Bankruptcy Chapter 7

El Cajon

 Attorney Casey

 

619- 447-6780

 

MOBILE PHONE CLICK HERE

 

365 Broadway, #203, El Cajon CA, 92021 DIRECTIONS

 

 

Free Bankruptcy Consultation 

No need to go downtown San Diego for an experienced  bankruptcy attorney!

(619) 447-6780   Bankruptcy Chapter 7 El Cajon .com

Bankruptcy Chapter 7 El Cajon, Chapter 7 Attorney El Cajon

El Cajon Chapter 7 Attorneys . com

Find experience El Cajon chapter 7 attorneys without having to go downtown San Diego. Attorney Casey been in El Cajon over  22 years and only represent debtors.

.

Debt relief bankruptcy attorneys Casey representing clients in great San Diego Metro, El Cajon, San Diego, La mesa, Lemon Grove, Santee, Lakeside, Spring Valley.

 

El Cajon Chapter 7 Attorneys| Consumer Bankruptcy Attorneys

Serving The Entire El Cajon Area

 Map to Bankruptcy Attorney Casey Law office - Click here

 Law office location: 365 Broadway, Suite 203,  El Cajon, California  

 

Bankruptcy Attorney David A. Casey

IS Lawyer.com Verified

 

(619) 447-6780

                 Free Bankruptcy Consultation in El Cajon

  My office is just minutes away- Free parking and next to two major freeways

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

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Bankruptcy Attorneys In El Cajon | Chapter 7 & 13 El Cajon BankruptcyBankruptcy Chapter 7 Attorneys| Chapter 7 San Diego, El CajonSan Diego Chapter 7 Attorneys

For over 22 plus years I have given personal service to my clients in El Cajon, La Mesa, Santee, Lakeside, San Diego and clients throughout San Diego County.  When you come into my law office you will not be treated like a number. We are honest and upfront about bankruptcy fees and costs.  The bankruptcy  court has to approve of the fees as being reasonable.  Pre-bankruptcy payment plans are available.  You'll get personal bankruptcy debt relief with my professional legal representation. Filing bankruptcy is not an easy choice but not filing when you don't have enough money to pay your debts is probably a  bad choice that leads to more problems, more harassment and calls by the creditors.

Your  lifestyle is not supposed to include struggling to make ends meet or being overburdened with debt. Certainly you did not bargain for constant calls from creditors making demands that are not realistic and charging outrageous rates. Bankruptcy laws are here to help individuals and families like yours.

Welcome to the first day of the rest of your life – a life that could be free of debt – a second chance at financial freedom. Both Chapter 7 and Chapter 13 can give you that fresh start. My bankruptcy law office is not too far from downtown San Diego plus there is free parking so you don’t have to fight the downtown traffic.

In today’s economy, more and more families struggle to meet their day-to-day financial needs. This has placed an enormous strain on you, your family and your lifestyle.  People just like you will seek the protection and debt relief afforded under the bankruptcy laws.  Just In San Diego County alone, it is estimated there will be about 26,000 filings for bankruptcy this year.    We all know that life sometimes throws us curves that we never could have imagined.   For some,  it was a change of events that lead them to file bankruptcy.  The bankruptcy laws have been designed to help people address their financial difficulties in an honest, straightforward manner. 

My clients come from all walks of life. Many were living the American dream  with a beautiful house and a steady job. They could never have predicted the financial instability that required them to seek guidance from a bankruptcy lawyer. Over the past 22 years I have been an attorney in El Cajon helping people just like you.  My bankruptcy law office is not a bankruptcy mill.  I handle your case and my office will not just file an action then charge you to fix it if there are problems.   Acquiring all the information needed to prepare for bankruptcy may seem like an overwhelming task in additional to the stress from the debt you already are experiencing, but my office will guide you to make the process smooth.   So stop struggling to pay your bills each and every month.  Most have waited far too long to get  that fresh start just hoping that things will change.  

If you are experiencing financial difficulties, you do not have to work through them alone. For most who are in debt or having creditors calling, bankruptcy is the best plan of action.  My name is David Casey. My office is in El Cajon,Bankruptcy Chapter 7 Attorneys| Chapter 7 San Diego, El Cajon California and I represent clients throughout San Diego East County.  My practice concentrates in the areas of consumer bankruptcy and individuals who have consumer debt.  My office also handles bankruptcy for individuals who have their own business and need the protection of the bankruptcy laws.

