Filing for bankruptcy is a legal process that helps people get a fresh start and remove the overwhelming burden of debt. There is no shame in restructuring your debts to make successful payments and meet your obligations. A knowledgeable attorney will take the fear out of a bankruptcy filing and help you understand the process.
At Michael Koch, Esq. Lockhart, Britton & Koch, I have been helping San Diego-area clients file for bankruptcy since 1987. I am known for my thoroughness and attention to detail with my clients. I take the fear out of bankruptcy for my clients and provide an honest assessment of possible outcomes. Contact my office in La Mesa today for a free initial consultation. I also serve the surrounding cities of El Cajon, Chula Vista, and National City, California.
My skills as an attorney may be able to help you stop foreclosure and guide you in restructuring your debt. I am a former counsel for a standing bankruptcy trustee, and I understand the process of filing from both the debtor and creditor sides. I have spent my career helping thousands of clients with their debt issues, and I will put my experience toward your case. Let's work together to determine the solution that's right for you, whether it involves Chapter 7 bankruptcy, Chapter 13 bankruptcy, or another option.
Here are a few of the financial and legal hurdles I may be able to help you overcome:
Extensive credit card debt for families and individuals
Debt relief for small businesses that can no longer afford to make their payments
Tax guidance for those who missed filings or who are facing wage garnishment
I work to help clients recover from serious financial events such as a divorce or medical accident. An unexpected trip to the emergency room, even with insurance, can result in thousands of dollars in fees. An injury can also prevent individuals from working, which limits their ability to pay for their debts. These kinds of incidents can happen to anyone, and it is important to speak to a knowledgeable attorney to protect your rights. You deserve a chance at financial freedom. When you're ready to start pursuing a life free of the burden of debt, reach out to me.
The following are a few of the common situations that may cause debt issues:
Accident or injury that results in extensive medical debt
Loss of partner’s income or change in marital status
Cash flow problems that result in the extensive use of credit cards
Problems with debt can happen at any age, and taking on more debt to pay off previous expenses is a vicious cycle. Do not fall victim to wage garnishment or forced collections; start the bankruptcy process now.
Many clients that I speak to are unsure of whether bankruptcy will help them with their debts and are afraid of the possible consequences. The fear of losing your home or vehicle is a normal concern, and I will go over your options in your initial evaluation.
Some of the common questions I can help you answer are:
What is the difference between a Chapter 7 and Chapter 13 bankruptcy?
How will filing for bankruptcy affect my credit?
What kinds of debt can a bankruptcy eject?
My firm is not a debt clinic; you will have an attorney at the door ready to speak to you about the case. I have a talented team of legal professionals ready to give you a thorough review of your case and prospects.
Ignoring debt can make it harder to move past them. If you're ready to pursue a fresh financial start, contact me at Michael Koch, Esq. Lockhart, Britton & Koch for a free consultation. From my office in La Mesa, I work with clients throughout the San Diego area, including El Cajon, Chula Vista, and National City, California.
I am a debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.