Southern California Bankruptcy Attorneys

Trusted Lawyers Helping People Deal With Bankruptcy

When your finances are on the brink of chaos and there seems to be no way to avoid plunging headlong into an abyss, you may still have options. At the San Diego and Riverside County, California, law firm of Chang & Diamond, APC, our job is to inform you of your options regarding bankruptcy and debt relief so that you can make a fresh start − as many of our former clients have done.

Contact the lawyers at Chang & Diamond, APC, today.

How to Choose an Attorney - Guidance on how to choose a lawyer who can effectively represent your interests using years of experience and extensive knowledge of the bankruptcy laws and processes.

Chapter 7 vs. Chapter 13 Bankruptcy - Educating clients in the important differences between these two bankruptcy processes.

Chapter 7 Bankruptcy - Helping clients find debt relief by guiding them through the process of discharging their unsecured debt.

Chapter 13 Bankruptcy - Showing clients the benefits of reorganizing debt by declaring Chapter 13 bankruptcy as opposed to consolidating debt.

Keeping Your Home - Steps you can take to avoid foreclosure or lose your home if you declare bankruptcy.

Bankruptcy and Divorce - Showing clients the critical connection between divorce and financial woes.

Bankruptcy Basics - Informing individuals of the steps involved in determining bankruptcy eligibility, so they can make informed decisions to achieve financial stability.

Bankruptcy Qualifications - Helping clients understand the different qualifications that apply to each type of bankruptcy and what must be done to meet those qualifications.

Bankruptcy Myths - Dispelling myths concerning bankruptcy and assisting clients in understanding how common filing for bankruptcy is, though many people do not talk about it.

Benefits of Filing - Highlighting the benefits of the bankruptcy process and explaining the relief you may feel after filing for bankruptcy protection.

Recovering from Bankruptcy - Providing strategies for a financially responsible future after a bankruptcy declaration.

Repairing Your Credit - Simple steps consumers can undertake to repair their credit, get a low limit credit card, and begin the process of spending responsibly.

How to Modify Your Spending - Tips for avoiding debt or refinancing your home.

Creditor Harassment - Information regarding the Fair Debt Collection Practices Act and the legal options available to people harassed by collection agencies.

Wage Garnishment - Discussing the process leading up to wage garnishment and how we may possibly be able to put an end to the garnishment of your wages as debt repayment.

Understanding Today's Economy - A brief history of how our economic problems began and what you can do to protect yourself during these troubled times.

Debt Relief - Information regarding bankruptcy, and workout plans for businesses.

Asset Protection and Exemption - Helping clients through the difficult process of assessing whether their assets are protected or may be at risk.

Foreclosure, Repossession and Harassment - Protecting clients from the harassing practices of creditors and preventing repossession and trustee/foreclosure proceedings sales from taking place.

Unfair and Deceptive Acts or Practices (UDAP) - A type of consumer protection that prevents creditors from engaging in contacting debtors after hiring an attorney.

Rosenthal Act - Another type of consumer protection law that forbids excessive creditor contact with debtors if you have hired an attorney in order to gain control of the outstanding debts.

If you would like more information regarding our practice areas or want to schedule a free initial consultation with one of our bankruptcy attorneys, contact Chang & Diamond, APC, today.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.