- Divorce
- Child SupportOne of the reasons people file bankruptcy is to get a discharge. A discharge is a court order which states that you do not have to pay for most of your debts. Some debts cannot be discharged. For example, you cannot discharge debts for- most taxes, child support, alimony, most student loans, court fines and criminal restitution; and personal injury caused by drunk driving or under the influence of drugs...
- Spousal Support
- DUI/DWI
- Theft
- Personal InjuryEven if your receive a general discharge, some particular debts are not discharged under the law. Therefore, you may still be responsible for most taxes and student loans; debts incurred to pay non dischargeable taxes; domestic support and property settlement obligations; most fines, penalties, forfeitures, and criminal restitution obligations; certain debts which are not properly listed in your bankruptcy papers; and debts for death or personal injury caused by operating a motor vehicle, vessel, or aircraft while intoxicated from alcohol or drugs. Also, if a creditor can prove that a debt arose from fraud, breach of fiduciary duty, or theft, or from a willful and malicious injury, the bankruptcy court may determine that the debt is not discharged.
- BankruptcyBoth Bankruptcy and non bankruptcy alternatives provide effective debt relief. These include chapter 7 bankruptcy, chapter 13 debt consolidation bankruptcy, or a chapter 13 wage earner plan, debt negotiation and debt settlement. Both can be very effective and inexpensive debt solutions allowing you to obtain a fresh start from debt in San Diego California and to live debt free again.
- ForeclosureMany simple low payment options may be available to give you a fresh start. You can lower or eliminate your current monthly payments into a single reduced monthly payment. It would allow you to create a budget you can afford and not what creditors demand. Help is available to stop creditors and end collection phone calls, wage garnishment, credit cards, lawsuits, repossession, bank levy, foreclosure, taxes, and creditor harassment.