Helping With Your Financial Future

Escondido Bankruptcy Alternatives Lawyer

Any individual who has considered the idea of bankruptcy has questions about the process. You may wonder what the benefits are, how long it takes and whether or not there are alternatives to bankruptcy. If you have questions you need answered by a skilled lawyer, you can turn to our firm.

At The Law Office of Judith A. Descalso, we serve clients throughout Escondido, San Diego and the surrounding cities. We help individuals and small business owners file for Chapter 7 bankruptcy and Chapter 11 bankruptcy reorganization, and we assist with other bankruptcy-related matters such as tax considerations and bankruptcy alternatives.

Our team is led by attorney Judith A. Descalso, a bankruptcy lawyer with more than 25 years of experience. She is certified by the State Bar of California as a bankruptcy specialist. She and our legal staff are committed to helping our clients reach a favorable outcome for their situations. 

Are There Alternatives To Bankruptcy?

Yes, there are alternatives to bankruptcy. These alternatives include debt consolidation, informal settlement with creditors/debt settlements, mortgage modifications or a short sale of real property. There are also some options through estate planning and asset protection.

In order to best assist you with your needs, we will listen to what your goals are, examine your debts and work to develop the most effective strategy to meet your goals. We will address your concerns, answer your questions, address myths about bankruptcy and get you the information you need to make a smart decision. Here are some of the truths about bankruptcy:

  • Bankruptcy is an immediate way to get a fresh start. Other alternatives can often take a long time to take effect.
  • Bankruptcy is often better for your credit score. You can begin to rebuild your credit immediately after the petition is filed.
  • Bankruptcy is much easier than most alternatives. It can often be much more difficult to negotiate an appropriate alternative with creditors. In a bankruptcy, you do not have to deal with creditors negotiating because they will be required to participate in the bankruptcy.

Contact Our San Diego Area Debt Consolidation Attorney

To schedule a complimentary initial consultation with our bankruptcy alternatives attorney in Escondido, please fill out our short online contact form. You can also call our office at 760-670-4863 or 866-497-6196.

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