Chang & Diamond APC, Go-to San Diego Bankruptcy Lawyers

The fall-out from the current economic crisis is unlikely to abate any time soon. Many homeowners and businesses face difficult decisions regarding bankruptcy and curbing spending. San Diego bankruptcy attorneys at Chang & Diamond, APC, dedicate their practice to providing clients with legal assistance that is experienced and affordable.

The Best Bankruptcy Lawyer San Diego Relies on

At the law office of Chang & Diamond, APC, our San Diego bankruptcy attorneys provide legal advice and representation in matters related to Bankruptcy, foreclosure and workouts. Located in San Diego and Riverside County, California, our firm and lawyers focus solely on helping clients achieve freedom from debt through planning, creditor debt negotiation , personal bankruptcy filings and asset protection for items such as cars. Contact Chang & Diamond bankruptcy lawyers today to schedule a free initial consultation. Learn how to seek the debt relief that our lawyers found for our many clients in San Diego and Riverside County and throughout Southern California, including Downtown San Diego, Chula Vista, San Marcos, Rancho Bernardo, El Cajon, & Temecula. We also have Spanish-speaking staff members to assist you.

“This was the best experience I could have imagined with a Bankruptcy Lawyer. 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 to take a personal interest. I would recommend Chang & Diamond to anyone who has bankruptcy needs. The entire office was exceedingly kind and efficient.”—CC, San Diego

Informative

A large part of the service that we provide our clients is education. We believe that knowledge is crucial to your ability to make decisions that will give you peace of mind. Whether you have questions regarding Chapter 7 or Chapter 13 bankruptcy, our lawyers are here to inform and empower you. We can explain how to choose an attorney who can handle your bankruptcy, whether you can file for bankruptcy, the benefits of filing for bankruptcy, dispel any bankruptcy myths that you may have heard, how bankruptcy may affect taxes and address wage garnishment matters.

Accessible

The bankruptcy attorneys at Chang & Diamond, APC, practice out of our main San Diego/Riverside County office, but we also have several satellite offices where we can meet to discuss your financial issues. Our San Diego lawyers travel throughout Southern California to make it more convenient for you to seek the advice and debt relief you need.

Experienced San Diego Bankruptcy Attorneys

Because we focus on San Diego bankruptcy filings, we have comprehensive and current knowledge of the law. As a result, we provide service that consistently meets our clients’ debt-relief goals. When you consult with us about personal bankruptcy, our attorneys can share success story after success story − powerful examples of individuals who thought they would face a lifetime of debt, but achieved financial freedom and economic security.

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What Does A Bankruptcy Attorney Do?

The process of filing for bankruptcy is often a complicated one. It requires you to make a series of important decisions from the moment of filing to the end of the procedure. Understanding these decisions and the implications they carry is key when filing for bankruptcy. Knowing the ins and outs of the process can help you get a better deal, keep some of your assets and generally get the best of your bankruptcy case, whether it’s chapter 13 or chapter 7 bankruptcy.

The bankruptcy attorney is there to offer their counsel and professional advice regarding your bankruptcy case and advise whether a particular option is well suited for you. They can help you gain more insight into your debts, your assets and advise whether filing for bankruptcy is the best course of action for you in that particular scenario.

If bankruptcy is a good choice for you, they can further help you choose between Chapter 7 bankruptcy or Chapter 13 bankruptcy and explain the difference and the implications of both. Next, a bankruptcy attorney can help you make the most out of either case. In chapter 7, your bankruptcy attorney can help you protect any assets you don’t want to give up to repay the creditors, such as your car or your home. If you file for Chapter 13 bankruptcy, they can help you create an ideal repayment plan that you will be able to afford.

When filing for bankruptcy, your attorney will help you collect all the necessary documents that involve your assets, debts, income and expenses. They will help you navigate the bureaucracy from there on, ensuring your filing is as smooth and expedited as possible. Finally, a bankruptcy attorney will be there to answer any of your questions throughout the process. Filing for bankruptcy can be challenging and intimidating, and hiring a bankruptcy attorney can help make it much less so.

How Much Does A Bankruptcy Attorney Cost?

If you are considering hiring a bankruptcy attorney you’ve probably asked yourself “how much should I pay for a bankruptcy attorney?” The bankruptcy attorney fee largely depends on the type of bankruptcy filed, whether it’s Chapter 7 or Chapter 13 bankruptcy.

With Chapter 7 bankruptcy, the fee is different on a case by case basis, depending on how complicated your case is. If you have a lot of accumulated debt or a lot of assets, your fee will likely be higher than for someone with no assets. Bankruptcy is a very specialized area of the law, and attorneys who don’t specialize in it likely won’t accept a bankruptcy case.

When it comes to Chapter 13 bankruptcy, most courts have a guideline for what constitutes an acceptable Chapter 13 bankruptcy attorney fee. Most attorneys don’t charge more than what the court recommended. These fees vary from one judicial district to another. Unlike Chapter 7, Chapter 13 bankruptcy fees don’t have to be paid up front. Usually, part of the fee is covered beforehand and the remainder is charged through the Chapter 13 repayment plan.

How To Find A Bankruptcy Attorney in San Diego?

Finding a bankruptcy attorney starts by looking for a vetted candidate in your area. Finding a good San Diego bankruptcy attorney is easy thanks to the Internet. You can easily run any attorney through a search and check their credentials, experience and others’ experience with them. If you know someone who’s gone through bankruptcy and ask for a recommendation.

Your best choice is to hire a bankruptcy attorney or a legal team like Chang & Diamond, APC with enough experience as well as empathy. With over 20 years as a team, Chang & Diamond have a stellar reputation and a lot of clients who will happily share their experience working with us.

What To Look For In A Bankruptcy Attorney?

Apart from their credentials, a bankruptcy attorney has to possess certain attributes necessary for this particular job. First of all, a bankruptcy attorney needs to be empathic, as dealing with bankruptcy takes a heavy emotional toll on the client in most cases. The last thing they need is a judgmental or unsupportive attorney to remind them of how they went wrong.

Next, the attorney needs to be experienced enough to understand the fundamental rules of a bankruptcy proceeding in order to be able to best represent the client’s interest. They have to be familiar with all the ins and outs of the law to be able to get their client the best repayment plan or help protect their assets.

Finally, the attorney has to offer reasonable rates so people filing for bankruptcy can actually afford to be represented by a professional. This is why at Chang & Diamond, APC we offer a free initial consultation for all our clients. During the initial consultation we’ll go over your case and you can address your questions and concerns including the filing process, pricing, etc.

What To Ask A Bankruptcy Attorney?

During the first consultation you will get the chance to talk to the attorney and learn more about them, their practice and your case in general. During this consultation, don’t be afraid to ask questions. This is the only way to get familiar with the process and learn more about how bankruptcy will affect you.

Some of the questions you can ask are:

  • What type of bankruptcy am I most qualified for: Chapter 7 or Chapter 13?
  • How many bankruptcy cases have you handled?
  • How responsive are you to calls and communication?
  • How involved will you be in filing the paperwork?
  • Will you accompany me in the court hearings?
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