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Is Bankruptcy Right for Me?

Reviewing Your Debt Relief Options

Considering bankruptcy as an option to your financial troubles is an important decision to make. Filing for bankruptcy can greatly affect your current lifestyle.

This is why it is important to contact an experienced Chula Vista bankruptcy lawyer to discuss your specific situation and provide solutions best suited to your needs.

Below our attorney discusses aspects of Chapter 13 and Chapter 7 bankruptcy and you may want to consider before filing. Read on for more information regarding whether or not bankruptcy is right for you.

Get started on your free consultation with our skilled Chula Vista bankruptcy attorney - contact the Denton Law Group today!

First Steps

Before you file a bankruptcy case, you should compile a list of the types of debt you have. Define and set financial goals you would like to achieve by filing for bankruptcy.

Remember, bankruptcy does not necessarily absolve you of all your debts. There are some debts known as priority debts that bankruptcy does not protect you from paying.

Common Priority Debts Include:

  • Alimony/Maintenance
  • Child support
  • Income taxes due within a three-year period
  • Debts up to $2,775 in deposits made for the purchase, lease, or rental of property.

Which Bankruptcy Chapter Is Right for Me?

Chapter 7 vs. Chapter 13 Bankruptcy

Two types of bankruptcies Chapter 7 and Chapter 13 have different eligibility requirements. In order to qualify for Chapter 7, you must be able to pass a means test. Chapter 13 requires your debts do not exceed a certain amount.

To learn more, take a look at our informative blog, Quick Comparison Chart: Chapter 7 vs. Chapter 13 Bankruptcy.

Are You Being Sued?

When you fail to make the required payments on your debts, a creditor has the ability to take you to court in order to recover their money. If you are unable to pay your debt back, you could face:

  • Wage garnishment
  • Frozen bank accounts,
  • Liens on your assets

When you file for bankruptcy, a stay is placed on all collection actions by creditors including any pending lawsuits.

Property Repossession and Foreclosure

If your home is in danger of being foreclosed or your car is in danger of being repossessed, bankruptcy’s automatic stop on all pending collection actions could temporarily delay foreclosure or repossession.

If you decide to file for Chapter 13 bankruptcy, that process could allow you to catch up on any missed payments, reduce the balance of your loan and eliminate any unsecured junior liens on your home.

To learn more about whether or not bankruptcy is the right decision for your financial situation, you should contact a skilled Chula Vista lawyer. At Denton Law Firm, we have over 30 years of experience handling Chapter 7, Chapter 11, and Chapter 13 matters.

Let’s build your financial plan together. Contact us to schedule a complimentary consultation today.

  • Frequently Asked Questions

    There are many questions surrounding bankrupcty and debt relief. Get answers to common questions from our attorneys.

    View FAQ
  • Helpful Bankruptcy Advice

    Check out our blog posts for detailed explanations of how you can navigate certain debt-related situations.

    Read Blog Posts
  • Myths About Bankruptcy

    Don't be fooled by common myths! Learn more about what bankruptcy is and how it can help you get back on track.

    Learn the Myths

Client Testimonials

We've Helped Clients Just Like You Move on From Debt
  • “Would highly recommend Denton Law Group.”

    Jeff H.

  • “Mr. Denton is so knowledgeable”


  • “... with Mr. Denton’s help and knowledge I was able to... get myself out of debt rather easily.”


  • “Kerry is a bankruptcy attorney's bankruptcy attorney.”

    Ray, Bankruptcy client

  • “I would absolutely recommend Mr. Denton”


  • “After he resolved our debt issues my wife and I were able to breath again.”

    Marco B.

  • “If it has to be done, this attorney is the one to handle it.”

    Leonard Antick

  • “The trustee commented as to how well our attorney prepared us for our case. Great job!”


  • “We thank everyone at Southbay Bankruptcy for all of their help”


  • “Mr. Denton helped me to save my home and my sanity. He was very helpful and patient.”


  • “I couldn't be any happier with Kerry and the Denton Law Group!!”


  • “My hearing went off without a hitch.”


  • “I truly appreciate everything he did for me.”


  • “Feel like I am getting my life back in order.”


  • “I received so much one on one help from Mr. Denton”