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.
Our Boutique Lawyers
Our highly-credentialed attorneys deliver superior quality services. Every client receives the best legal representation possible regardless of complexity.
Schuyler V.V. Hoffman
Residential Real Estate, Civil Litigation, Business Consulting
Daniel R. Forde
Civil Litigation, Residential Real Estate, Commercial Real Estate, Business Consulting, Tax Advisory
Civil Litigation, Residential Real Estate, Commercial Real Estate, Business Consulting
Immigration Law, Administrative Law
Estate Planning, Business Consulting, Tax Advisory
William H. Sauls
Estate Planning, Business Consulting, Tax Advisory
Criminal Defense, Restraining Orders, Civil Litigation, Administrative Law
Residential Real Estate, Civil Litigation
I personally worked with Mr. Hoffman who provided me with prompt, detailed and sound legal advice. I was in a situation where the seller of my home cut corners and he helped me get out of paying an arm and a leg by using his expertise to demonstrate why the seller was responsible. Don't look any further for your legal needs.
Sky and Dan are great to deal with on matters of real estate and business. Cogent, concise, and pragmatic legal advice. I feel very well represented and have been treated fairly when it comes to their fee schedule. I am very selective when it comes to giving referrals and Hoffman & Forde have never dropped the ball when I have sent them one.
Schuyler and his whole team of associates are the best! They have provided valuable and reliable information in helping me from my business entity. They are very trustworthy, and helped save me a lot of time and money.
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.