Foreclosure

Chapter 7 Bankruptcy and Foreclosure Attorneys in San Diego

Experienced Bankruptcy Lawyers Ready to Help

Even in the midst of the greatest financial troubles, as recession looms like an approaching storm, and salaries decrease or disappear as the economy plunges, there is one thing most Americans usually consider their safe haven – their home. Yet even your house can be stripped away from you if you are falling behind on steep mortgage payments. Despite the fact that many people are suffering from circumstances entirely out of their hands, mortgage companies can use this as an opportunity to foreclose your house. Not only is the thought of you and your family being turned out of your home a terrifying scene, but being forced to foreclose your house can lose so much money in the sale process that you have nothing left to afford another home.

When disaster is pending, you must turn immediately to our foreclosure lawyers in San Diego. At the Debt Relief Legal Clinic, we are determined to support you and your home’s safety. Particularly through filing for bankruptcy, you can halt mortgage creditors in their track. You can rely on our certified bankruptcy lawyers, who are dedicated to helping you save your house.

Call us today at (619) 639-9228 to receive personalized attention as we plan how to rescue your house from foreclosure.

Bankruptcy: Your Legal Shield Against Home Foreclosure

One of the best ways to immediately bring foreclosure to a screeching halt is by applying for bankruptcy. This choice is especially advised if your sale of foreclosure is supposed to be scheduled within the next few days, on account of your ability to get an automatic stay.

The benefit of an automatic stay is that it instantly stops foreclosure the moment you apply for bankruptcy.

It does not matter that a judge has not yet confirmed a status of success for your application since the automatic stay must go into effect immediately. This stay prevents mortgage companies from trying to foreclose your home, or even from continuously harassing you to pay back your debt. While you are in the state of having an automatic stay, you use those several months to begin coming up with plans for rearranging your mortgage payments and paying them back.

Chapter 13 Bankruptcy: A Strategy to Save Your San Diego Home

During your automatic stay, you can figure out ways to preserve your house using Chapter 13 bankruptcy, which is one of the most helpful methods of restructuring mortgage debts.

Some of the benefits of using Chapter 13 include:

  • Repaying debts over an extended period of time of three to five years, rather than immediately, which will help you avoid scenarios where you suddenly have nothing in the bank
  • Paying smaller amounts each month, which will allow you to be more organized in keeping track of your payments, and ensure there are always funds left over for other crucial expenses
  • Having to only pay a portion of your unsecured debts (which sometimes become completely discharged anyways)
  • Potentially not needing to pay for second or third mortgages, which are considered to be examples of unsecured debts

San Diego Foreclosure Defense: Protecting Your Home with Legal Support

You do not want to defend against the foreclosure process alone, as the process can be complex and confusing. When your home is at stake, you want to make sure that you have an experienced San Diego foreclosure lawyer who can help you navigate the process.

A foreclosure attorney can help you by:

  • Explaining the options available to help save your home
  • Assisting with the bankruptcy process, loan modification, and other options you are pursuing
  • Representing you during mediation and hearings to help ensure you can reach a fair solution
  • Protecting your rights by ensuring the lender does not treat you unfairly

The bottom line is an attorney understands the laws and the various effective foreclosure defense strategies available to homeowners. Don't hesitate to contact a San Diego foreclosure attorney as soon as possible so you can get started on protecting your home.

Act Now: Prevent Foreclosure in San Diego with Chapter 13 Bankruptcy

Fighting foreclosure through Chapter 13 bankruptcy is an excellent option with multiple benefits, but the longer you delay in starting your application, the more complicated the process will be. You should immediately contact our foreclosure attorneys in San Diego the moment it seems you are in danger of foreclosure.

Contact us now at (619) 639-9228 so that Debt Relief Legal Clinic can help you rescue your home from foreclosure as soon as possible. Request a free consultation today to discuss your situation with us.

Why Choose Debt Relief Legal Clinic?

  • Certified Bankruptcy Specialist
    Attorney John C. Colwell has been recognized by the State Bar of California as one of 12 certified legal specialists in San Diego County for Bankruptcy Law.
  • Experienced
    Our attorney has over 35 years of experience and has dedicated the firm to consumer bankruptcy.
  • Bilingual
    Our legal team is bilingual and serve our clients in English and Spanish.
  • Immediate Past President of NACBA
    John C. Colwell has been a member of NACBA for 25 years and is the Immediate Past President.
  • Personal Approach
    We are a family-oriented business, committed to helping you get relief from debt.
  • Affordable

    We offer free consultations and take online payments for your convenience.

