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Consumer Bankruptcy Attorney,  EL Cajon, California

Bankruptcy Attorney for Chapter 7, Chapter 13 and 11

David A. Casey- Attorney

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.

The Law Office of David A. Casey provides personal service to clients who need debt relief with professional legal representation for bankruptcy at reasonable rates.  Filing for Bankruptcy is a major and important decision that will affect you financially.  Attorney Casey provides you with the time necessary to ensure that the bankruptcy process is done properly.  You will be advised and provided guidance at every step in the bankruptcy process.  Attorney Casey's philosophy is to treat every client with respect as we would expect to be treated if there was a change of events that affected our lives.  The purpose of bankruptcy is to seek relief from your financial hardship, stop foreclosures,  and put a stop to unreasonable creditors pursuant to the bankruptcy laws.

 

In the last year, bankruptcy filings have increased 30%. The primary reason for filing personal bankruptcy is an unforeseen financial down turn, loss of savings and unable to borrow funds at a reasonable rate. Many have over time had medical expenses, excessive credit card debt, loss of employment, death of a family member and divorce.

  David Casey, Attorney  

365 Broadway, Suite 203 

El Cajon, California

(619) 447-6780 

(Note: This web site is for general information on bankruptcy - there is no inference that the Law Office of David Casey represents you in any way until a retainer and fee agreement is signed by you and attorney).  Any documents drafted without  coming into the law office or via the internet is considered in "Pro Per" and is solely based on your representation of the information you provide.  Attorney Casey has been practicing Family Law since 1989 and has assisted individuals, couples and businesses with their bankruptcy needs.

Let the Bankruptcy Laws Work For You.

Stop Creditors!  Call immediately!

Call For Debt Relief Today!

Over the past few years, bankruptcy filings in the United States have increased nearly thirty percent.  Unfortunately, with the down turn in the economy, there are more filings for relief every day.  Despite changes to bankruptcy laws, bankruptcy still remains a useful  tool for preserving assets while eliminating bad debts. Our Bankruptcy clients understand that just like trusts or other estate planning tools, bankruptcy is a legal right that is available to help you you.  Bankruptcy may be the most powerful way to protect your family’s financial health and to STOP CREDITORS harassing you and your family.  Too many lives and especially marriages are hurt due to unresolved financial matters.   The Law Office of David A. Casey wants to help you and your family eliminate overwhelming financial stress and enable you to get the fresh start you need in order to flourish and to enjoy life again. Depending on your situation, a Chapter 7 or Chapter 13 bankruptcy filing may bring the relief you have been seeking.

Let the Bankruptcy laws work for you!

Stop Creditor's calls immediately through Bankruptcy!

Stop or Delay Foreclosures!

Chapter 13 and Chapter 7 Bankruptcy

                can get you a fresh start and

                  relieve the stress of your financial problems.    

                 Call today for a Free Phone Consultation! 

YOU ARE NOT ALONE IN FILING BANKRUPTCY

More debtors had to file bankruptcy in the wake of unemployment, large medical bills and the overall problems with the economy.   

  • Consumer bankruptcy filings are on the rise. There were 266,767 bankruptcy filings in the second quarter of 2008 as compared to 236,891 filings in the first quarter of 2008.  The 2009 the Bankruptcy rate will be much higher.
  • It was estimated that in 2008 there were more than 1.1 million consumers who sought the protection of the Bankruptcy courts. Chapter 7 accounted for 64.37% percent.  Chapter 7 and 13 will be even higher this year.

     Consumer Bankruptcy Attorney,  EL Cajon, California

Call  Attorney  David A. Casey

(619) 447-6780

Take The First Step to Getting

Your Debt Relief Started!

 Call Today!

 

 

Buying a home or getting a new credit card after bankruptcy?

YOU  MAY HAVE HEARD HORROR STORIES FROM CREDITORS that if you file bankruptcy you will not be able to get credit or you will not be able to buy a home.

The credit card companies or home loan lenders must determine whether or not to lend to a person after filing bankruptcy.  What the banks consider when determining your risk factor is your current status. As for a home, the most important factor that they will consider is your current debt to income ratio, in other words, how much outstanding debt you have relative to your income coming in.  If you are thinking about bankruptcy most likely you have a very high amount of outstanding loans or high credit card consumer accounts and probably would not qualify for a loan. They want to make sure your mortgage payment is no greater than 30% of your gross monthly income. So let’s put this in perspective, right now, calculate how much income compared to your monthly debt payments.

