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Best Bankruptcy Attorneys in Vista

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Bankruptcy Law Center logo
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Bankruptcy Law Center

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

Business Description

Bankruptcy Law Center is a San Diego-based law firm that offers its services to clients who are in debt and facing foreclosure. The firm handles Chapter 7 and 13 bankruptcy and FDCPA violations. BLC has one of the state's four attorneys with three certified specializations. Ahren A. Tiller, who is the firm's supervising attorney along with Brian J. McGoldrick, is a Bankruptcy Law Specialist certified by the California State Bar Board of Legal Specialization.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Avvo
5.0 / 5 (6)
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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David Wiese Bankruptcy Attorney logo
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David Wiese Bankruptcy Attorney

1287 Elfin Forest Road East, San Marcos, CA 92078
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

David Wiese Bankruptcy Attorney is the private law firm of the bankruptcy attorney who serves the Vista metro area. Wiese uses his knowledge in chapters 7 and 13 of the bankruptcy law to provide legal consultation to his clients who seek financial relief. He evaluates his clients' situation and determines whether they qualify for a debt discharge or a repayment plan. David Wiese earned his Juris Doctorate degree in 1998.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Debt Relief Legal Clinic logo
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Debt Relief Legal Clinic

46 3rd Avenue, Chula Vista, CA 91910
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Debt Relief Legal Clinic is a law firm located in Vista led by John C. Colwell and Daniel J. Wiedecker. With more than 35 years of bankruptcy experience, the firm handles Chapter 7 and 13 bankruptcy, foreclosure, repossession, and creditor harassment cases. John C. Cowell has been recognized by the State Bar of California's Board of Legal Specialization as a Certified Legal Specialist for Bankruptcy Law. He is also a member and the current president vice secretary of the National Association of Consumer Bankruptcy Attorneys.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (12)
Avvo
5.0 / 5 (4)
Facebook
5.0 / 5 (3)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Gregory S. Hood, Attorney at Law, P.C. logo
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Gregory S. Hood, Attorney at Law, P.C.

2244 Faraday Avenue, Carlsbad, CA 92008
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Hood Law Group is a bankruptcy law firm assisting clients in Vista. The firm's bankruptcy lawyer can help clients file for chapter 7 bankruptcy. When the bankruptcy attorney and the client agree to file for a chapter 7 bankruptcy, the client has the option to eradicate particular kinds of debt. They can also reaffirm other debt by entering into a new contract with the lender. Hood Law Group started when Hood started his practice in 1989 after serving other legal offices.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Detail
Law Office of Donald W. Reid logo
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Law Office of Donald W. Reid

2227 Box Canyon Road, Fallbrook, CA 92028
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  • Debt Settlement

Business Description

Law Office of Donald W. Reid is a bankruptcy law firm serving families and small businesses in Vista. It is led by Donald Reid, who has been recognized by The State of California Board of Legal Specialization as a certified legal specialist. Reid is also a member of the Board of Directors for the Inland Empire Bankruptcy Forum. He can offer legal advice for those who are overwhelmed with debt and have to file for chapter 7, 11, or 13 bankruptcy.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Avvo
5.0 / 5 (8)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
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Detail
Law Office of Ralph L. Williams logo
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Law Office of Ralph L. Williams

316 South Melrose Drive, Vista, CA 92081
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  • Debt Settlement

Business Description

The Law Office of Ralph L. Williams is a law practice that has been representing clients for 40 years, focusing on helping them with bankruptcy matters so that they can start fresh. Located in Vista, Mr. Williams has helped clients file bankruptcy to stop problems such as foreclosures, creditor lawsuits and harassment, and wage garnishment. The practice assists with Chapter 7 and Chapter 13 bankruptcy. Mr. Williams works with clients directly from the initial consultation all the way to case resolution.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Moreno & Associates logo
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Moreno & Associates

1070 South Santa Fe Avenue, Vista, CA 92084
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  • Debt Settlement

Business Description

Moreno & Associates is a law firm that is located in Vista that has been practicing law for over 10 years. The company's attorneys are dedicated to helping clients in matters regarding immigration, bankruptcy, personal injury, domestic violence, and family law. Its bankruptcy lawyers can cater to Spanish-speaking individuals and can travel to the client's location. The firm's general manager, attorney Andres Moreno II is a member of the Florida Bar Association.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.8
Google
3.6 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
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Detail
North County Bankruptcy Clinic logo
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North County Bankruptcy Clinic

574 South Rancho Santa Fe Road, San Marcos, CA 92078
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The North County Bankruptcy Clinic has been representing individuals in bankruptcy cases in Vista since 1982. Among the types of bankruptcy cases that the law practice handles are Chapters Seven and Chapter 13 bankruptcies. Its principal lawyer, Scott Burton, has been practicing law for more than 40 years and has been in the service of North County, San Diego, and Riverside residents. The North County Bankruptcy Clinic's office is located in San Marcos.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.4 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Switzer Law Office logo
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Switzer Law Office

630 Alta Vista Drive, Vista, CA 92084
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Switzer Law Office is a Vista-based law firm committed to helping clients with unmanageable debt. Since 1977, J. Edward Switzer, Jr. has been handling chapters 7 and 13 cases for clients. He offers consultation to individuals who are struggling to pay debts caused by loss of income, illnesses, divorce, and deaths and helps them determine which bankruptcy petitions can provide solutions to their financial problems. In addition, Switzer also represents businesses in chapter 11 cases.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Yelp
4.5 / 5 (3)
Google
5.0 / 5 (1)
Avvo
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

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.

How bad is it to file bankruptcy twice?

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.

Can anyone file bankruptcy?

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.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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