San Diego Bankruptcy Attorney

Guiding Individuals Through the Bankruptcy Process with Strategic Legal Insight

San Diego residents burdened by debt often face more than just late fees and collection calls. With one of the highest costs of living in California, many individuals fall behind on credit cards, car loans, and mortgage payments despite working full time. In a city where housing, healthcare, and everyday expenses continue to rise, financial relief can feel out of reach. At the Law Offices of Andrew H. Griffin III, we help residents of San Diego understand their legal rights under Chapter 7 and Chapter 13 bankruptcy. We assist clients at every stage of the process, from exploring filing options to managing an active case, offering guidance informed by our experience with the U.S. Bankruptcy Court for the Southern District of California.

If you’re ready to explore your options, we invite you to contact us at (619) 853-3009 for a consultation and take the first step toward financial stability.

Chapter 7 and Chapter 13 Bankruptcy Services in San Diego, CA

Chapter 7 and Chapter 13 are the most common types of personal bankruptcy filings. Understanding how each one works in San Diego helps you make better decisions early in the process.

• Chapter 7 bankruptcy offers a faster discharge for individuals with limited income and high unsecured debt. It may require asset liquidation, though California’s exemption laws often protect most property.
• Chapter 13 bankruptcy provides a structured repayment plan for those with a steady income. This option is helpful for San Diegans behind on mortgage payments or who want to retain valuable property.

Our team helps you determine eligibility and select the right chapter based on your income, debt type, and future financial goals.

What to Expect After Filing Bankruptcy in San Diego

Once your case is filed with the Southern District of California Bankruptcy Court in downtown San Diego, an automatic stay immediately stops most debt collection actions. This includes foreclosure, repossession, wage garnishment, and lawsuits.

The next step is attending a 341 meeting of creditors, which typically takes place within 30–45 days. In San Diego, these meetings are often held via telephone or video conference. We help you prepare for this meeting, which allows the trustee to review your documents and ask basic questions about your finances.

How to Manage a Chapter 13 Bankruptcy Repayment Plan in San Diego

If you’re currently in a Chapter 13 case, making regular payments to the trustee is required. These payments begin 30 days after filing and continue throughout your 3–5 year repayment term.

To stay in good standing:

• Make all plan payments on time
• Notify the trustee or your attorney of any changes in income or expenses
• Submit annual tax returns and income updates as requested

San Diego trustees monitor compliance closely. We assist clients with plan modifications, hardship requests, and communication with the trustee’s office.

Understanding Which Assets Are Exempt in a California Bankruptcy

California offers two sets of exemptions to help protect your property when filing for bankruptcy. In high-cost areas like San Diego, this protection is essential, especially when dealing with home equity or valuable personal property.

Common exemptions include:

• Homestead exemption (up to $678,391 based on your ZIP code)
• Personal property (household items, tools of the trade)
• Retirement accounts and Social Security income

Choosing the right exemption system can affect your ability to keep your home or vehicle. We walk you through your options and apply local property values when building your case.

Rebuilding Credit After Bankruptcy in San Diego

Life after bankruptcy comes with new financial opportunities. While your credit score may drop initially, many people begin rebuilding within months of discharge.

Steps for San Diego residents to improve credit include:

• Applying for secured credit cards
• Paying bills on time, including rent and utilities
• Monitoring credit reports for errors
• Building an emergency fund to avoid new debt

We provide tips and resources to help clients restore their credit and take control of their finances after the case ends.

Mistakes to Avoid During an Active Bankruptcy Case in San Diego

Your financial decisions during bankruptcy are closely monitored. San Diego trustees review account activity, asset transfers, and income changes throughout your case.

To avoid delays or dismissal:

• Do not take out new loans or open credit cards
• Avoid repaying friends or family members
• Notify your attorney about any job changes or side income
• Do not transfer property out of your name

Our office provides ongoing support and guidance so you can stay on track.

Schedule a Consultation with Our San Diego Bankruptcy Lawyer

At the Law Offices of Andrew H. Griffin III, we help San Diego residents at every stage of the bankruptcy process. Whether you are considering filing or need help managing an ongoing Chapter 13 case, our San Diego bankruptcy attorney offers clear legal guidance rooted in local experience. Many of our clients describe feeling a renewed sense of clarity and relief after working with our team—often highlighting our responsiveness, compassion, and thorough understanding of the process.

Call us at (619) 853-3009 or fill out our contact form to schedule your consultation. We proudly serve clients throughout San Diego County.