We are excited to announce the addition of San Diego bankruptcy attorney Chris Bush to the Debt Doc practice. Chris has represented many clients, not only in the area of bankruptcy, but more specifically, as an expert in the rapidly growing area of Student Loan Law.
Chris has practiced consumer and small business bankruptcy for over 13 years and worked on thousands of cases. He has a passion to fight against and dispel the prevalent and harmful misinformation regarding bankruptcy filing and debt relief options. He has the experience to steer you in the right direction and help you legally resolve your debt burden.Chris’s passion is to provide personal, compassionate and creative bankruptcy representation that yields the best possible solution for his clients suffering under crushing debt. Bankruptcy laws and procedures are often misunderstood due to the prevalence of misinformation regarding debt and bankruptcy options. Chris has practiced consumer and small business bankruptcy for over twelve years and worked on over a thousand cases. He can assist you by clarifying the options available to you and finding the best solution for your case.
Chris Bush is active and has experience in the following areas of bankruptcy and debt relief.
“I know that everyone’s financial situation and burdens are unique and understand the power of listening.”
Whether you’re seeking relief from overwhelming credit card debt, medical bills, taxes, payday loans, or other personal debt, bankruptcy attorney Chris Bush can assist you in untangling the options to find the best solution for your specific debt relief case. You may be able to eliminate or reduce your tax debts, student loan debts, medical debts, or car loans. You may even be able to eliminate a home equity line or second mortgage. He’ll guide you to the best solution for your situation.
If you're still holding the bag on an income tax debt your ex-spouse drove up, and particularly if you don’t have the wherewithal to repay it, you might be in luck. It doesn’t matter if the tax bill is a result of an understatement of earnings tax on the return, or if it’s just an underpayment of the tax due at the time--you may have a chance of absolving yourself of the obligation for payment. But you’ll have to fight for it.
Just what is bankruptcy? Will it wipe away all my debts?
Bankruptcy is a federal court process created to assist consumers and companies eliminate their debts or repay them under the protection of the bankruptcy judge. Bankruptcies can generally be described as "liquidation" (Chapter 7) or "reorganization" (Chapter 13). Under a Chapter 7 bankruptcy, you ask the bankruptcy judge to wipe out (release) the debts you owe. Under a Chapter 13 bankruptcy, you file a plan using the bankruptcy court proposing just how you'll repay your creditors. You must repay some debts in full; others may be repaid only partially or perhaps not at all, based on everything you can afford. For lots more information, see What's Bankruptcy?
Whenever you file either type of bankruptcy, a judge purchase called an "automatic stay" goes into result. The automated stay forbids most creditors from using any action to gather the debts you owe them unless the bankruptcy judge lifts the stay and lets the creditor continue with collections. For more information, see just how Bankruptcy Stops Your Creditors: The Automatic Stay.
Particular debts cannot be discharged in bankruptcy; you will continue steadily to owe them just as if you had never filed for bankruptcy. These debts consist of back kid support, alimony, and specific types of taxation debts. Student loans will not be discharged unless you can show that repaying the financial obligation would be an undue burden, which is an extremely tough standard to fulfill. And other types of debts might not be released if a creditor convinces the court that the debt should survive your bankruptcy. For lots more information, see exactly what Bankruptcy Can and Cannot Do.
DO I NEED A LAWYER TO FILE FOR BANKRUPTCY?
The bankruptcy legislation significantly changed in 2005, making information technology much more difficult to register for bankruptcy security. Although you are not lawfully required to have a lawyer file for bankruptcy, consulting with an experienced bankruptcy lawyer will assist you fully understand your choices and avoid potential pitfalls. For instance, failure to get credit counseling before filing or perhaps not providing certain papers to the Court and the Trustee timely will cause your instance to be dismissed. Other problems that could result include losing your house or other property you are attempting to protect, which you otherwise may have been able to protect had you sought out legal advice. There are a quantity of bankruptcy preparer services that advertise that they can prepare and register your petition for you, however, they're forbidden from giving legal advice and they cannot represent you when a problem develops. There are a quantity of pro bono services that may be in a position to help you if you qualify for free appropriate services.
San Deigo bankruptcy litigation attorney Chris Bush uses his knowledge and litigation skills in matters involving tax debts, child and spousal support enforcement actions and consumer bankruptcy. He appears on behalf of clients throughout San Diego and Imperial Counties, advocating for clients in cases involving:
A San Diego Bankruptcy Lawyer whoconcentrates his entire practice in Bankruptcy Law and can help you determine if filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy is right for you. If you've already filed for bankruptcy in the past, a Chapter 20 combination or debt settlement program just might be right for you.
Chapter 13 bankruptcy is the reorganization of your debt rather than the discharge of debt that falls under Chapter 7. Clients who may not qualify for Chapter 7 bankruptcy may recieve assistance from a San Diego chapter 13 bankruptcy attorney, Chris Bush in filing Chapter 13 bankruptcy. If you are not eligable for Chapter 7 bankruptcy, this is usually due to income or your assets.
Bankruptcy Attorney Bush gives much needed help to clients so they can arrange more time to repay some or all of their outstanding debts, and may be able to renegotiate a discount or reduction in the amount of debt they owe.
Bankruptcy attorney Chris Bush has practiced consumer and small business bankruptcy for over 12 years and worked on thousands of cases. He has a passion to fight against and dispel the prevalent and harmful misinformation regarding bankruptcy filing and debt relief options.
As a consumer, you have options on how to consolidate your loans. Rolling multiple debts into one lower-interest loan may save you a lot of money and make your debt much easier to manage. You should explore all your debt options. Get offers from various lenders for various types of debt consolidation programs. Use online debt consolidation calculators or learn from insightful articles on other debt solutions.
Debt Consolidation Loan Types
Home Equity Loan
Cash-out Mortgage Refinance
Credit Card with Balance Transfer
Consolidation Loan Advantages
May be able to lower your interest rate
Fewer payments to make each month
Fewer service charges
A variety of loan types to choose from
A typical bankruptcy candidate is a person who is already in fragile financial circumstances, often with great amounts of consumer debt, who then all of sudden faces a period of hard luck (loss of job, injury, divorce, uninsured medical expenses), which results in mounting payment penalties and an unpayable mountain of debt.
Bankruptcy law is created to help people who find themselves in this situation, who need assistance in making an escape from the walls of debt -- a "fresh start" on life, rather than spend the rest of their lives being crushed by the burden of unpayable debt.