The Law Office of Judith A. Descalso | Certified Bankruptcy Specialist

Call For A Consultation 760-670-4863

Call For A Consultation: 760-670-4863

Helping With Your Financial Future

A Certified Small Business Bankruptcy Lawyer For Relief In Escondido, California

Financial strain can affect business owners and individuals to the point of filing for bankruptcy. Before making such a decision, it is crucial to work with a small business bankruptcy attorney for help.

Based in Escondido, California, The Law Office of Judith A. Descalso stands apart through the elite status of its attorney, Judith A. Descalso, as a State Bar Certified Bankruptcy Specialist. It is backed by 30-plus years of experience in personal and complex business reorganizations.

Reorganizing And Retaining Control Through Subchapter V Options

The Small Business Reorganization Act is the main path for business continuity. Unlike Chapter 11, owners can preserve operations while stabilizing debt. It allows business owners to:

  • Remain in possession of the business without a creditors’ committee.
  • Reduce legal and administrative costs through the 90-day filing requirement.
  • Experience eligibility for businesses with up to $7.5 million in debt from the 2026 threshold.

We use this structure to help clients maintain stability while planning for long-term recovery.

Protecting Assets Using 2026 California Exemption Strategies

We help clients protect essential income sources and property by applying California exemption laws strategically:

  • Tools of the trade: Protect about $9,525 in essential equipment and $19,050 for married owners under CCP § 704.060.
  • Wildcard strategy: Use $33,650 exemption to protect bank balances, accounts receivable or inventory.

We tailor asset planning to the expectations of trustees in the Southern District of California. These tax considerations help reduce the risk of losing operational assets during filing.

Reducing Personal Liability And Tax Exposure Risks

We address situations in which owners face personal financial exposure related to business obligations. The personal guarantee can extend liability for leases and Small Business Administration (SBA) loans beyond the business entity.

Our attorneys address trust fund payroll tax obligations that may survive filing. Integrated filings combine personal and business cases to support a comprehensive debt resolution path that can provide a 100% debt-free new start.

Start Your Financial Reset Today

We encourage individuals and business owners in Escondido, California, to contact The Law Office of Judith A. Descalso to speak with an attorney who can review their situation and take timely, clear and careful legal action. We remain committed to providing steady legal direction for clients as they work toward financial recovery and business continuity.

Dial 760-670-4863 to speak with a debt relief lawyer about your financial difficulties or initiate communication through our online contact form. Our virtual-first consultation model makes the process less stressful and uniquely modern.