trying to figure out how it all got so heavy.

If you live in Point Loma and you’ve been carrying that weight alone, it doesn’t have to stay this way. At the Bankruptcy Law Offices of Mark L. Miller, we sit down with real people every day who are doing their best and still struggling to keep up. If you’ve been searching for a bankruptcy attorney in Point Loma who offers clear answers without pressure, you’ve found the right team.

Bankruptcy Isn’t About Giving Up—It’s About Choosing Relief

There’s a lot of misunderstanding around bankruptcy. People think it’s the last resort, the worst-case scenario. But truthfully? It’s often one of the most practical tools the law offers when you’re out of room to breathe.

In 2022, over 370,000 people filed for bankruptcy across the U.S. They weren’t reckless or lazy. They were facing the same things many of us are—health problems, job loss, rising expenses, or a tough economy.

If your finances have gotten out of control and you’re feeling buried, bankruptcy might not be the disaster you imagined. With guidance from a supportive Point Loma bankruptcy lawyer, it can be the clean slate you didn’t realize was possible.

What Sets Us Apart? We Lead with Humanity

Most people who walk through our doors already feel like they’ve failed. They’ve tried everything—cutting back, borrowing, shuffling bills—and nothing has worked. They’re exhausted, and they’re scared.

That’s where we begin—not with forms, but with listening. What’s going on? What’s at stake? What kind of future do you want to build? We start there. From there, we explain the options in plain terms and help you decide what fits best.

We’ve worked with all types of people in Point Loma—young families, older couples, military veterans, freelancers, small business owners. Everyone deserves a second chance. No lectures. No guilt. Just a plan and a fresh start.

How We Can Help You

No matter where you’re starting from, there’s likely a legal solution that fits your situation. Here are some of the ways we help:

• Chapter 7 Bankruptcy
  A fast and effective way to clear unsecured debt like credit cards, medical bills, or payday loans. If you qualify, this can help you get relief within a few months—and most people keep their belongings under California’s exemptions.
  
• Chapter 13 Bankruptcy
  Ideal for those who earn steady income but have fallen behind. This lets you pay back part of your debt through a structured monthly plan over 3–5 years—while keeping your home, car, and dignity.
  
• Foreclosure Protection
  Behind on mortgage payments? Filing may pause the foreclosure process and give you time to catch up.
  
• Debt Negotiation
  We may be able to work with creditors directly and reduce what you owe—no bankruptcy needed.
  
• End Harassment from Creditors
  Once we file, those endless calls, emails, and letters have to stop immediately. Legally. It’s one of the first big reliefs you’ll feel.
  
• Stop Wage Garnishment
  If a chunk of your paycheck is being taken before you even see it, we can often stop the garnishment and protect your income.
  
• Prevent Repossession
  Behind on car payments? That doesn’t mean you’ll lose your vehicle. We can act fast to help you keep it.
  
• Student Loan Strategy
  Not all student debt disappears in bankruptcy, but some situations may qualify. We’ll look at every option, including hardship programs and new repayment plans.
  

Working with a local Point Loma bankruptcy lawyer means we understand what living here really costs—and how to build a plan that respects your reality.

Chapter 7 vs. Chapter 13—Which One’s Right?

Most people don’t know the difference until we break it down. That’s totally normal.

Chapter 7 is often best if your income is too low to repay your debt and you need things to end quickly. It wipes out most unsecured debt and usually takes around 3–4 months. You keep your essentials, thanks to California’s strong protection laws.

Chapter 13 gives you more time and control. If you’re behind on major payments but have income, this lets you catch up without losing your property. It’s less about erasing and more about restructuring.

We’ll help you look at both, side by side, and figure out what’s best for your long-term peace—not just your short-term relief.