When filing a bankruptcy, many San Diego debtors are unsure about what they are getting into.  Generally, you may file a bankruptcy and retain all of your personal belongings; this is called a “no-asset case,” as there will be no assets for the trustee to seize. This means you can usually keep your house, your car and all household goods. Our San Diego bankruptcy attorneys will make sure that your property is as protected as the law allows. If you owe more on your car than the car is worth, the bankruptcy court will not sell your car, because after sale there would be no money left over to make a distribution to your creditors. The same goes for your home and personal property. Even if your property is worth more than what is owed on it, usually we can use the claim the bankruptcy exemptions to protect these items.

You may be more at risk of losing property if you don't file bankruptcy, as creditors can sue you and attach your bank accounts, garnish your wages and attach and seize your property. As a result, you may miss rent, mortgage or car payments, making it difficult to provide even your most basic necessities.  Our San Diego Bankruptcy Attorneys will be able to provide you with more information.

Creditor harassment can be stressful and hard to cope with.  And it can, frankly, just be annoying. That is why filing bankruptcy can be a relief. As soon as you come into our San Diego office, we will give you a client record number and you will then refer all future creditor calls to your bankruptcy attorney at Sagaria Law. No more credit card payments and no more harassment immediately upon retaining one of our San Diego bankruptcy attorneys.