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Chula Vista Bankruptcy Attorney

Contact us today at (619) 458-3739!


Bankruptcy Attorney
  • We offer free consultations
  • We are dedicated advocates
  • We are a BBB Accredited Business
  • We have 25+ years of experience
  • We go the extra mile for our clients
  • We can help you achieve maximum debt relief
  • We can build long-term debt solutions for you

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Are you considering bankruptcy? At Denton Law Group, we can provide you with the astute legal counsel that you need in order to accurately analyze your financial difficulties and decipher what manner of debt relief would be ideal for you. For more than 25 years, our experienced Chula Vista bankruptcy attorney has been helping clients end their debt crises and achieve new financial beginnings.

Benefits Of Declaring Bankruptcy

If you are contemplating bankruptcy, you are not alone – especially in California! Our state leads the nation in number of yearly bankruptcy filings. The bankruptcy code is a federal law designed to protect debtors who wish to proactively resolve their financial obligations. Whatever situation led to your debt crisis, bankruptcy can provide the legal protection you need to regain your financial stability.

The many benefits of bankruptcy include:

  • Provide the means to rebuild your credit
  • Instantly stopping credit harassment and wage garnishments
  • Prevent foreclosure of your home or repossession of your car
  • Eliminate unsecured debts (credit card debt, medical bills, court judgments)

Is Chapter 7 Bankruptcy Right For You

Also known as liquidation bankruptcy, Chapter 7 bankruptcy allows individuals to discharge most, if not all, of their unsecured debt and begin again with a clean financial slate. There is no repayment plan, but there are strict guidelines on who may qualify. As one of the more expedient
forms of debt relief, it is a common choice for individuals who wish to start rebuilding their credit
as soon as possible.

Bankruptcy Lawyer

Chapter 7 bankruptcy can help to eliminate the following kinds of debt:

  • Utility bills
  • Medical bills
  • Payday loans
  • Some tax debt
  • Mortgage debt
  • Personal loans
  • Credit card debts
  • Car and boat loans

Consolidate Your Debt with Chapter 13 Bankruptcy

If you do not qualify for or your assets are over the limit allowed under Chapter 7 bankruptcy, declaring Chapter 13 bankruptcy may be a beneficial alternative. Unlike a liquidation bankruptcy, Chapter 13 bankruptcy allows you to keep all of your property and reorganizes your debt into a manageable repayment plan, which can include student loans, child support payments, and tax obligations. Some debts may even be dismissed altogether.

After a careful analysis of your current debt, expenses, and income, a repayment plan is approved by the court, enabling you to make reasonable monthly payments to pay off the balance. This process is overseen by a court-appointed trustee and usually takes three to five years to complete.

Filing Chapter 13 bankruptcy has certain advantages not available under other types of bankruptcy, including:

  • Allowing you to catch up on missed mortgage payments
  • Eliminating unsecured second mortgages or liens on your home
  • Providing you the ability to reduce your car loan and pay it off at fair market value
  • Clearing off your credit report in 7 years (chapter 7 stays on your report for 10 years)

Chapter 11 Bankruptcy Protection for Business Debtors

Trusted Bankruptcy Lawyer

Depending on the complexity of your process, you may be able to emerge from a Chapter 11 bankruptcy within a few months. Although a common form of debt relief for corporations and small businesses, individuals may also file under this statute if they meet certain standards or are unable to qualify for either Chapter 7 bankruptcy or Chapter 13 bankruptcy. A small business owner who wishes to continue operating during and after the bankruptcy process may elect to file for Chapter 11 bankruptcy protection.

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Similar to Chapter 13 bankruptcy, a repayment plan is presented to the court by the debtor. Creditors will have a say in determining if the plan will be approved. Chapter 11 bankruptcy reorganizes your financial obligations through the renegotiation of interest rates, elimination of liens so you can freely sell property, and the cancellation of contracts that are no longer beneficial.

Learn which bankruptcy may be right for you. Speak with us for free!

At Denton Law Group, we don't believe in rushing our clients through a life-altering process such as bankruptcy. Our supportive Chula Vista bankruptcy lawyers are dedicated to educating our clients on their debt settlement options, diligently addressing their needs and concerns, and meeting with them personally.


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