1
BLC Law Center is a San Diego Bankruptcy Law firm. Our firm’s sole mission is to help Southern California Residents who are facing tough financial situations. 2
If you are facing foreclosure or suffering from overwhelming debt, we can help!
MOST REVIEWED AND VOTED BEST BANKRUPTCY ATTORNEY IN SAN DIEGO 2018 3
Restore Your Financial Independence With Our Experienced Team Of Bankruptcy Attorneys If you are looking for a bankruptcy attorney in san Diego and the expert advice you deserve, BLC Law Center is your best choice. 4
We have filed thousands of bankruptcy cases and our sole mission is to help people facing tough financial times—overwhelming credit card debts, foreclosures, repossessions, garnishments, bank levies, evictions, lawsuits, taxes and harassing phone calls. 5
We provide clients with a fresh start so they can begin rebuilding their credit. And if bankruptcy isn’t right for you, the experts at the BLC Law Center will show you other effective options to help you save your home or property. 6
We’ve helped thousands of clients by immediately stopping creditor harassment, lost wages and lost property. With offices located in San Diego, Vista, and Los Angeles, an experienced BLC Law Center attorney will meet with you and give you a free analysis of your legal options. 7
Over 100 Years Combined Experience – Choose The San Diego Bankruptcy Specialist! 8
Our dedicated team of san Diego bankruptcy lawyers and paralegals will quickly guide you through the process of filing for Bankruptcy. We are proud of our lawyers who are some of the most highly effective and experienced bankruptcy attorneys in the country. 9
Many people find themselves in financial trouble every now and then. It can feel hopeless and like the end of the world. This is because people don’t realize that filing bankruptcy is a viable solution to their problems. Filing bankruptcy is not has hard as we have been led to believe. 10
11
Laws regarding bankruptcy vary by state, so you need to find a lawyer that can walk you through the entire process and help keep your rights protected. In several cases, you can keep your car and your home, but it’s your attorney that will tell you what rights you have, what you can keep, and what you will need to surrender. 12
Do not wait too long to file for bankruptcy, if that is what you are going to do. By waiting a long period of time, you are just allowing your debt to keep piling up. Once you have decided that filing for bankruptcy is the right choice, start the process right away! 13
BLC Law Center is a firm of experienced San Diego bankruptcy lawyers whose sole mission is to help people facing tough financial times—overwhelming credit card debts, foreclosures, repossessions, garnishments, bank levies, evictions, lawsuits, taxes and harassing phone calls. 14
We can stop creditors from harassing you, lower your payments, stop a repossession, and even save your home. We will even show you how your credit will improve and recover! One major consideration for anyone filing for bankruptcy is what will happen to his or her vehicle. This consideration is a big one because vehicles are integral to many people’s daily lives. 15
•Chapter 7 •Chapter 13 •Chapter 11 •Fair Debt Buyers Collection Act •Rosenthal/RFDCPA Claims •TCPA Claims •Collection Disputes and Defenses •FCRA Claims •FDCPA Claims 16
Vehicles function as modes of transportation to work, a way to access our friends and family, and much more. As a result, many planning on filing for bankruptcy worry about what will happen to their vehicles in the process. 17
The good news is that not all bankruptcy filings will result in you losing your car. To know exactly which type of bankruptcy is best for you, reach out to an experienced California bankruptcy attorney today. Under the Federal Bankruptcy Code debtors are allowed to file exemptions to bankruptcy. 18
These exemptions protect some assets from being liquified and sold off in the course of a bankruptcy. These exemptions can include vehicles, a homestead, and retirement accounts. As these exemptions are largely regulated by state law, they will vary from state to state; so what qualifies for exemption in California may not qualify in Colorado, or Oregon, and so on. 19
There are two places in California state law that detail exemptions for vehicles in a bankruptcy. If you are considering filing for bankruptcy in southern California. At The Bankruptcy Law Center, we handle all kinds of bankruptcies, and want to help you today. 20
If the person filing for bankruptcy is making car payments, for example, and there is no equity in the car, then the bankruptcy will not touch that asset. In addition, the car company or lender on the car may allow the debtor to continue making the payment if an affirmation is signed. 21
Bankruptcy is a term that most people, lawyers and lay people alike, understand. To the average person, bankruptcy means a fresh start financially in which a person’s debts are discharged, and he or she starts over after relinquishing rights to much of his or her valuable properties. Once the conversation turns to different chapters of bankruptcy, however, the details become a bit less clear. 22
23
Many people struggling with debt in the San Diego California area are now considering bankruptcy as a way to eliminate those debts and obtain relief. 24
25