Reputable Bankruptcy Lawyers in San Marcos, CA

We, Chang & Diamond, are your leading bankruptcy lawyers in San Marcos, dedicated to helping you deal with financial turmoil in the best way possible. We offer professional representation throughout your entire bankruptcy proceedings. We emphasize a tailored approach that takes your unique financial situation into consideration when designing a strategy for your bankruptcy. This is how we maximize the benefits you can receive, and ensure the success of your claim.

We offer comprehensive bankruptcy representation

At our offices in San Marcos, our expert bankruptcy lawyers offer legal guidance and representation in all matters related to bankruptcy, including foreclosure, repossession, and workouts. Our aim is to help you achieve freedom from debt by carefully planning your claim and filing all the necessary documentation on time. We also employ Spanish-speaking staff to make sure you feel comfortable discussing the details of your bankruptcy with us.

See what our previous clients have to say about us

This was the best experience I could have imagined with a bankruptcy attorney. I had been ill and Chang & Diamond took care of everything for me. They went far and above the course of duty to make this an easy process. I didn’t know a law office would actually take the time to be so courteous and show a personal interest. I would recommend Chang & Diamond to anyone who has bankruptcy needs. The entire office was exceedingly kind and efficient.
-CC, San Marcos
5/5 Stars on Yelp – They earned it. This firm made the BK process smooth and stress free. We initially met with Steve Diamond, who was professional and very helpful. The staff communicated with us via phone and emails for necessary documents. Richard Chang represented our case. In our opinion, Mr Chang was most prepared and confident attorney we witnessed in the hearings. The case took about 5 – 10 minutes. Thanks to all the staff for an excellent job.
-JS
Facing bankruptcy, we needed legal advice and a plan to avoid any missteps. Our attorney, Alison Maloof of Chang & Diamond, guided us through the process and was always available with answers to our questions. Richard Chang superbly represented us at the bankruptcy hearing. From start to finish the process went smoothly. Alison and Richard gave us our fresh start and we couldn’t be more grateful for all their efforts.
-Our very best, A & D

We provide all the necessary information on your proceedings

The goal of our bankruptcy attorneys in San Marcos is not just to represent you and help you file a successful claim, but also to educate you. We believe that knowledge is crucial in making sound financial decisions, which is why we offer access to ample information regarding bankruptcy, from understanding the benefits of filing to addressing how bankruptcy will help you with your wage garnishments. This is why we know you’ll have a prosperous future.

We’ve designed an easily accessible way to hire our services

We’ve created an easy way to hire the services of our bankruptcy lawyers not just near you, in San Marcos, but also across the entire area. First, we have several satellite offices across the region, where you can come in for a consultation and see how we can help you with your claim. Also, we employ several lawyers who travel throughout the entirety of Southern California, making it more convenient to secure our assistance. Filing bankruptcy has never been easier.

Your experienced bankruptcy lawyers in San Marcos

We focus on one thing and one thing only, and that’s helping you file bankruptcy in San Marcos. This is why we have such an extensive knowledge of everything concerning different types of bankruptcy, including Chapter 7 and Chapter 13. We’re specialists in assisting you achieve financial independence and we’re here to meet your unique needs and requirements. Your economic security is only a phone call away.

We offer completely free-of-charge consultations

Just give us a call, make an appointment, and we’ll help you file bankruptcy and make a fresh financial start.

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Frequently Asked Questions

When is it time to file bankruptcy?

If you’re experiencing financial difficulties but you’re not sure if it’s time to hire an experienced bankruptcy lawyer in San Marcos, it’s important to know when you should file bankruptcy. Here are some of the most common telltale signs that you need to consider bankruptcy:

  • You daily spending is becoming difficult to manage
  • You’re using new credit cards in order to pay previous debt
  • Your debt is becoming to exceed your income
  • You’re skipping paying your bills
  • You’re slowly dipping into your savings account

What are the most common mistakes when filing bankruptcy?

The first and the most important mistake you can make when filing for bankruptcy in San Marcos is not hiring an experienced attorney to guide you through the process. However, there are also other mistakes to pay attention to, such as:

  • Waiting too long to file and continuing to struggle with your finances
  • Choosing the wrong chapter to file under
  • Making additional debt before you file for bankruptcy
  • Not disclosing all the assets you own
  • Failing to submit the proper documentation
  • Not attending credit counseling
  • Missing your 341 hearing

What does a bankruptcy lawyer do?

When you hire a bankruptcy lawyer who operates near your location in San Marcos, they’ll provide start-to-finish assistance with everything you need regarding your bankruptcy. This means they’ll:

  • Assemble all the necessary documents
  • Provide advice about your bankruptcy process
  • Represent you in court
  • Protect your from creditor harassment
  • Pay attention to all the important deadlines
  • Maximize the benefits you can expect from bankruptcy
  • Relieve you of the stress that stems from your financial trouble

What are the types of debt in bankruptcy?

The three main types of debt that bankruptcy recognizes are:

  • Secured debt, such as home mortgages, car loans, personal loans with collateral, real estate tax liens, and civil lawsuit liens.
  • Priority unsecured debt, such as government benefit repayment, criminal fines, child and spousal support, and taxes.
  • Non-priority unsecured debt, such as personal loans without collateral, past due bills, credit card debt, and medical bills.

Who are the best bankruptcy lawyers near me in San Marcos, CA?

At Chang & Diamond, we specialize in helping our clients deal with different aspects of bankruptcy, from deciding whether to file under Chapter 13 or to choose Chapter 7 bankruptcy for your financial situation. However, that’s only the tip of the iceberg, when it comes to our services. We have the knowledge and the experience to:

It’s this comprehensive approach that makes us one of the leading bankruptcy lawyers in San Marcos and other nearby areas. If you’d like to learn more about our legal firm, feel free to contact us per your convenience and schedule a completely free consultation. We’re your go-to experts dedicated to helping you get your finances in order.

With our help, you’ll soon be able to enjoy Carrillo Ranch Historic Park and Elfin Forest Natural Area with a clear mind once again. However, that’s not all – you can contact us if you need: