Reputable & Experienced Debt Attorneys in San Diego
Get out of debt with help from our expert debt attorneys
Bankruptcy Law Offices of Mark L. Miller has helped over 12,000 clients across San Diego get out of debt with our bankruptcy-related services. Return to your normal life and regain your financial security.
Our bankruptcy attorneys have over 40 years of combined experience helping people and businesses get out of debt. Use your Constitutional right to get out of debt by filing bankruptcy. Contact the Bankruptcy Law Offices of Mark L. Miller in San Diego to schedule your FREE consultation with our experienced bankruptcy attorneys. During our initial meeting, we will explain our process and help you decide on the best course of action for your financial situation.
Get our prompt assistance with debt relief
When struggling financially, it’s vital to act immediately and contact trusted and seasoned debt relief lawyers in San Diego. Filing for bankruptcy will give you financial freedom and a fresh start.
Bankruptcy Law Offices of Mark L. Miller offers a set of bankruptcy services, including Chapter 7 bankruptcy, Chapter 13 bankruptcy, Chapter 11 bankruptcy, and foreclosure assistance. We will also stop creditors from harassing you, prevent wage garnishments, and help you avoid additional lawsuits. Our experienced debt attorneys will help you keep your cash, vehicles, personal belongings, retirement accounts, as well as your home in San Diego.
We will provide advice on the type of bankruptcy to file
Contact one of our experienced debt relief lawyers in San Diego to get more information on the different types of bankruptcy available to you and decide which one would suit your current situation.
Bankruptcy Law Offices of Mark L. Miller will assess your individual situation and find the best way to help you recover financially. Our team will determine which type of bankruptcy would suit your needs. Additionally, our attorneys will protect your legal rights by designing personalized solutions for you.
You can easily get in touch with us
With us, you can schedule an online consultation for your maximum convenience. You can have a meeting from the comfort of your home or meet with our bankruptcy attorney in person.
Schedule your FREE appointment to meet with our bankruptcy attorney by phone, video, or in-person
What are the different types of bankruptcies?
Under the United States Bankruptcy Code, there are several bankruptcy chapters. The best chapter for your situation depends on your income, property you own, total debt owed, and financial needs. The Bankruptcy Law Offices of Mark L. Miller knows the best chapter to file for you.
Our debt relief attorneys provide the necessary information on the types of bankruptcies you can file. Some of the most common options include Chapter 7, Chapter 11, and Chapter 13 bankruptcy.
In cases where there is a high amount of consumer debt, Chapter 7 bankruptcy may be the right option. In fact, Chapter 7 makes up the majority of all cases filed. With this solution, all outstanding debts are wiped out so that you never need to repay them, and stop all creditor calls. This solution will immediately stop San Diego debt collectors from calling and give you a fresh financial start.
For cases with a large amount of asset-related debt, the right option may be to file for Chapter 13. This chapter functions similarly to debt consolidation without the potential for instability. If your assets are no longer worth the monthly payments, Chapter 13 can be a solution to reduce payments and avoid foreclosure or repossession of your property in San Diego.
As a result of the Small Business Reorganization Act of 2019, Chapter 11 is now much more accessible to small business owners in San Diego. If you owe less than $2,725,625, you may be able to restructure your finances and reduce debt while maintaining ownership and control over your business. Like Chapter 13, your debt will be reorganized into a reasonable repayment plan.
Get Started Regaining Your Financial Freedom
Having an expert debt attorney helping you go through the process is essential. Otherwise, you will find yourself at risk of losing your property or even becoming unable to qualify for a certain type of bankruptcy.
Leave the complex legal analysis to the professionals. You can count on the Bankruptcy Law Offices of Mark L. Miller and our skilled legal team to help you get out of debt. We offer free initial consultation, ensuring you suffer no additional financial risk. We will explain your options, formulate a plan to eliminate your debt.
Frequently Asked Questions
Bankruptcy Law Offices of Mark L. Miller will help you get out of debt by:
- Creating a bankruptcy budget
- Designing a plan for paying your debt off
- Preventing additional unnecessary expenses
- Exploring new ways for cutting your expenses
- Looking for additional income
- Consulting with your creditors about lowering interest rates
Experienced debt relief attorneys in San Diego may advise you to do the following:
- Stop using your credit cards immediately
- Pay off as much of your debt as possible every month
- Focus on those debts that have the highest interest rates
- Don’t splurge on leasing or purchasing new vehicles
- Track your spending to identify areas for improvement
Once our debt attorneys in San Diego file your bankruptcy claim, you will get an automatic stay. This puts an immediate block on paying off all your debt for the time being and prevents collection agencies and creditors from constantly pursuing and harassing you. As long as the stay is active, there will be no wage garnishments nor creditor attempts to go after secured assets.
Also, bankruptcy allows you a fresh financial start by eliminating some of the debt you’ve incurred. It helps you organize the rest of your debt, allowing you to pay it off without losing your secured assets.
Bankruptcy will not help you get out of all the debt you’ve incurred. Depending on the bankruptcy, there are certain types of debt you will not be able to discharge. These include:
- Child support and alimony
- Unpaid taxes, such as tax liens
- Debts due to malicious and willful injury to a person or property
- Debts for intoxicated operation of a motorized vehicle
- Debts not listed when filing for bankruptcy
Debt relief attorneys help clients negotiate with lenders to lower the amount of money the client owes. This is mostly possible in situations where a client has a large amount of unsecured debt. Bankruptcy Law Offices of Mark L. Miller offers legal assistance to clients struggling with debt and who need guidance throughout the entire process, from the initial consultation to the final payment.
You can contact experienced debt relief lawyers from Bankruptcy Law Offices of Mark L. Miller easily and schedule a free consultation. We are a team of experienced attorneys with extensive knowledge of bankruptcy law. We will choose the right type of bankruptcy for your situation and continue providing legal advice until your bankruptcy claim is finalized. Reach out to us today and make the first step toward getting your financial freedom.