With over 12 years of experience and thousands of cases as a consumer bankruptcy attorney, Chris Bush is on the cutting edge of Bankruptcy and Student Loan Law. Chris can assist you in untangling the options to find the best solution for your specific debt relief case.
Short sales may seem like a promising option for homeowners who want to avoid foreclosure. A bank may even agree to sell the property at a loss. However, while the bank and realtor receive some benefits — they do not have to pay large foreclosure fees — the short sale process rarely benefits homeowners. It only accelerates the time the homeowner has to move out.
San Diego foreclosure lawyer Chris Bush works closely with clients to stop foreclosures and provide relief from other real estate debt challenges.
Clients who are facing foreclosure are frequently victims of unforeseen circumstances. They may have suffered a serious illness and been unable to work. The house may have required essential and expensive repairs. They may have been victimized by predatory lenders. They may have borrowed money against a home that is now worth less than they owe. San Diego foreclosure attorney Chris Bush can help stop foreclosure proceedings and give clients a chance to address their financial problems.
Divorce and Domestic Support Obligations are determined under state law. Typically, where there is a state support or divorce court order, a bankruptcy court will not disrupt the state court order.
The filing of a bankruptcy does not automatically stop a proceeding in divorce court from continuing. Only under certain circumstances will a bankruptcy proceeding impact a divorce proceeding.
If you are considering filing for bankruptcy, the first question you should ask yourself is: do I qualify for bankruptcy? Attorney Chris Bush can help you determine the answer to that question and whether bankruptcy is right for you.
San Diego personal bankruptcy lawyer Chris Bush has developed a law practice focused exclusively on helping individuals and families find debt relief. His arguments in several California courts have influenced bankruptcy case law and he is regionally known as a lecturer on bankruptcy law. Contact him today to speak to learn about your options.
Filing for bankruptcy is not for everyone. Bankruptcy attorney Chris Bush helps clients negotiate with their creditors to reduce or reorganize their debts outside of the bankruptcy process. With over 12 years of experience as a California consumer bankruptcy attorney, Chris Bush is an assertive negotiator. He has handled countless debt negotiations and reorganizations for clients throughout California.
To learn more, schedule a free consultation with a San Diego debt negotiation and reorganization lawyer.
Many individuals attempt to negotiate with their creditors on their own. However, they often find themselves up against a wall. Creditors are much more likely to respond to an attorney's call. They are also more likely to agree to a better settlement when an lawyer is present at the negotiation table.
For the best results with debt negotiation and reorganization, you need an advocate who knows the system. Our attorneys at Debt Doc know creditors, know the law, and know what to do to get results. When you have extensive debts and would like to protect your family's assets, turn to them.
In the best cases, a debtor will be able to negotiate a permanent reduction in the debt he or she owes a creditor. Known as a debt workout, creditors often agree to debt reduction if a debtor would be able to remove the debt completely in Chapter 7 bankruptcy.
In other cases, the creditor will negotiate a debt consolidation with the debtor. Debt consolidation allows the creditor and debtor to reorganize debt through extended payment plans.
Attorney Bush has experience successfully negotiating debt workouts and debt consolidation plans for individuals with overwhelming debt. When you want relief from credit card debt, home mortgage payments, medical bills, court judgments and more, our attorneys at Debt Doc can help.
While debt reorganization is a promising option for many individuals, it can also lead to consequences, such as higher taxes. In some cases, the creditor may not be willing to reorganize or consolidate debt. Attorney Chris Bush can help you understand all of your options for debt relief, including determining whether you can and should file for Chapter 7 or Chapter 13 bankruptcy.
Contact our debt negotiation and reorganization lawyers at (619)295-3322. Consultations are available by appointment during regular business hours. Evening and Saturday appointments are also available.
Free Initial Consultations * Available Evening and Weekend Appointments
Being in over your head in debt is frightening. Job loss, a serious illness, and the inability to work can all lead to financial strain. The combination of difficult circumstances such as these and the constant harassment from debt collectors leaves many people anxious and wondering where to turn.
San Diego chapter 7 bankruptcy attorney Chris Bush is dedicated to helping consumers who are overwhelmed by debt. He helps them make a fresh start through Chapter 7 bankruptcy while explaining the process and addressing any concerns along the way. To discuss your financial situation and debt relief options, contact us today.
