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San Diego Bankruptcy Lawyer

Solutions for Difficult Financial Situations

In today’s economy, many individuals and families have been left in financial distress. If you are struggling without a way to reduce your debt, an experienced bankruptcy attorney in San Diego can advise you of your options.

At Embry Family Law P.C., we help clients find relief from overwhelming debt through bankruptcy. We offer assistance with Chapter 7 and Chapter 13 bankruptcies.

Please contact our law firm at (619) 485-6476 to learn if bankruptcy is right for your financial situation.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy, known as liquidation, allows you to eliminate debt and get a fresh start. This type of bankruptcy is often a good choice for people with significant credit card bills and other unsecured debt and few assets. Any property that is not exempt can be sold to pay your creditors. However, there are many exemptions that can be claimed to protect your property.

Debt that cannot be discharged in Chapter 7 bankruptcy includes:

  • Student loans
  • Alimony
  • Child support
  • Certain taxes
  • Fraudulent debts
  • Certain items charged

Chapter 7 is the fastest type of bankruptcy, and most cases are discharged within 90 days of filing. Our San Diego bankruptcy attorney can assess your financial situation and analyze how the exemptions work for you to determine if this type of bankruptcy is the best option.

Chapter 13 Bankruptcy

When your goal is to restructure your debt and keep your property, Chapter 13 may be the best type of bankruptcy for you. With repayment plans that typically last three to five years, the process is not as fast as Chapter 7. At the end of this period of time, remaining balances are discharged.

Why is Bankruptcy Important?

Americans learn almost from birth that it’s good to buy goods and services. Through advertising, a highly paid army of persuaders surrounds us with thousands of seductive messages each day that all say “buy, buy, buy.” Easily available credit makes living beyond one’s means easy. If for some reason, such as illness, loss of work, or just plain bad planning, our ability to pay for the goods or services we need is interrupted, fear and guilt are often our first feelings. We sometimes believe that if we fail to pay for our debts right on time that we are deadbeats. We may even feel that we’ve failed as human beings.

NONSENSE! There’s a lot more to life than an A+ credit rating, and lots of better things to feel guilty about than the failure to pay for a snowmobile or a summer vacation right on time. The fact that the American economy is based on consumer debt should not be forgotten. Nor should the fact that $50 billion has been spent nationally for bailout of poorly run financial institutions. Keeping those facts in mind, you really shouldn’t feel too guilt-ridden about the debts you’ve run up.

In fact, large creditors expect defaults and bankruptcies and treat them as a cost of doing business.

Fortunately, it has been recognized that debts can get the better of even the most conscientious among us. From Old Testament times to the present, society has discouraged debtors from falling on their swords and provided sensible ways for debt-oppressed people to start new economic lives. Today, this is done through bankruptcy.

Bankruptcy is a truly worthy part of our legal system. It helps keep families together, reduces suicide, and keeps the homeless problem from growing even larger. One of the major benefits of bankruptcy is that many creditor actions are stayed — debt collections efforts must stop and foreclosure is halted. Of course the primary benefit is the discharge of past debts that are weighing you down, giving you a fresh start and the opportunity to resume status as a productive member of society.

Bankruptcy Can Offer a Renewed Outlook

If you suddenly find yourself without a job, socked with huge, unexpected medical bills you can’t pay, or are simply snowed under by an impossible debt burden, bankruptcy provides a chance for a fresh start and a renewed positive outlook on life. There is immense personal relief in being relieved of the burden of working to pay for yesterday’s expense instead of living for today and planning for the future.

Although a bankruptcy filing remains on your credit record for up to ten years, many creditors disregard bankruptcy after five years. In a short time, you can probably rebuild your credit to the point that you won’t be turned down for a major credit card or loan. You may be also able to obtain a mortgage loan after a year or so. Most major creditors look for steady employment and an ability to repay. I

f you can establish a history of making and paying for purchases on credit since bankruptcy, you are well on your way to rebuilding your credit rating. Ways to establish credit include getting a secured credit card (line of credit is based on amount of money on deposit in savings account), taking out a loan with a relative or friend as cosigner, and setting up a payment schedule for purchase of items with a local merchant (i.e. jewelry, furniture, or appliance store).

Consult with Embry Family Law P.C.

