Bankruptcy Help In San Diego

Getting bankruptcy help: Considering bankruptcy? no one wants to…

Capitalism without bankruptcy is like Christianity without hell.”

Are creditors constantly calling you? Does the thought of opening your mail stress you out? Are you worried that utilities may be shut off or your car repossessed? Do you lie awake at night because you’re afraid of losing your home? Have you already dipped into savings or, worse, your retirement funds just to pay bills and buy groceries? These are all signs that it may be time to seriously consider filing bankruptcy.

Now, probably more than at any other time in the last fifty years, people are having financial trouble because of events beyond their control, such as recession, layoffs, and small business owners suffering acute drop-offs in sales. No one assumes anymore that the need to file bankruptcy is somehow a reflection of the moral character of the person filing. For centuries,
bankruptcy has been the ultimate relief valve for those in direst of straits. Americans seem pretty unanimous in continuing to believe that bankruptcy is a valid, valuable tool in this

Ninety-six percent of the people who consult with me just happen also to be candidates for filing Chapter 7 bankruptcy. This fact has always been something that surprised me. I’m not a
new-age type of guy, but people’s gut reactions to “I think I need a lawyer to file bankruptcy” are usually right.

The choice of whether to seek bankruptcy relief is difficult, and it can be close to heartbreaking. Many people experience shame and anxiety over filing bankruptcy. They are sometimes afraid that filing bankruptcy makes them look irresponsible or like people who don’t want to pay their bills. However, the truth is that there is no shame in filing bankruptcy. Some people need bankruptcy, and bankruptcy law exists to make sure that people having serious financial trouble can survive.

The first thing to do is call for a free bankruptcy consultation, then you get bankruptcy help or at least get a good idea what your financial options are

Hiring a San Diego bankruptcy attorney?

Five questions for a San Diego Bankruptcy Attorney

1.  Question: It seems like there is a lot of information and documents called for and I’m not very organized, not really a “paper person.” Canquestions for a san diego bankruptcy atttoreny someone help me?

ANSWER: Yes. Many of Paul’s clients have been inundated with demand letters, ugly phone calls, even lawsuits and it has become a nightmare to keep it all organized. Paul recognizes that it’s not just the logistics of gathering all the necessary things into one place, but it’s also the sense of being overwhelmed that makes it difficult for some clients to organize. Paul will help you streamline your “homework” so you can help him help you.

2.  Question:  Who will be with me at the meeting of creditors – Paul, or someone working for him that I may not yet know?

ANSWER: Paul always accompanies his clients to every event the client’s case involves. While many of his contemporaries hire “appearance attorneys” to show up at the meeting of creditors and keep track of what additional requests the trustee makes, Paul shows up in person. You’ll never have to wonder who will be there. This also seems to result in a much more efficient meeting since Paul is unfailingly prepared. It also means there are almost no continuances needed for Paul’s clients. As nerve-wracking as it is anticipating the meeting, Paul figures the clients deserve to only have to do it once if a continuance can be avoided.

3.  If I have a question about my case – either while we’re getting it ready or after it’s filed, will I be directed to a subordinate or will I be able to talk to Paul?

ANSWER: Paul does not use subordinates. Every client who wants to talk to Paul gets to talk to Paul, not someone else. Also, each client has Paul’s personal cell phone number. He might joke that he does sleep and take some time off. Paul believes that each client should have as much access to him as they need. Many lawyers think clients will abuse the privilege of unlimited access. That hasn’t been Paul’s experience though.

4.  What if after my case is filed it is challenged and I don’t get a discharge? Do you guarantee your work?

ANSWER: Paul does guarantee his work, and was the first San Diego Bankruptcy Attorney to do so. His promise to each client is that if the client has been truthful with me in the preparation of his / her case and yet the case fails, I have a responsibility to refund the client’s fees.  In the over twenty years in practice, Paul has never had to refund a client’s fees. He is confident he can and will maintain that track record, including your case, too.

