Michael Koch, Esq. Lockhart, Britton & Koch Michael Koch, Esq. Lockhart, Britton & Koch
A Friendly Attorney Who Takes The Fear Out Of Bankruptcies And Estate Planning
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Posts tagged "blog"

Is it time to file for bankruptcy?

It has now been several years since the recession, but like many Californians, you are still feeling the pinch in your pocketbook. You may have a steady job and appear to be doing fine to everyone else, but secretly you are struggling to make ends meet from month to month. It is understandable that your emotions are running the gamut from embarrassment to helplessness. Can a personal bankruptcy be the end of your troubles? How do you know when it is time to file for bankruptcy?

How to deal with burdensome student debt (and avoid scams)

Student debt is a fact of life for nearly 50 million Americans. Some high-income earners stay on top of their debt or pay it off entirely thanks to stable jobs. Yet millions of others aren't so lucky, falling behind on payments that frequently total more than a mortgage.

Pros and cons of chapter 7 and chapter 13 bankruptcy

Being in debt is a horrible situation for anyone. Deciding whether to file bankruptcy is not any easier. Bankruptcy does offer a chance to move forward though. Some people considering bankruptcy are not aware that there are two types available: chapter 7 and chapter 13. Both types have pros and cons to weigh.


Michael Koch, Esq. Lockhart, Britton & Koch
Allied Plaza
7777 Alvarado Rd.
Suite 622
La Mesa, CA 91942

Phone: 619-880-4354
Fax: 619-698-2957
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