The Second Chance You Deserve
At the Law office of attorney Judith A. Descalso in Escondido, California, we focus on the following areas of bankruptcy practice.
Chapter 7 Bankruptcy - You may think that the option of Chapter 7 bankruptcy disappeared in 2005 when new laws were enacted. That all too common misconception prevents many individuals from filing. Do not let that myth prevent you from contacting us. There are more steps to take in the process, but Chapter 7 remains as a viable option for most clients who seek that type of legal protection.
Chapter 11 Bankruptcy - At the law office of Judith A. Descalso, we help businesses with Chapter 11 bankruptcy. Individuals with significant secured debts who may not qualify for Chapter 13 may need protection under Chapter 11 as well. We will help you get through this complicated process and educate you on your post-filing future.
Do not let bankruptcy myths prevent you from filing Chapter 7 or Chapter 11 bankruptcy. Contact us at (760) 670-4863 or toll-free at (866) 497-6196.
Mortgage Foreclosure - A bankruptcy filing will not trigger a mortgage foreclosure, nor will it accelerate an existing foreclosure. Contrary to what you might believe, you may be able to keep your house if you still make the payments. We will help you weigh the pros and cons of such a decision, but the option exists.
Car Repossession - Similar to your mortgage, you may be able to keep the family car. However, you must continue to make payments, even while you are in Chapter 7 bankruptcy. The filing stops repossession action, but for only a short time. You do have the option of a fresh start and second chance without losing your car.
Protecting IRA's and 401K's - Based on various factors, you can protect ERISA-qualified 401k plans. IRA's can be exempted as well, based on what you need to support your family and your inability to rebuild an asset of that value. We will educate you on your options and work hard to protect the hard-earned money you saved for the future.
Contact Us
For more information or to schedule an appointment with an experienced bankruptcy lawyer, please contact us.