5.  Who will be with me at the reaffirmation hearing? Will there be an additional cost?

ANSWER:  You probably know the answer to the first half: Paul will be with you at the Jacob Weinberger U.S. Bankruptcy Court at any reaffirmation hearing. Bankruptcy rules require bankruptcy lawyers to appear with the clients but, still, some don’t show, and many of those that do charge an additional fee. The additional fee is permitted, i.e. the rules allow the lawyers to charge the additional fee. Paul doesn’t charge extra for this appearance.

Bonus Question: Are you a lawyer?

A number of  San Diego bankruptcy law firms have made a lot of money by paying only one or two attorneys to handle an enormous caseload. How do they do this? They hire support staff to handle almost everything. In fact, some firms will schedule new clients to meet with support staff rather than lawyers at the first meeting. These firms can hire a charming salesperson for a lot less money. I do not object to supporting staff, but your first consultation requires legal thought and analysis, which cannot and should not be done by a salesperson.

How to Find the Best Bankruptcy Attorney San Diego for youbankruptcy attorney san diego

Finding the best bankruptcy attorney in San Diego isn’t as easy as one might think. First off, there is the fact that most people don’t hob-knob with bankruptcy attorneys or with the people who are likely to be around them – people like accountants, tax attorneys and divorce lawyers that refer clients for bankruptcy. Secondly, many people who do file bankruptcy are reluctant to refer others to their attorney because that would mean they would end up talking about their own bankruptcy as part of the conversation. As much as times have nearly eliminated the stigma attached to filing bankruptcy, most people who file would rather keep it private.

The best bankruptcy attorney in San Diego may not be the same one for everybody.

Solo practitioner Paul Staley realizes he can’t serve all of the hundreds of people in San Diego county who file bankruptcy each month, so he’s determined to provide the best possible work for those he does represent. He offers a few tips on questions to ask when searching for the best bankruptcy attorney in San Diego:


  1. How long has the attorney been in practice?
  2. Will I meet with the attorney assigned to my case when I come in for a consultation?
  3. How long will my initial consultation take? (Generally, the longer the better. Some high volume practices try to process each consultation speedily so they can maintain their volume.)
  4. Will my attorney be performing the work on my case, or will s/he be delegating some or all of it to a non-attorney?
  5. Has the attorney assigned to my case ever had one of his client’s cases involuntarily dismissed or converted to a different chapter under the Bankruptcy Code?
  6. Of all the cases my attorney files, about what percentage are Chapter 13s, and about what percentage are Chapter 7s?
  7. How many paralegals, legal secretaries and / or other support staff are assigned to each attorney in the firm?
  8. Do I have to pay extra fees for common events like a reaffirmation hearing? Negotiating with the trustee on exemptions?
  9. Who has “reviewed” the attorney’s work, and are the reviews real? Sadly, some attorneys have given in to the temptation of hiring non-clients to write fake reviews in order to boost the attorney’s ratings with Google and other portals. All of Paul’s reviews, whether on Google, Yelp, on the web site itself or elsewhere about his bankruptcy work are from real bankruptcy clients.

Paul does everything from scheduling the initial appointment.Then analyzing the client’s situation, preparing all the court documents, explaining each step of the process to the client and appearing with the client at all required meetings and hearings.  He concedes he is a bit of a “control freak” and something of a perfectionist about his work on each case.

Paul’s clients have his personal cell phone number and have extensive access to him.

 What should you do next ? 

Watching the videos on the web site will give you some insight into what Paul is really like in person. Occasionally, after an in-person meeting with Paul a client will say to him with some apparent surprise that he’s “just like in your videos.”  But judge for yourself. If you think you can relate to the man in the videos, you may have just found the best bankruptcy attorney in San Diego for you.[wpseo_address oneline=”1″ show_state=”0″ show_email=”0″]

paul staley bankruptcy lawyer
The Law Office Of Paul Staley provides legal advice and representation for residents of San Diego County. The information on this website is for general information purposes only. Nothing on this or associated pages, documents, comments, answers, emails, or other communications should be taken as legal advice for any individual case or situation. This information on this website is not intended to create, and receipt or viewing of this information does not constitute, an attorney-client relationship.
Paul Staley
Bankruptcy Attorney
1901 1st Ave., FLR 1 San Diego, CA 92101
Phone: +619 235 40 95

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