Contact Us Today

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Hear From Our Happy Clients

At Debt Relief Legal Clinic, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

    “We were nervous about the whole process but they put us at ease.”
    Dan and the DRLC staff are very friendly, efficient, and professional. They helped us with our chapter 7 in a quick and almost painless manner. We were nervous about the whole process but they put us at ease. I highly recommend them.
    - Jerry Q.
    “He was very helpful in explaining the difference between my options”
    Daniel Wiedecker was extremely helpful. I had a unique situation in that I had two choices at the time of my appointment. One choice would cost me some legal fees the other choice none. He was very helpful in explaining the difference between my options. I will return to utilize his services when my situation changes.
    - Steve M.
    “John and his team DELIVERED!”
    John and his team provide top tier services with a price point that will not set you back. The value is unmatched. I knew I found the right place after my first Zoom meeting with John. After dealing with different attorneys in different arenas, I was a skeptic before meeting John face to face. After our initial meeting all my fears were gone. John is very down to earth and very easy to talk to. I did not sense the slightest hint of ego or intimidation that I have seen with other attorneys. John and his team DELIVERED! I felt that with the guidance and information given to me by this company that I had full confidence in this solution to my challenges. Not only did i have confidence in Johns knowledge of his profession, I had full confidence that all of Johns team were there to support me with any questions or concerns. I feel a thousand pounds lighter after this experience with DRLC and i would send my closest friends and family in their direction if ever the situation arose.
    - Matthew B.
    “I wish I could give him more than 5 stars.”
    John Colwell is a great attorney. I had a difficult case but he was able to get it done. This has changed my life. I wish I could give him more than 5 stars.
    - Terry D.
    “He basically held our hands throughout the whole process and made it much less stressful for us.”
    Mr. Colwell is an excellent attorney.  Thanks to him, my husband and I have a new start without being mired in credit card debt.  He basically held our hands throughout the whole process and made it much less stressful for us. Thank you, Mr. Colwell!
    - Chris A.
    “It is truly a "bankruptcy miracle", and you can have one, too. I can't say enough about DRLC!”
    Unfortunately, I had to file BK 13; but luckily, I found Debt Relief Legal Clinic. It was recommended by a friend who was worried about me because I originally filed pro se (without an attorney). I can't even imagine what would have happened if I had continued pro se. (Well, actually I do know: the case would've been dismissed immediately, and I would've been screwed) But the brilliance of this team has kept my case alive for over a year now, and I can't thank them enough! It is truly a "bankruptcy miracle", and you can have one, too. I can't say enough about DRLC, but let me put it simply, You're CRAZY if you use anyone else or represent yourself! ;)
    - Nadine B.
    “We went to DRLC and from start to finish they were our rock. They made everything seem so easy and go so smoothly.”
    Last year after my husband lost his job and we found ourselves in a bit of a financial mess. We went to DRLC and from start to finish they were our rock. They made everything seem so easy and go so smoothly. From the ladies in the office to the lawyers in the back, a special shout out to Daniel Weidecker. He was there for us, went to bat for us when there was a complication and the end result was handled exactly as they said. So if you find yourself needing to get out of debt don't hesitate and call DRLC, they are amazing.
    - Denice M.
    “Even better, he seems to honestly care about the law he practices, and the people that these laws affect.”
    I can only give a review of the half-hour I spent with Mr. Colwell, but it was a half-hour very well spent. He seems like a stand-up guy with a lot of integrity. I went into his office fully expecting to be filing bankruptcy, but instead, he talked me out of it. I was prepared to defend a hard sell, and I didn't get that at all, it was a relaxed conversation, like two people chatting over a beer. It's obvious he knows what he's talking about and is able to put the law into language that even a layperson like me can understand. Even better, he seems to honestly care about the law he practices, and the people that these laws affect. While his services weren't right for my situation, I will definitely be recommending him to anyone who might end up needing a bankruptcy lawyer.
    - Jeffrey B.
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