San Diego Bankruptcy Chapter 7 & 13


How Bankruptcy Can Help You:


Eliminate Debt - For many people, bankruptcy offers very powerful, real and tangible solutions to their financial problems.  If you have credit card debt, medical bills, personal loans, and other unsecured debts, a Chapter 7 bankruptcy can usually completely eliminate (“discharge”) those debts, and also restructure your car loan, and almost always allow you to keep all of your assets in the process – including your house, car and pension.  Even income taxes (both Federal and California) can be eliminated, in some circumstances.  See Chapter 7 Bankruptcy.


Get Caught up on your Mortgage - If you are behind on your mortgage payments, a Chapter 13 bankruptcy will give you up to 5 years to get caught up on your mortgage, with no interest accumulating during those 5 years.  A Chapter 13 bankruptcy can also eliminate all or most of your unsecured debt.


Remove a 2nd or 3rd Mortgage from your House - A Chapter 13 bankruptcy can also allow you to “strip” a second and/or third mortgage lien from your house, in certain circumstances.  This can achieve some incredible results for you – allow you to remove the lien of a second or third mortgage from your house, and repay that mortgage lender just pennies on the dollar, over the life of your Chapter 13 plan.  See Chapter 13 Bankruptcy.


Stop Creditor Harassment - Moreover, in both a Chapter 7 and a Chapter 13 bankruptcy, you can stop a foreclosure from going forward, and you can stop a car repossession.  You can also stop or prevent your salary from being garnished, and stop or prevent your bank account from being frozen by your creditors.  A bankruptcy will immediately stop all harassing phone calls, letters, lawsuits, and all other types of collection activities.  Once you file for bankruptcy, your creditors are not allowed to contact you, or try and collect from you in any way, shape or form.  Even a creditor with a judgment against you is not allowed to try and collect on that judgment.


What you Need to do to Get Started:


Contact The Law Office of Henry Ahrens.  We are a local San Diego law firm, which specializes in helping people like yourself.  We offer a free, no obligation consultation, in which we will explain the entire process to you, and what results we can achieve for you.  You will only deal with, Mr. Ahrens, who is a San Diego bankruptcy attorney with over 30 years of experience, who will give you personalized attention and professional advice – not some paralegal, and not some lawyers just out of law school.  So call us today – you have everything to gain, and nothing to lose.


This is a time of unprecedented challenges for all of us.  Not only are we all facing a serious threat to our health, but many San Diego residents are also dealing with financial hardship caused by mandatory shelter in place orders and the resulting loss of employment and income.  The Law Office of Henry Ahrens is still available to help.

Perhaps you are now considering bankruptcy, but are hesitant to move forward out of fear that the bankruptcy process will require you to leave your home.  You can file for bankruptcy and never leave your house, as everything is now handled telephonically and electronically.  Even bankruptcy court hearings are now conducted telephonically, so you can file for bankruptcy and complete the entire process without ever risking your health.

We are available for telephonic bankruptcy consultations, in which Mr. Ahrens will explore with you whether a bankruptcy filing would make sense in your situation.  No hard sells - just good advice.


Please call us at (619) 284-2884 to schedule a telephone appointment.  In the meantime, stay safe.  We will all get through this together. 

How the CARES Act impacts Chapter 7 and Chapter 13 Bankruptcies  >

We handle a wide range of consumer Federal Bankruptcy issues.  We have a great deal of experience with Chapter 7 bankruptcies (which are liquidations) and Chapter 13 bankruptcies (which are repayment plans), as we have successfully handled literally thousands of these matters.  Our office also represents clients involving IRS Tax Debt Negotiation and Offers in Compromise

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The Law Office of Henry Ahrens

3435 Camino del Rio South, Suite 210

San Diego, CA 92108


        San Diego Bankruptcy Law Firm










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Please be advised that the information contained in this web site is general information regarding the law.  Nothing contained herein constitutes the formal rendering of legal advice, nor can the creation of an attorney/client relationship be formed by merely visiting this web site.  The law can be quite complex and nuanced and is constantly changing.  If you wish to discuss a legal matter with The Law Office of Henry Ahrens, please call us at (619)284-2884.  We are a debt relief agency; we help people file for Bankruptcy under the Federal Bankruptcy laws. San diego, Chula Vista, National City Bankruptcy Lawyer