My office provides services for debt liquidation in a Chapter 7,  including discharges for foreclosed homes, repossessions and bankruptcy CAN STOP wage garnishments in most cases.  Creditor's calls will stop!   My office also provides bankruptcy services for Chapter 13 filings which may include lien stripping of your second lien on your real property.  This could save you  thousands of dollars.  . I am here to apply the bankruptcy laws to get you the best bankruptcy results possible. I will got to bat for you.  I will ask the right questions during our pre-bankruptcy and determine if filing for bankruptcy is the right option for you,  what your best bankruptcy options are, and which chapter best fits your financial goals.  

Let’s be honest.  I know you do not want to be in this situation.  The last thing that you want to do is feel like you are giving up.  You're not!  You will get a fresh start!  End the stress that affects your loved ones.  Consult with a bankruptcy lawyer.  Since you are here at this website, and even if you believe that you have everything under control, I invite you to  look at the following list to see if any of these apply to you.

There is too much month left at the end of your money, and each month you need to purchase necessities with a credit card. You are afraid to answer your telephone, even if you have Caller ID, or you dread opening your mail each day. You are at the maximum limit on your credit cards and can barely make the minimum payments each month.  Credit card companies limit your credit and increase your interest rate.

  • You are borrowing from one credit card to make your minimum payments on other cards.

  • You are borrowing from your retirement benefits to make payments on your credit cards.

  • You are living paycheck to paycheck or with the fear that if either you or your spouse lost your job, you will be in financial hot water.

  • You have applied for a debt consolidation loan, and have been turned down.

  • You have signed up with a debt consolidation company, and cannot make the required minimum monthly payment.

  • You are constantly fighting with your spouse over money matters

  • Your bills are weighing on your mind to the point where you are constantly anxious, and it is now affecting your ability to sleep soundly or to perform your function day-to-day tasks normally.

    If you answered yes to any of the above items, and you are still reading this, you should be applauded.  You have just read  a list of some of the telltale signs that you may want to consider bankruptcy.

    You are here because you wish to take a positive step to regain control of your financial situation and plan for the future. You are acknowledging that a problem may exist and you are looking at alternatives to take action to address it.

    The filing of a bankruptcy petition can help you stop adverse creditor actions  

    We also provide a pre-bankruptcy service which fees are applied towards your bankruptcy case should you decide to file.  This helps to reduce potential bankruptcy problems and to lower the risk of having your case discharged.  With the pre-bankruptcy review you'll know what  debt relief you are entitled to.  I personally will discuss your bankruptcy case with you before filing your petition.   As a bankruptcy attorney I am here to get you the best debt relief available to you based on the facts you provide my office.

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

    El Cajon Chapter 7 Attorney, Chapter 7 Lawyer El Cajon.

    (619) 447-6780

     Free Bankruptcy Consultation with Bankruptcy Attorney Casey

    You know that your money problems are not going to go away on their own.  Even if you had the income to make monthly payments with the compounding high interest rate creditors are charging, plus additional fees, your debts may even increase rather than decrease.  All of this is overwhelming.  You just keep working hard and never get ahead.

     

    With a Chapter 7 bankruptcy you can make most unsecured debts go away and most of secured debts too. The longer you wait the more  problems you will have such as wage garnishments, law suits, liens and maybe even a big tax liability.   The money issues of being in debt adds substantial stress to you and your family.

     

    If you are over your head in debts, bankruptcy is one of the best options available to discharge all of your unsecured debts.  Many bankruptcy laws are designed to help people like you.  Creditor's calls and harassment can be stopped when you file your petition even if you have a judgment against you or wage garnishment, however, most child support  obligations and student loan obligations can not.

     

    Filing Chapter 7 bankruptcy or any bankruptcy is a major and important decision. The reason you are reading this web site is that you know you need help. For many, you have tried everything else and you realize that you are just postponing your financial problems.  Chapter 7 bankruptcy helps to give you a fresh start.  I receive  many "thank you" calls after the completion of a bankruptcy case.  It is great to know that I was able to effectively assist them in getting that new start to financial freedom.   Your ability to get credit after filing bankruptcy may even improve! It is not uncommon to get two or three offers for credit after the discharge even from the same card companies who were not willing to work with the debtor before bankruptcy.  For most who are over their head in debt, bankruptcy improves their ability to get credit.