After filing bankruptcy you have no outstanding debt and cannot file for another eight years. In fact, you look like a much better candidate for credit card companies after filing bankruptcy. You even have the money to pay the credit card amount each month without any interest charges.

Thinking about buying a home after Chapter 7 bankruptcy? Studies indicate that around 90% of individuals receive solicitation from a lender actually indicating that they knew they had filed bankruptcy. So remember, credit is your ability to borrow money, and that may actually improve after filing bankruptcy. Certainly it will improve if you can put money aside to pay your bills, on time, after the bankruptcy and probably to put some money into a savings account.  Bankruptcy is a right granted under the federal law to protect and to help people with serious financial hardships. 

Common Questions and Answers About Bankruptcy - Click here

 

No matter if your bankruptcy needs are simple or very complex,  my office is here to assist you.  The positive benefits of bankruptcy law can help.  Bankruptcy is like taking some medication for an infection. If you don't take it things will get worse.   You're welcome to contact other attorneys and to find one that you are comfortable with.   Don't just retain an attorney on fees.  Check what you are getting.  Don't be another number.    

This web site is intended for general bankruptcy information only and does make any inference that this constitutes a retainer for my services or that I  represent you.

This communication is an “Advertisement” as defined by the California Rules of Professional Conduct and California Business and Professions Code. No communication herein shall create an attorney-client relationship unless a separate retainer agreement is signed by an attorney and client. This material is for informational purposes only and not intended to provide legal counsel or legal advice to you.

The Bankruptcy and Family Law Office of David A Casey represents individuals and businesses seeking Bankruptcy relief. We are a debt relief agency. We help people file for relief under the Bankruptcy Code.

 

Looking for a Bankruptcy Lawyer without having to go downtown in San Diego?  My office is located next to two major freeways in El Cajon. I'm only minutes away from:   La Mesa, Lemon Grove, Lakeside, Alpine, Rancho San Diego, Santee, Spring Valley, Chula Vista. My office also has an on-site pubic notary when needed.  
Cities : San Diego 92019, 
Santee 92071 92072 , El Cajon 92019 92020 92021 92022 ,  Lakeside 92040 La Mesa 91941 91942 91943 91944, Jamul 91935, Alpine 91901, Spring Valley 91976 91977 91978 , Potrero 91963, Lemon Grove 91945, Campo 91906 , Bonita 91902, Mission Valley  92108,  San Carlos  92119 92120 San Diego 92109 - 92118,
La Jolla 92037 92038 92039 Pacific Beach, Tierrasanta, Pt Loma, Kearny Mesa, University City, Mira Mesa,  Ocean Beach, Bonsal, Jacumba, Julian, Descanso,  Vista, Chula Vista, Linda Vista, Serra Mesa, Rancho Bernardo,  National City, Clairemont. If you don't see your city just give me a call.
Call (619)  447-6780 

Talk to a Bankruptcy Attorney, El Cajon, CA

Area of Service :Alpine 91901 Bonita 91902  Chula Vista 91909-91915 - 91921 Coronado 92118, 92178  Del Mar  92014 Dulzura 91917  El Cajon 92019-92020, 92021 92022 - 92090  Escondido 92025-92027 - 92029-92030 - 92033, 92046  Imperial Beach 91932-91933  Jacumba 91934 Jamul 91935  Julian 92030 La Jolla 92037-92039  - 92092-92093 La Mesa 91941 92942 92943 91944  Lakeside 92040  Lemon Grove 91945-91946  MCAS Miramar 92145  Oceanside 92049, 92051-92052 - 92054-92058 Pacific Beach 92109 Pala 92059 Pine Valley 91962 , 91990  Ramona 92065  Rancho Bernardo 92128  Rancho Santa Fe 92067, 92091  San Diego (city) 92101-92124 - 92126-92140 - 92142, 92143 - 92145, 92147  - 92149, 92150  - 92152-92155  - 92158-92179  - 92182, 92184  - 92186, 92187  - 92190 - 92199  Santee 92071 -  92072 Solana Beach 92075  Spring Valley 91976 92977 91978 91979 

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.  Call 619  447-6780

 


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