At the San Diego, California, law firm of Stuart M. Manroel, A.P.L.C., our job is to inform you of your options regarding bankruptcy and debt relief so that you can make a fresh start – as have many of our former clients.

Perhaps you have fears about declaring bankruptcy. You are afraid you will lose everything and that you will never be able to get a home loan, car loan, or credit card again. On the other hand, you are tired of creditors' letters and using credit cards to make ends meet. You fear garnishment of you hard-earned wages. You probably need answers on how bankruptcy can address your financial crisis.

At Law Offices of Stuart M. Manroel, A.P.L.C. our bankruptcy attorneys are dedicated to helping you achieve economic stability by understanding the bankruptcy process and making informed decisions about your future. Contact us today for a free 30 minute initial consultation.

Eligibility

Declaring bankruptcy begins with a determination of eligibility. At Law Offices of Stuart M. Manroel, we conduct a liquidation analysis of all your assets. Together, we compare your income and liabilities. We keep you informed every step of the way and help you take the necessary steps to file a petition with the bankruptcy court.

Need

Once we have determined your eligibility, we assess your needs. What are your goals? Do you have any disposable assets? People often have concerns about what they stand to lose in a bankruptcy proceeding.

What you stand to lose by declaring bankruptcy is largely determined by the results of a means test. While you may lose assets by declaring a Chapter 7 bankruptcy, the vast majority of people don’t lose anything. In the case that you do lose something, the loss is generally negligible in comparison to what you gain.

Dischargeability

You must know that when you declare bankruptcy, not all debt is dischargeable. A reliable way to determine dischargeability is to discuss your debts with an attorney. Our attorneys will examine when each debt was incurred, whether it was a personal loan, credit card charge, or a medical bill (all of which are dischargeable). We also look at some debts that may not be dischargeable, such as student loans, child support, or spousal support.
We provide you with honest answers so you can make informed decisions. Contact us today.

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 all unsecured debt.

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

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

Benefits of Filing - Dispelling myths concerning bankruptcy and highlighting the benefits of the process.

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

Asset Protection and Exemption - Helping clients through the difficult decision of whether to declare bankruptcy by assessing whether their assets are protected or 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.

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

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 Law Offices of Stuart M. Manroel, today.