     

    When you come into my office the first thing you will notice is that it is a small professional law office that provides  individual debt relief service. We also provide a pre- bankruptcy review which will provide you with the information you need to make the decision to proceed to file for bankruptcy.  Unfortunately, there are bankruptcy mills out there who just take your information and prepare the documents, then file it.   You may not even see the attorney or representative until the Meeting of the Creditors or maybe not at all.  Since there were no documents provided or verification process, the trustee could bring a motion to dismiss your bankruptcy due to not following the procedures,  not providing documentation, non-appearance or many other problems that may occur.    For a bankruptcy mill this is good news since they can now charge you more money to handle  the problems which may not have occurred had they done it right in the first place.   Why risk getting your bankruptcy dismissed?  I will provide you with the time necessary to ensure that the chapter 7 bankruptcy process is managed in an effective manner.  You will be advised and provided guidance when needed at every step in the bankruptcy process.

    Bankruptcy Attorneys In El Cajon | Chapter 7 & 13 El Cajon Bankruptcy

    Attorney Casey's philosophy is to treat every client with respect as we would expect to be treated if there was a change of events that affected our lives.  The purpose of chapter 7 or 13 bankruptcy is to seek relief from your financial hardship, stop foreclosures,  and put a stop to unreasonable creditors pursuant to the bankruptcy laws.

  • El Cajon Chapter 7 Attorneys, Chapter 7 Lawyers El Cajon

    The Law Office of David A. Casey provides personal service to clients who need debt relief with professional legal representation for bankruptcy in El Cajon at a reasonable rate.  Filing for Bankruptcy is a major and important decision that will affect you financially.  Attorney Casey's bankruptcy office provides you with the time necessary to ensure that the bankruptcy process is done properly.  You will be advised and provided guidance at every step in the bankruptcy process.  Attorney Casey's philosophy regarding bankruptcy is to treat every client with respect as we would expect to be treated if there was a change of events that affected our lives.  The purpose of bankruptcy is to seek relief from your financial hardship, stop foreclosures,  and put a stop to unreasonable creditors pursuant to the bankruptcy laws.

    El Cajon Chapter 7 Attorneys| Chapter 7 Bankruptcy Attorneys El Cajon

    In the last couple of years, bankruptcy filings have increased well over 30%. The primary reason for filing personal bankruptcy is an unforeseen financial down turn, loss of savings and unable to borrow funds at a reasonable rate. Many have over time had medical expenses, excessive credit card debt, loss of employment, death of a family member and divorce. Credit Card Companies do not provide any relief no matter what your circumstances may be.  In fact, your fees compound with higher minimum payments, increased APRs and high penalties.    

    El Cajon Chapter 7 Attorneys, Chapter 7 Lawyers El Cajon

      David Casey, Attorney  

    Law Office : 365 Broadway, Suite 203 

    El Cajon, 92021 California

    (619) 447-6780 

     

    Let the Bankruptcy Laws Work For You In El Cajon.

    El Cajon Bankruptcy Attorney. Chapter 7, Chapter 13 Bankruptcy

    You don't have to travel to downtown San Diego to get a experience bankruptcy attorney.  My office have permission of the bankruptcy court to file documents electronically. This saves us time and you money! 

    Stop Creditors!  Get your life back!

    Stop the Credit Card Calls immediately!

    Stop Foreclosure

     Stop Foreclosure - file bankruptcy San Diego Attorney

    Bankruptcy Chapter 7 El Cajon, Chapter 7 Attorney El Cajon CA

    Call For Debt Relief Today!

    (Note: This web site is for general information on bankruptcy - there is no inference that the Law Office of David Casey represents you in any way until a retainer and fee agreement is signed by you and attorney).  Any documents drafted without  coming into the law office or via the internet is considered in "Pro Per" and is solely based on your representation of the information you provide.  Attorney Casey has been practicing law since 1989 and has assisted individuals, couples and businesses with their bankruptcy needs.

