Experienced & Dedicated Bankruptcy Attorneys in El Centro, CA
Get right back on your feet with the help of our experts
Law Offices of Mark L. Miller offers their clients in El Centro and other San Diego areas a reliable way to get out of debt and regain their financial independence. Since the beginning of our business, our dedicated bankruptcy attorneys have helped out more than 12,000 clients favorably resolve their legal cases. With over 40 years of collective experience and unwavering commitment to our clients, you can count on our bankruptcy law firm to suggest a sound approach and plot a course toward your renewed financial stability.
We react swiftly to ensure your bankruptcy claim gains ground
We understand that facing the threat of gargantuan debt can be a terrifying prospect. For that reason we are ready to act on your behalf promptly and expeditiously handle your case. We’re one of the best bankruptcy attorneys in El Centro because we possess the skill and knowledge of California’ laws needed to see you through this tumultuous time. We are prepared to employ all of our expertise and combined experience to help you reach the resolution most beneficial to you.
Our experts will find the right solution for your predicament
With us by your side and fighting for your rights, you won’t have to worry about being deprived of your belongings, retirement accounts, or your home when you make the decision to get out of debt. Nor will you have to fear harassment from creditors, wage garnishments, foreclosure, repossession or lawsuits. Our experienced bankruptcy law attorneys will assess your situation in detail and find the best solution for your circumstances. We are fully dedicated to seeing you receive fair treatment and realize your legal rights with the least amount of stress. Our focus and strength is getting you back to your normal debt free life as soon as possible.
Reach out to some of the best bankruptcy lawyers in El Centro
Our law firm is giving you a head-start with a FREE initial consultation to ensure a complete and comprehensive understanding of your background, which will allow us to react timely and effectively to your bankruptcy claim. For your convenience and ease of communication, you can reach us via phone, text or by scheduling an online video consultation with one of our attorneys. Of course, you’re always welcome to visit us at our headquarters and get all the info first-hand.
Choose the right type of bankruptcy for you!
Under California law, there are several types of bankruptcies, the most common being:
- Chapter 7 is also known as “liquidation bankruptcy” and entails selling the debtor's property to pay off creditors.
- Chapter 11 allows the debtor (typically a business) to reorganize their finances and make a debt repayment plan while retaining control of their assets and/or business.
- Chapter 13 is a debt reorganization plan which allows individuals to repay their debt over a period of three to five years.
Our team of attorneys from El Centro will help you determine the best bankruptcy type for you, based on your income, property ownership including your home and vehicles, total debt, and specific financial needs.
Take the first step toward your financial freedom today
Rely on the Law Offices of Mark L. Miller and our highly experienced legal team to mitigate the risk of you losing your property or becoming ineligible for the most suitable type of bankruptcy in El Centro. Reach out to us today, and we’ll provide expert assistance in filing the Chapter that suits your needs, provide ample assistance with foreclosure, and general guidance on how you can avoid additional financial risks.
Frequently Asked Questions
While there are other ways to become debt-free (e.g. debt consolidation, debt settlement, creating a payment plan in agreement with creditors, etc.), filing for bankruptcy together with experienced lawyers in El Centro is certainly one of the better and more convenient methods. This option is especially useful for individuals or businesses struggling with overwhelming debt, as it can be a way to achieve a fresh financial start.
Throughout CA, the two most common bankruptcy types are:
- Chapter 7 (liquidation bankruptcy) allows the debtor to discharge certain debts by selling off (“liquidating”) their non-exempt assets. Still, most clients do not have to liquidate or lose any property because of legal exemptions that provide asset protection.
- Chapter 13 (reorganization bankruptcy) allows the debtor to develop a repayment plan to pay off their debt over the course of three to five years.
Filing for bankruptcy can be an incredibly convoluted process. Aside from being time-consuming and paperwork-heavy, it requires intimate knowledge of the legal requirements and procedures involved. Plus, navigating through a court hearing on your own can be especially overwhelming. Therefore, it is highly recommended to work with the best bankruptcy attorney or firm in El Centro, as they can best help you navigate the process.
Technically, it is possible to file for bankruptcy without a lawyer, but doing so is generally a bad idea. This legal process can be quite complicated, with an excessive number of rules and regulations that must be followed virtually to the letter, in order to result in a favorable outcome. One misstep can lead to catastrophic consequences like losing your property or having your case dismissed. The best and safest option is to enlist the help of a qualified bankruptcy attorney and follow their guidance to ensure the successful completion of the process.