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Bankruptcy

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Yes, the bankruptcy laws have changed

But bankruptcy may still be an option for you.

It's more important than ever that you talk with an experienced bankruptcy attorney to determine if bankruptcy is an option for you. If you're feeling overwhelmed by debt, talk to a debt relief specialist at the law office of Jackie Robert Geller. We work with individuals and business owners in the San Diego area who are seeking debt relief through Chapter 7 and Chapter 13 bankruptcy.

Chapter 7 Bankruptcy

The new bankruptcy law has put additional restrictions on who can apply under Chapter 7, but there are still many instances when Chapter 7 is available and is the best option. Chapter 7 bankruptcy is for people who will likely never have the ability to pay back their debt under a restructuring plan like Chapter 13. Contact our office to see if you qualify for Chapter 7 debt relief under the new bankruptcy law.

Chapter 7 bankruptcy stops creditor harassment, stops foreclosure on property, and eliminates credit card debt and medical bills. When our San Diego Chapter 7 bankruptcy lawyer files a petition in bankruptcy court on your behalf, the court will immediately issue a stay to prevent all collection proceedings, including the seizure of your property. Your assets are now under the court's protection.

A trustee will be appointed by the court to look after the interests of your creditors. The trustee will review the facts of your case and will sell certain of your assets and distribute that money to your creditors. After bankruptcy liquidation, the court will sign an order discharging your debts. From that point forward, those creditors will not be able to contact you further. Contact our San Diego Chapter 7 bankruptcy lawyer to begin your journey toward financial stability.

Chapter 13 Bankruptcy

Chapter 13 debt reorganization is a good strategy for people who experienced a temporary reduction or loss of income, who now want to pay back their debt, and who can do so, given time. Chapter 13 debt reorganization gives you breathing room by:

• Stopping creditor harassment
• Stopping bank foreclosure due to late or missed payments
• Reducing your overall unsecured debt through negotiations with creditors
• Extending the time you have to make payments so your payment amounts are lowered
• Reducing your interest rates on credit cards to 0%
• Stopping the accumulation of late fees on credit cards and your mortgage

Small Business Owner Bankruptcy

At the law office of Jackie Robert Geller, we've worked with small business owners and franchise owners in retail businesses, food services, and personal fitness (among others) who have gotten behind on their rent and cannot pay their vendors. Let us help you negotiate with your creditors and represent you at the IRS, if you have fallen behind on tax payments. We help sole proprietors file for personal bankruptcy so they can get back on their feet. Contact our office to talk to a business law attorney with the tax knowledge you need.

We are a debt relief agency.
We help people file for bankruptcy relief under the Bankruptcy Code.

The law office of Jackie Robert Geller serves the residents and businesses of San Diego County, and the Southern California communities of San Diego, La Jolla, Del Mar, University City, UTC, Clairemont, Sorrento Valley, Mira Mesa, Sorrento Mesa, Scripps Ranch, Carmel Valley, Oceanside, Carlsbad, Vista, San Marcos, Escondido, Encinitas, Poway, Santee, Chula Vista, El Cajon, Lemon Grove, Coronado, and Imperial Beach.