    Bankruptcy Chapter 7 El Cajon, Chapter 7 Attorney El Cajon

    Over the past few years, bankruptcy filings in the United States have increased nearly thirty percent.  Unfortunately, with the down turn in the economy, there are more filings for relief every day.  Despite changes to bankruptcy laws, bankruptcy still remains a useful  tool for preserving assets while eliminating bad debts. Our Bankruptcy clients understand that just like trusts or other estate planning tools, bankruptcy is a legal right that is available to help you you.  Bankruptcy may be the most powerful way to protect your family’s financial health and to STOP CREDITORS harassing you and your family.  Too many lives and especially marriages are hurt due to unresolved financial matters.   The Law Office of David A. Casey wants to help you and your family eliminate overwhelming financial stress and enable you to get the fresh start you need in order to flourish and to enjoy life again. Depending on your situation, a Chapter 7 or Chapter 13 bankruptcy filing may bring the relief you have been seeking.

    Let the Bankruptcy laws work for you!

    Stop Creditor's calls immediately through Bankruptcy!

    Stop or Delay Foreclosures!

    Chapter 13 and Chapter 7 Bankruptcy

    Bankruptcy El Cajon Bankruptcy Attorney. Chapter 7, Chapter 13

                    can give you a fresh start.

    Bankruptcy can help relieve the stress caused from your financial problems.    

                     Call today for a Free Phone Consultation! 

    YOU ARE NOT ALONE IN FILING BANKRUPTCY

    More debtors had to file bankruptcy in the wake of unemployment, large medical bills and the overall problems with the economy.   

    • Consumer bankruptcy filings been on the rise for the last couple of years.. There were about 1.4 Million bankruptcy last year. So as you can see you are not alone.
    • Chapter 7 accounted for 64 percent. and chapter 13 about 30 percent. The rest are other chapter bankruptcies. .

         Consumer Bankruptcy Attorney in the El Cajon area.

    Call  Attorney  David A. Casey

    (619) 447-6780

    Take The First Step to Getting

    Your Debt Relief Started!

     Call Today!

    Bankruptcy Chapter 7 Attorneys| Chapter 7 El Cajon, El Cajon

    Call For Debt Relief Today!

    Buying a home or getting a new credit card after bankruptcy?

    YOU  MAY HAVE HEARD HORROR STORIES FROM CREDITORS that if you file bankruptcy you will not be able to get credit or you will not be able to buy a home.

    The credit card companies or home loan lenders must determine whether or not to lend to a person after filing bankruptcy.  What the banks consider when determining your risk factor is your current status. As for a home, the most important factor that they will consider is your current debt to income ratio, in other words, how much outstanding debt you have relative to your income coming in.  If you are thinking about bankruptcy most likely you have a very high amount of outstanding loans or high credit card consumer accounts and probably would not qualify for a loan. They want to make sure your mortgage payment is no greater than 30% of your gross monthly income. So let’s put this in perspective, right now, calculate how much income compared to your monthly debt payments.

    After filing bankruptcy you have no outstanding debt and cannot file for another eight years. In fact, you look like a much better candidate for credit card companies after filing bankruptcy. You even have the money to pay the credit card amount each month without any interest charges.

    Thinking about buying a home after Chapter 7 bankruptcy? Studies indicate that around 90% of individuals receive solicitation from a lender actually indicating that they knew they had filed bankruptcy. So remember, credit is your ability to borrow money, and that may actually improve after filing bankruptcy. Certainly it will improve if you can put money aside to pay your bills, on time, after the bankruptcy and probably to put some money into a savings account.  Bankruptcy is a right granted under the federal law to protect and to help people with serious financial hardships. 

    Common Questions and Answers About Bankruptcy - Click here

    San Diego Chapter 7 Attorneys, Chapter 7 Lawyers San Diego

    El Cajon Chapter 7 Attorneys, Chapter 7 Lawyers El Cajon

    No matter if your bankruptcy needs are simple or very complex,  my office is here to assist you.  The positive benefits of bankruptcy law can help.  Bankruptcy is like taking some medication for an infection. If you don't take it things will get worse.   You're welcome to contact other attorneys and to find one that you are comfortable with.   Don't just retain an attorney on fees.  Check what you are getting.  Don't be another number.

    This web site is intended for general information only and does make any inference that this constitutes a retainer for my services or that I  represent you.

