How long does bankruptcy take in San Diego?
That depends on whether yours is a Chapter 7 or Chapter 13 proceeding. Usually, the most important thing for my clients is that as soon as you file bankruptcy you can stop the credit calls, no matter if you file Chapter 7 or Chapter 13. If you are being sued, I can file an emergency bankruptcy to stop the legal action and everything can stop in a day.
How long does bankruptcy take, that depends a lot on you. But from the time the paperwork is files till when the bankruptcy court send the discharge is about 90 days in San Diego County.
What holds people up is the paperwork before I file bankruptcy for you, but I have a solution:
One of the first things you need to know if you file with us we will help you with the paperwork, very few law firms do this. We will give you an appointment and work with you to get the paperwork done. I mean let’s face it, some of us are paper people some of us are not. That is why if you need help with the paper organization and are working with our firm, we are happy to assist you. If you take a while to get all the paper we need to file, then the bankruptcy takes longer. If you have the paper/ documents to go and are in a hurry, I have done bankruptcy filings in hours. Chapter 7 typically runs its course from start to finish, the finish being the discharge and all the i’s dotted and t’s crossed about three months. Again though, once your bankruptcy has been filed (documents in the hands of the court) the phone calls stop.
The biggest issue in finishing the bankruptcy is collecting all the paper worked needed to file the bankruptcy. If you are considering filing start organizing your paperwork and documents NOW.
Chapter 13 usually takes three years to complete (pay off everyone you have committed to pay) but in special cases can take up to five years. This is because in chapter 13 ( a debt repayment plan) the bankruptcy is completed when the payments are completely received by the creditors.
What bankruptcy you file either Chapter 7 or chapter 13 depends on the “means test”. When you go in for a bankruptcy consultation I can explain your options.
So… What is going to be your next step?
Pick up the phone and give us a call. Paul knows that calling about filing bankruptcy is hard. No one really wants to file bankruptcy. When you call, you will get an appointment time that is convenient for you to meet with Paul. Paul thoroughly believes his clients deserve to have answers.
Paul has made it his business to understand bankruptcy law and will be there for you all the way.