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Best Bankruptcy Attorneys in Oceanside

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BLC Law Center logo

BLC Law Center

380 South Melrose Drive, Vista, CA 92081
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

BLC Law Center is a bankruptcy law firm that offers legal help for clients who are facing financial trouble in Oceanside and nearby areas. Its bankruptcy lawyers have over 100 years of combined experience. They primarily focus on chapter 7 and chapter 13 representation, stopping vehicle repossession, creditor harassment, lost wages, and lawsuits. BLC Law Center also defends clients in various FDCPA violations, such as collection disputes and TCPA claims.

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Debt Relief Legal Clinic logo

Debt Relief Legal Clinic

122 Civic Center Drive, Vista, CA 92083
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Debt Relief Legal Clinic is an Oceanside-based law firm that serves the San Diego area. The team of bankruptcy lawyers has 35 years of experience. It helps clients considering filing for bankruptcy to prevent harassment from creditors, asset repossession, and property foreclosure. The lawyers assess the financial situation of the client to determine whether filing for bankruptcy is the best solution. The legal practice has experience in Chapter 7 and Chapter 13 bankruptcy.

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Debt Relief Legal Clinic logo

Debt Relief Legal Clinic

122 Civic Center Dr, Suite 204, Vista, CA 92084
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Debt Relief Legal Clinic was founded in 1975 to provide legal help for Oceanside-based individuals and businesses struggling with financial issues. The firm's practice focuses on chapter 7 and chapter 13 representation, which involve the discharging of unsecured debts and the development of repayment plans, respectively. Bankruptcy attorneys also assist in settling debts outside bankruptcy through debt consolidation and negotiation. The State Bar of California recognized the firm’s attorney, John Clayton Colwell, as a certified legal specialist in the area of bankruptcy law.

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Greenman, Lacy, Klein, Hinds, Weiser logo

Greenman, Lacy, Klein, Hinds, Weiser

900 Pier View Way, Oceanside, CA 92054
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  • Chapter 7 Bankruptcy

The law offices of Greenman, Lacy, Klein, Hinds, Weiser were established in the 1940s and have a strong focus on providing rigorous and uncompromising representation for clients in Oceanside and La Jolla. Their representation supports clients who are filing for chapter 7 bankruptcy in court. This bankruptcy law firm also helps creditors present their claims in bankruptcy cases. Additionally, it guides clients through the bankruptcy process to help them rebuild their finances and move on with their lives.

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Gregory S. Hood, Attorney at Law, P.C. logo

Gregory S. Hood, Attorney at Law, P.C.

2244 Faraday Avenue, Carlsbad, CA 92008
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  • Chapter 7 Bankruptcy

Gregory S. Hood, Attorney at Law, P.C. is a law office that provides its services to clients in Oceanside who are seeking debt relief. The firm's bankruptcy attorney, Gregory S. Hood, is experienced in chapter 7 filings. Hood assists in assessing the financial status of the client through the means test, a benchmark that determines eligibility for chapter 7 bankruptcy. Gregory S. Hood, Attorney at Law, P.C. also handles cases in other areas, including personal injury and criminal defense.

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Law Office of Diane H. Gibson logo

Law Office of Diane H. Gibson

2755 Jefferson Street, Carlsbad, CA 92008
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Law Office of Diane H. Gibson has been guiding businesses and individuals throughout Oceanside and nearby areas since 1986. The firm's owner, Diane H. Gibson, can represent clients in all forms of bankruptcy filings, including Chapter 13, 11, and 7 cases. Attorney Gibson represents both creditors and debtors in bankruptcy representation, including preference actions and adversary proceedings. She is one of only 13 certified bankruptcy specialists in San Diego county.

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Law Office of Donald W. Reid logo

Law Office of Donald W. Reid

PO Box 2227, Fallbrook, CA 92088
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

The Law Office of Donald W. Reid is a law firm located near Oceanside that provides legal services to the Southern California area. Reid is a Certified Legal Specialist in bankruptcy and handles personal bankruptcy under Chapters 7, 11, and 13, business bankruptcy under Chapters 7 and 11, and bankruptcy litigation. Starting his private practice in 2014, Reid is a member of the Inland Empire Bankruptcy Forum's Board of Directors and has published an article in the American Bankruptcy Trustee Journal's Winter 2017 issue called, "A Trustee's Roadmap for Piercing the Debtor's Corporate Veil."

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New Chapter Law Group logo

New Chapter Law Group

5927 Balfour Court, Carlsbad, CA 92008
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

The New Chapter Law Group represents individuals in bankruptcy cases in Oceanside. The law firm assists in discharging and reorganizing personal debt. In addition to filing for chapters 7 and 13 bankruptcy, bankruptcy lawyers Kristin Lamar and Nik Chawla also aid in debt resolution and home foreclosure matters. The pair has over 20 years of experience in practicing bankruptcy law. The New Chapter Law Group has offices in Carlsbad, Temecula, and San Diego.

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The Larkin Law Firm logo

The Larkin Law Firm

5927 Balfour Court, Carlsbad, CA 92008
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

The Larkin Law Firm represents individuals in bankruptcy cases in Oceanside. The law firm assists in discharging and reorganization of personal debt. In addition to filing for chapters 7 and 13 bankruptcies, bankruptcy lawyer Jeffrey D. Larkin also aids in relief from debt collector harassment, bad credit, and home foreclosures. He has over 17 years of experience in practicing bankruptcy law. The Larkin Law Firm's office is located in Carlsbad.

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Frequently Asked Questions

Q: Can anyone file bankruptcy?

A: Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

Q: How bad is it to file bankruptcy twice?

A: Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Q: Can they take my car in Chapter 7 bankruptcy?

A: In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

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