Chapter 13 bankruptcy is a reorganization of debt rather than the discharge of debt possible under Chapter 7. Clients who do not qualify for Chapter 7 bankruptcy can get assistance from San Diego chapter 13 bankruptcy attorney Chris Bush in filing Chapter 13 bankruptcy. Ineligibility for Chapter 7 bankruptcy is usually due to income or assets.
Attorney Bush helps clients arrange more time to repay some or all of their debts, and may be able to negotiate a discount or reduction in the amount of debt owed.
Bankruptcy filings can lead to disputes that require litigation to resolve. San Diego bankruptcy litigation attorney Chris Bush works hard to help his clients avoid litigation, but is always willing to fight for their rights to make a financial fresh start. Chris Bush is an experienced bankruptcy litigator who has handled many disputes in court and through negotiation.
Contact us at (619)295-3322 to discuss your situation.
Are you struggling under the weight of a student loan? You’re not alone.
Student loan debt cripples many student loan borrowers, including recent graduates. Many leave college with thousands of dollars in student loans. Even with a steady job, it can be difficult to meet student loan repayment obligations. Others struggle for years in an attempt to manage the student loan debt.
Attorney Chris Bush are committed to helping clients develop a payment plan they can manage. They can also determine if a student loan might cause the debtor "undue hardship." This can be used as an exception to the student loan repayment requirements.
In San Diego, attorney Chris Bush helps clients obtain relief from student loan debt. He has more than 11 years of experience. He is committed to making sure everyone has a chance to obtain student loan debt relief. Contact us for help addressing your student loan concerns.
Students may have received federal student loans or loans from private companies – many students use a combination of both to get through school.
Many students have also turned to parents, grandparents or others to either take out the loan or co-sign for it. Either way, this makes the parent a student loan borrower.
Because so many students have gotten in over their heads with excessive student loan debt, the federal government has developed a whole host of options available to address Federal Student Loans. These types of loans are subject to programs offered by the U.S. Department of Education.
To find out what Federal Student Loans you have, go to the National Student Loan Data System, https://nslds.ed.gov, to get your report. This report contains vital information in evaluating what the next step will be to address your Federal Student Loans. If a student loan is not on this report, chances are the loan is a private student loan.
Once this information is reviewed, Attorney Chris Bush will be able to determine what the best options are.
Private Student Loans are NOT subject to any Federal Student Loan Program. Therefore, they have to be addressed in a completely different manner.
Options for Private Student Loans are very limited, however Debt Doc Attorneys may be able to negotiate favorable terms of repayment. The factors widely vary from lender, servicer, and collection agency. Therefore the results also vary.
If favorable terms cannot be reached, then a Chapter 13 Bankruptcy is an option that can be exercised to force the Private Student Loan lenders to accept an affordable payment.
There is a common misperception that once you take out a student loan, you are obligated to pay it all back no matter what. This is not entirely true. While some student loan debt may not be discharged through bankruptcy, The Law Offices of Chris Bush may have ideas to help you reduce or discharge your debt.
However, it is important to note that the process of discharging student loan debt differs from the process of discharging other types of debt and will require a detailed analysis of the type of student loan as well as the history of the loans.
Student loan debts are not automatically discharged through Chapter 7 bankruptcy. The Chapter 13 bankruptcy process can be used to restructure your student loans into a more manageable monthly payment. Attorney Bush offers comprehensive Chapter 13 bankruptcy solutions to help you set up a payment plan to pay down your debt, including your student loans.
Chapter 13 repayment plan can last for as long as five years. Attorney Bush will develop a feasible plan for you in order that some percentage of all your debt is paid. During the pendency of your case, you will be protected from any and all collection activity; this includes the IRS and any student loan collection agencies or servicers.
Sometimes student loans can be forgiven when the borrower is shown to have endured “undue hardship,” such as:
Debt Doc attorneys are prepared to address all of your questions regarding undue hardship.
Find out more about these related topics:
Contact us by e-mail or call toll free at (619)295-3322 to see if you qualify for the hardship exception, or if reorganizing your payment plan is a better option. A free initial consultation is available with an experienced San Diego student loan debt relief lawyer.
Free Initial Consultation * Available Evening and Weekend Appointments
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.