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Bankruptcy & Estate Planning Attorney Serving San Diego, California

Legal matters such as bankruptcy and estate planning can seem overwhelming. An experienced attorney can help you navigate the maze of the legal system, making the process feel far less intimidating. With more than three decades of knowledge to draw from, I can help dispel any misconceptions and misgivings you might have and provide the counsel you need to face your situation without fear. If you live in San Diego, El Cajon, La Mesa, Chula Vista, or National City, California, contact me to set up your free consultation.

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Michael Koch

Michael Koch

Attorney at Law

As a bankruptcy attorney, I have helped thousands of people gain financial freedom and a second chance at life. I enjoy using my experience for the benefit of others by helping them find solutions to their problems. Being an estate planning attorney means I can help clients plan for and feel secure in their futures. Before representing bankruptcy trustees, I was an associate attorney at the American Tax and Law Center in San Diego, California. I have also served as Chair of the Personal and Small Business Bankruptcy Advisory Commission and as a member of the Insolvency Law Committee. In addition, I have been a guest speaker at many forums and bar meetings as well as a contributing author of Personal and Small Business Bankruptcy in California CEB 2005. It’s my honor to use my past experiences to benefit you.


An Experienced & Collaborative Approach

In-Depth Background Knowledge

I have been practicing law since 1987 and understand the intricacies involved with eliminating debt and planning for the future. I have the knowledge needed to help you take the necessary next steps with confidence. Writing wills, deciding powers of attorney, or filing for bankruptcy can all seem intimidating, but I will be there to guide you through each step of the process.

Professional Collaboration

I work directly with my clients, involving them in each decision I make. When people are looking for a bankruptcy attorney, they often feel like life has escaped their control. Including them in the decision-making process allows them to regain some of that power, as well as a sense of confidence and dignity. Stepping into the unknown can be difficult, but I am here for you.

Taking the Fear Out of Bankruptcy & Estate Planning

Nobody wants to end up filing for bankruptcy. Needing debt relief can feel like a failure, but really, it’s an important tool to help you get back on track. I want to help you eliminate debts and resolve taxes so you can have a fresh start in life. While bankruptcy is usually a federal process, it is important to have a bankruptcy attorney well versed in California law, as state laws determine the property you are allowed to keep.

Most people file for either Chapter 7 or Chapter 13 bankruptcy. Chapter 7 bankruptcy is faster, taking only a few months. Chapter 13 bankruptcy is a longer process and allows you to set up a repayment plan in which you can pay off your debt over a set period of time. Contact me at Michael Koch, Esq. Lockhart, Britton & Koch to learn which option is best suited for you.

Planning for the future can also be a daunting task. As an estate planning attorney, I can help you write an advanced health directive, draft a will, and set up trusts. These documents allow you to determine your future and the distribution of your assets. I also provide special needs planning, which can help ensure quality care and financial preparedness for your dependents.

I am honored to use my passion and experience to serve the people of San Diego, California, and its surrounding areas of El Cajon, La Mesa, Chula Vista, and National City. Get in touch today with me to schedule a free consultation. Together, we can begin planning for the future or taking your first steps toward financial freedom. I am a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.