Because each situation is unique, it is important to seek advice from an experienced bankruptcy attorney to determine the best type of bankruptcy to resolve your financial difficulty and help you achieve your goals. At Embry Family Law P.C., we want to help you get the fresh start you deserve.

Contact us at (619) 485-6476 to discuss your options in a consultation.

The Embry Family Law P.C. Team

  • Ben E. Embry Photo
    Ben E. Embry

    Founding Attorney

    Ben was born and raised in Henderson, Kentucky, and attended the University of Kentucky. He did not leave Kentucky until he moved to San Diego to attend law school in 2006. Ben grew up on his father’s farm, doing the things that most “farm boys” do: Plowing the fields, tending the cattle, and harvesting crops, all while leaving enough time to fish in the pond. Working for his father is what gave Ben the work ethic he has today. Despite the fact that farming was in his blood, Ben decided early on ...
  • Nicholas  Montano Photo
    Nicholas Montano

    Senior Paralegal/Office Manager

    Nicholas is a native San Diegan who grew up in Golden Hills, right by the 94 freeway. As the middle of three siblings, he was and is the “peace maker” in the family. At Embry Family Law P.C., Nicholas enjoys supporting clients by explaining the process to them, listening to their concerns, and assuring them that they are in good hands and that everything will be okay. Nicholas attended St. Augustine High School and Cuyamaca Community College, and he is working on his last semester to become ABA ...
  • Shyanne  Mortimer Photo
    Shyanne Mortimer

    Lead Litigation Paralegal

    Shyanne was born in Concord, California where she lived for the earlier parts of her life before moving to Fresno California. In 2018 she graduated from Clovis West High School and continued her education at her local private college, Fresno Pacific University. She graduated a year early in 2020 with her Bachelor's Degree in English and an emphasis in classic literature. She is a first generation college graduate and used this as fuel to pursue her education further. In 2021 she attended the ...
  • Daniel  Ledesma Photo
    Daniel Ledesma

    Legal Assistant

    After receiving his bachelors in Law & Society at the University of California, Riverside, native San Diegan Daniel Ledesma has worked in two legal fields whilst he prepares for his next stop: Law School. Growing up in a diverse setting that San Diego entails, Daniel wants to enrich his legal expertise and assist individuals within his community who may not be 100% knowledgeable with their rights. Prior to joining Embry Family Law, Daniel worked in Immigration law and took a vast amount of pride ...
  • Gabriele  Finley Photo
    Gabriele Finley

    Litigation Paralegal

    I am a graduate of California State University San Marcos with a Bachelor of Arts in Social Sciences. I unexpectedly found my passion for the legal field during a Sociology of Deviance class and went on to earn my Paralegal Certificate from the University of San Diego School of Law. I have always had a strong inclination towards Family Law, and my love for it stems from my passion for being a genuine advocate for others. In my free time, I enjoy exploring different areas of San Diego, cooking ...
  • Carmen  Caserta Photo
    Carmen Caserta

    Associate Attorney

    Carmen was born in Los Angeles, CA, and grew up in the San Fernando Valley. She moved to San Diego as a budding singer/songwriter in 2001, when she was just nineteen years old. After spending a few years teaching herself to play piano and write music, Carmen began to feel a strong pull toward academic pursuits. With a lifelong fascination surrounding the complexities of the human experience, she decided to pursue a BA in psychology and graduated with Honors from Chapman University in 2008. ...
  • Julie  Mekhael Photo
    Julie Mekhael

    Law Clerk

    Julie was born in Los Angeles, CA, where she then grew up in East Highland Ranch with her fun family of 5. In 2010, she and her family moved to Sunny San Diego, where she graduated from Torrey Pines High School and continued her education at the University of California San Diego (UCSD), receiving her bachelor’s degree in political science. Her early love for competitive swimming, which started at the age of 5, carried her through her college years. But a new path called her when she made the ...

Why Choose Us?

  • Personalized Approach

    We understand that this is your story and it's different than everyone else's. Our approach is catered specifically to what you're currently going through.

  • Exceptional Customer Service

    We understand that what you're going through can be overwhelming at times. When you work with us you're not just a number, you're now part of our family. Your success is our success, we will guide you every step of the way.

  • Certified Family Law Specialist

    Our attorney has been certified by passing the appropriate written examination in Family Law, demonstrated a high level of experience in Family Law, fulfilled ongoing education requirements and has been favorably evaluated by other attorneys and judges familiar with his work.

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