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Bankruptcy Attorney

Your Bankruptcy Attorney in San Diego & Beyond

These are tough economic times not only in Southern California, but throughout the U.S. Whether it’s a job loss, catastrophic medical bills, or other major financial loss, our bankruptcy attorneys based in San Diego can help you find a solution to help you ease and recover from financial stress. Schedule your consultation with Hoffman & Forde to see how we can help.

A Fresh Financial Start

Even with the best preparation, economic uncertainty can leave you with unpaid bills or late payments. Interest accumulates, you lose your income, and everything is paid for with a credit card. Creditors come at you threatening to foreclose your home and seizing your other assets. No matter the cause and effect, your finances have collapsed and you need a fresh start. Take control of your finances and learn about your options with our bankruptcy attorneys.

Types of Bankruptcy

Get an overview of the major chapters from the U.S. Bankruptcy Code here. Not sure where to start? At Hoffman & Forde, our skilled and experienced bankruptcy attorneys will help you identify which chapter suits you best.

  • Chapter 7 Bankruptcy

    Under current bankruptcy laws, you must pass a means test before filing Chapter 7 bankruptcy. If your current monthly income is below the Southern California adjusted median income, then you automatically qualify. However, even if your income is above the Southern California adjusted median income, you may still qualify after expenses such as car payments and retirement plan contributions are deducted from your income. Our lawyers have helped many people file Chapter 7 Bankruptcy after other attorneys told them that they did not qualify.

  • Chapter 13 Bankruptcy

    Chapter 13 Bankruptcy provides an opportunity to get out of debt by completing a repayment plan over a three-to-five-year period. Chapter 13 is often the best option for those who cannot pass the Chapter 7 means test or those seeking to protect assets that would be placed at risk by Chapter 7. We explain your options for loan modifications versus bankruptcy and the prospects of reaffirming secured debts.

  • Chapter 11 Bankruptcy

    Chapter 11 Bankruptcy is a reorganization bankruptcy, and is available to individuals and businesses. In contrast to Chapter 7, the debtor remains in control of business operations under chapter 11 and doesn’t sell off all of its assets. Individuals or businesses will attempt to change the terms on debts, like interest rates and values of payments. The process involved with Chapter 11 personal or business bankruptcy is far more complicated than either Chapter 7 or Chapter 13 personal bankruptcy. In fact, you or your business will have to be involved in the process for several years in most cases. We can help you through all of these steps and explain each option available to you.

  • Chapter 15 Bankruptcy

    Chapter 15 Bankruptcy, added to the U.S. Bankruptcy Code in 2005, provides a way for dealing with cases that involve more than one country. The main goal of Chapter 15 is to provide cooperation between a foreign debtor, foreign courts and the U.S. Bankruptcy courts. A foreign debtor who had assets in a number of countries would file Chapter 15. Our attorneys have experience assisting foreign debtors with their complicated debt problems.

Why Our Bankruptcy Attorneys

Our boutique law firm offers comprehensive legal services and years of proven experience to help you recover from debt. We also recognize that each case is unique. This is why we deliver creative solutions and fee structures tailored to each client’s needs. Financial relief is possible and we’ll help you navigate the legal process from start to finish.

Debt Solutions Start Here

We offer an initial consultation at no charge for anyone interested in understanding their legal rights when it comes to bankruptcy. This allows us to review your financial situation, discuss your options under existing bankruptcy law and answer your questions regarding filing for bankruptcy in Southern California. If you are experiencing financial difficulties and would like to discuss your options, tell us about your situation below.

Free Consultation

Philosophy

We serve our clients’ individual needs while providing creative, practical, and affordable solutions. Our firm’s continued success results from our dedication, diligence, and honest communication with our clients.

Schedule Your Consultation

For inquiries regarding specific legal matters, contact us today to schedule an initial consultation with one of our experienced attorneys.

Service Areas

From San Diego to Los Angeles, Hoffman & Forde provides individuals and businesses with first-class legal services.

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