Chris Bush

Chris Bush

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.

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.

The Corona Virus Pandemic is wreaking havoc on our economy and many who thought they were on firm financial ground are now facing job loss and an uncertain financial future. An unprecedented number of individuals and businesses are expected to turn to the bankruptcy courts for assistance.

I hope that you are safe and healthy and remain so throughout this national crisis.

At this time I am working from home and I remain reachable via phone or text at (619) 678-1134 or via email at This email address is being protected from spambots. You need JavaScript enabled to view it..

I will be happy to answer calls about any questions, but I ask first that you check my post at I will keep that page updated as much as possible with news updates and frequently asked questions.


This post will be updated as frequently as possible with the latest news. You can receive notice when this page is updated by registering with one of the services described here, keep an eye on our Facebook page. We are posting links for available relief from COVID-19 related financial stress and hardships.

I have received many inquiries in the last few days regarding the financial ramifications of the present emergency. I will try to answer the most common questions here, but please feel free to contact me via email or the contact link on this site if you have specific questions. I will do my best to respond as quickly as possible.

For the foreseeable future my office will remain open and I will continue to process cases and assist clients. In order to maintain social distance, meetings will be conducted over the phone and via videoconferencing whenever possible.

In her January 7, 2020 ruling, Chief Bankruptcy Judge Celelia Morris discharged $221,385.49 in student loan debt for Navy veteran and lawyer Kevin Rosenberg under chapter 7 bankruptcy. Not surprisingly, Educational Credit Management Corporation (ECMC) — a nonprofit that guarantees and services student loans on behalf of the Department of Education (ED) — is challenging the decision.

Recently in New York, Chief Bankruptcy Judge Cecelia Morris discharged more than $220,000 in student loans for a borrower. In her ruling she criticized the fact that many lawyers "believe it impossible to discharge student loans." She stated, "This Court will not participate in perpetuating these myths."

That’s the message that watchdog Mike Calhoun is shouting around the country. In a recent NPR article Chris Arnold reports how Calhoun is trying to get lawmakers to listen just like he did back when he recognized the recklessness of the subprime mortgage market. Back then he projected over 2 million subprime mortgage foreclosures but was ridiculed by the industry. The cost of ignoring his warning was waves of defaults and foreclosures that propelled the country into the worst recession in generations. Now Calhoun is focused on the Student Loan Crisis.

The National Consumer Law Center recently published a report on state exemption laws titled Still No Fresh Start in 2019: How States Still Let Debt Collectors Push Families into Poverty. After surveying all 50 states, they concluded that none of these jurisdictions have adequate laws in place to protect debtors.

Improving Accessibility to the Protection Offered by Bankruptcy

President Donald Trump signed three bills on Friday, August 25, 2019 that are designed to assist veterans, small business and family farmers during and after bankruptcy proceedings. When the bills passed in the U.S. Senate, ABI Executive Director Samuel J. Gerdano summed up the bills as a modernization of the Bankruptcy Code.

Once you receive an email from attorney Chris Bush at DebtDoc announcing that your bankruptcy case has been filed, you must follow the procedures outlined here to ensure that you prepare and satisfy all the legal requirements for the bankruptcy procedure and ultimate discharge of your qualified debt.

The “Meeting of Creditors” is a mandatory appearance you must make on the date supplied to you by attorney Chris Bush. The location of this meeting is in room 1234 of the Edward J. Schwartz Federal Office Building. A map and directions can be found at this link. Your attorney, Chris Bush, will want to meet with you for a few minutes before this meeting to go over the Meeting of Creditors Questionnaire and answer any questions you may have. Please allow plenty of time to get there - allow time for traffic, finding parking, and getting through security. You can expect the follow steps at this meeting:

Step 1: You Must Bring an Acceptable Form of ID

You must have a valid government-issued photo ID and acceptable proof of your Social Security Number when you arrive at the security desk.

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Auto Loan Delinquency Rising

Late Car Payments?

The number of people 90 days late in car payments approaching peak levels since the subprime crisis of 2010.

If you’re late on your car payments, come in for a Chapter 13 consultation!

Compassionate. No-nonsense. Great job. Saved me $85K!

I had three choices: two large groups, or DebtDoc. I chose DebtDoc because of their numerous excellent reviews from clients as well as other attorneys. Also, I wanted someone to provide personal service and have a vested interest in my difficult student loan case.

I certainly made the right choice. DebtDoc's attorneys personally answered two of my phone calls and regularly answered my emails, even on one Sunday evening.

After 30 years of student loan "prison", he got me freedom AND he even got the US Dept. of Justice to dismiss 25% of my loans, which saved me $85K.

I feel like I have a new lease on life because of DebtDoc. I wish I could recommend 10 stars.

Client Testimonial

To whom it may concern,
DebtDoc's attorneys are extremely knowledgeable with the complexities of Federal Student Loans.
I went from a thriving career to full medical disability, ending with an SSDI placement. Unfortunately, I lost everything and became unable to continue making the student loan payments, so it was in deferment for over five years. When the SSDI settled I tried to negotiate an affordable payment plan with the loan holders but they refused my efforts, instead demanding over twice the amount I could afford.
I contacted DebtDoc and found them to be courteous, responsive and quick to assess my situation. They were sure they could help and took time to answer all questions, which relieved much anxiety. Within months they successfully resolved the debt! With much confidence, I highly recommend DebtDoc.

Clients with Student Loan Debt

Clients with Student Loans

Some information I need to evaluate your Student Loan options is contained in your National Student Loan Data System Report. Instructions for obtaining this report are available on my web site at Simply print/save the reports as a PDF, of all pages. Please DO NOT "DOWNLOAD" THE REPORT from the link - this creates a text file that is very difficult to read; please print the web page as a PDF file - the summary page of all loans AND the individual reports for each loan. Samples of these pages can be viewed by clicking the respective links in the previous sentence. I look forward to reviewing this report with you and assisting you with the management of your Student Loan debt.

I have prepared a brief questionnaire for you to fill out to provide me most of the information I will need. Please click this questionnaire link and provide me with the information listed. I would also like to see copies of your most recent pay stubs or other income information.

My office is located at 2727 Camino Del Rio South, Suite 135, San Diego, CA 92108. The main entrance to the building is on the right/west side. I am on the first floor; when you enter the building, turn right and I’m in the suite at the second door on the left. If the suite door is locked, please call or text at 619-678-1134 and I will let you in. (Unfortunately, I usually can’t hear a knock at that door.) I look forward to meeting with you and assisting you on your path back to financial freedom.