Law Offices of Andrew H. Griffin III Law Offices of Andrew H. Griffin III
Bankruptcy

El Cajon Bankruptcy Attorneys

Many people find themselves in difficult financial situations due to circumstances beyond their control. If you are feeling overwhelmed by debt, you may need the help of a bankruptcy attorney in El Cajon, CA. Our law firm has 40 years of experience helping clients file for bankruptcy in California. The Law Offices of Andrew H. Griffin III offer consultations, and we will work with you to find the best solution for your situation.

What Happens When You File for Bankruptcy?

Filing for bankruptcy can provide you with a fresh start and relief from your debts. By filing for bankruptcy, you could eliminate some of your debts or pay down a portion over time. It will also grant you an automatic stay, which will prevent creditors from collecting. There will also be a block on any garnishments or attempts to remove money from your bank account or any other assets. Filing for bankruptcy allows you to work with both creditors and the court to determine your repayment plan and next steps.

Types of Bankruptcy

Our El Cajon law firm provides counsel for all bankruptcy types:

Read Bankruptcy Attorney Andrew H. Griffin, III, APC books titled:


Call (619) 853-3009 for a consultation to discuss your situation with our El Cajon bankruptcy lawyer, or contact us online 24 hours a day to find the right bankruptcy option for you.


Frequently Asked Questions 

What Are the Benefits of Filing for Bankruptcy?

Filing for bankruptcy can offer several benefits, including the opportunity for a fresh financial start by discharging certain debts. It also provides an automatic stay against creditor actions, such as collections, garnishments, and asset seizures. This process allows individuals to work with the court and creditors to establish a manageable repayment plan. Our team has extensive experience in handling bankruptcy cases and can guide you through the process with the aim of achieving the most favorable outcome for your financial future.

What Is an Automatic Stay in the Context of Bankruptcy?

An automatic stay is a legal provision that comes into effect as soon as you file for bankruptcy. It halts most creditors from continuing with collection activities, including making phone calls, sending letters, enacting or continuing wage garnishments, and initiating lawsuits. The automatic stay is designed to provide immediate relief from creditor harassment and give you time to work with your bankruptcy attorney to develop a plan for managing your debts. It's a critical benefit of the bankruptcy process that allows you to focus on your financial recovery without the added pressure of creditor actions.

How Do I Know if Bankruptcy Is the Right Choice for My Financial Situation?

Determining if bankruptcy is the right choice for your financial situation involves evaluating your debts, assets, income, and overall financial goals. It's a decision that should be made with careful consideration and professional guidance. Our El Cajon bankruptcy attorneys can provide a comprehensive assessment, discussing the pros and cons of bankruptcy in light of your specific circumstances. We aim to provide you with the information and support you need to make an informed decision that aligns with your long-term financial well-being.

Serving San Diego Since 1983
Call our firm at (619) 853-3009 to schedule a consultation today.

Chapter 7 Bankruptcy Lawyer in San Diego County 

What most sets our firm apart is our constant communication. Our staff speaks both English and Spanish to better serve a diverse clientele. We've been in practice since 1983 and have helped countless clients seek relief from crushing debt. Our clients find it easy to reach whomever is working on their case, and we send frequent case updates to keep them in the loop. All documents pertaining to a client's case are immediately accessible to them, so they always know where their case stands. It's practices like these that help our clients experience genuine financial peace. When you need the leading bankruptcy attorneys in El Cajon, CA turn to our team.

How Bankruptcy Can Improve Your Credit Score

Many people assume that filing for bankruptcy will severely damage their credit score. While it is true that bankruptcy will appear on your credit report for several years, it can also provide a fresh start for your finances and actually improve your credit score in the long run.

Here are a few ways that bankruptcy can help improve your credit score:

  • Elimination of debt: Bankruptcy can discharge many types of unsecured debt, such as credit card balances and medical bills. By eliminating these debts, you can improve your debt-to-income ratio, which is a key factor in determining your credit score.
  • Rebuilding credit: After filing for bankruptcy, you can begin rebuilding your credit by applying for secured credit cards or loans, which require a deposit or collateral. By making timely payments on these accounts, you can establish a positive payment history and boost your credit score.
  • Reduced risk: Lenders and creditors view bankruptcy as a way to reduce the risk of lending to you. Since you are no longer burdened by unmanageable debt, you are seen as a more reliable borrower and may be eligible for lower interest rates and better loan terms.

If you are considering bankruptcy as a way to improve your financial situation, contact our El Cajon bankruptcy attorneys today to schedule a consultation and learn more about your options.

Call Today! (619) 853-3009

The Three Types of Bankruptcy

  • Chapter 7 bankruptcy is the most common type. It allows you to discharge most of your debts, including credit card debt, medical bills, and personal loans. To qualify for Chapter 7 bankruptcy, your income must be below the median for California, which currently stands at $38,576. 
  • Chapter 11 bankruptcy is typically used by businesses that want to reorganize their finances. However, individuals can also file for Chapter 11 bankruptcy if they meet certain requirements.
  • Chapter 13 bankruptcy allows you to consolidate your debts and pay them off over 3-5 years with a single monthly payment. This type of bankruptcy is available to people with a steady income, so it is sometimes called the "wage earner's bankruptcy."

Our El Cajon bankruptcy law firm understands filing for bankruptcy can be a difficult decision. Our goal is simple: help our clients find the type of bankruptcy that is best suited to their situation. Every client's circumstances are unique, so to find the best solution for their needs, our team bankruptcy law firm offers consultations to help debtors weigh their options.

Local Bankruptcy Solutions in El Cajon, CA 

Navigating financial difficulties in El Cajon can be particularly challenging, especially with the high cost of living in San Diego County. Our law firm understands the unique economic pressures residents face in this area. Whether you're dealing with mounting medical bills from Sharp Grossmont Hospital or struggling to keep up with mortgage payments in neighborhoods like Fletcher Hills or Rancho San Diego, we are here to help you find a path to financial stability.

We are well-versed in the local resources available to El Cajon residents. For instance, the City of El Cajon offers various community support programs that can provide temporary relief while you work through your financial issues. Additionally, the San Diego County government provides access to financial counseling services that can complement the legal guidance we offer.

One of our clients' most common pain points is the constant harassment from creditors. We know how stressful it can be to receive relentless calls and letters demanding payment. By filing for bankruptcy, you can benefit from an automatic stay, halting all collection activities immediately. This legal provision is particularly beneficial for those in El Cajon who are facing wage garnishments or the threat of foreclosure.


Call (619) 853-3009 today to schedule a consultation with our El Cajon bankruptcy attorney!


We care about your case and we will strive to obtain the best possible result for you.
Our Clients Come First

You can count on him to get the job done and get it done right. I truly appreciate all the work he has done for us over the years. We have been thoroughly satisfied with every outcome.

- C.F.

Andrew went above and beyond to answer my questions and help me over numerous days.

- M.W.
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