    This communication is an “Advertisement” as defined by the California Rules of Professional Conduct and California Business and Professions Code. No communication herein shall create an attorney-client relationship unless a separate retainer agreement is signed by an attorney and client. This material is for informational purposes only and not intended to provide legal counsel or legal advice to you.

    The Bankruptcy and Family Law Office of David A Casey represents individuals and businesses seeking Bankruptcy relief. We are a debt relief agency. We help people file for relief under the Bankruptcy Code.

    El Cajon Bankruptcy Lawyer for Debtors in  Chapter 7, Chapter13 Bankruptcy

    San Diego Chapter 7 Attorneys, Chapter 7 Lawyers San Diego

     

    Looking for a Bankruptcy Lawyer in or near El Cajon?  No need to go to San Diego for an BK attorney.  My office is located next to two major freeways in El Cajon. I'm only minutes away from: all of El Cajon and minutes away for  La Mesa, Lemon Grove, Lakeside, Alpine, San Diego Rancho San Diego, Santee, Spring Valley, Chula Vista. For an experience bankruptcy attorney call Attorney Casey in  San Diego East County. My office also has an on-site pubic notary when needed.  
    Cities : San Diego 92019, 
    Santee 92071 92072 , El Cajon 92019 92020 92021 92022 ,  Lakeside 92040 La Mesa 91941 91942 91943 91944, Jamul 91935, Alpine 91901, Spring Valley 91976 91977 91978 , Potrero 91963, Lemon Grove 91945, Campo 91906 , Bonita 91902, Mission Valley  92108,  San Carlos  92119 92120 San Diego 92109 - 92118,
    La Jolla 92037 92038 92039 Pacific Beach, Tierrasanta, Pt Loma, Kearny Mesa, University City, Mira Mesa,  Ocean Beach, Bonsal, Jacumba, Julian, Descanso,  Vista, Chula Vista, Linda Vista, Serra Mesa, Rancho Bernardo,  National City, Clairemont. If you don't see your city just give me a call.
    Call (619)  447-6780 

    Talk to a Bankruptcy Attorney, El Cajon, CA

    Talk to a Bankruptcy Attorney, El Cajon  CA

    Area of Service :Alpine 91901 Bonita 91902  Chula Vista 91909-91915 - 91921 Coronado 92118, 92178  Del Mar  92014 Dulzura 91917  El Cajon 92019-92020, 92021 92022 - 92090  Escondido 92025-92027 - 92029-92030 - 92033, 92046  Imperial Beach 91932-91933  Jacumba 91934 Jamul 91935  Julian 92030 La Jolla 92037-92039  - 92092-92093 La Mesa 91941 92942 92943 91944  Lakeside 92040  Lemon Grove 91945-91946  MCAS Miramar 92145  Oceanside 92049, 92051-92052 - 92054-92058 Pacific Beach 92109 Pala 92059 Pine Valley 91962 , 91990  Ramona 92065  Rancho Bernardo 92128  Rancho Santa Fe 92067, 92091  San Diego (city) 92101-92124 - 92126-92140 - 92142, 92143 - 92145, 92147  - 92149, 92150  - 92152-92155  - 92158-92179  - 92182, 92184  - 92186, 92187  - 92190 - 92199  Santee 92071 -  92072 Solana Beach 92075  Spring Valley 91976 92977 91978 91979 

    We are a debt relief agency. We help people file for relief under the Bankruptcy Code.  Call 619  447-6780

    Call (619)  447-6780 -Attorney Casey.

    If you live in San Diego County Talk to a Bankruptcy Lawyer. Your debt will not go away by itself. We can help you as a debt relief agency under the Bankruptcy Code. 

     

     

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

    Call (619)  447-6780

     

     This communication is an “Advertisement” as defined by the California Rules of Professional Conduct and California Business and Professions Code. No communication herein shall create an attorney-client relationship unless a separate retainer agreement is signed by an attorney and client. This material is for informational purposes only and not intended to provide legal counsel or legal advice to you.

    Any legal content contained on this website and links listed below  in in this web side are not intended to and  does NOT constitute legal advice.

    Copyright ©2012 by Attorney David A. Casey.   Bankruptcy Chapter 7 Attorneys .com

     

    El Cajon, California

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