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Last updated on March 21, 2024

For many people, bankruptcy seems like the last resort, the worst possible thing that could happen to someone. But it’s not. In fact, filing for bankruptcy is quite common. People get into extreme debt situations and they simply can’t afford to keep up with their monthly payments. Regardless of whether or not bankruptcy is your last resort, you are almost certainly reading this page because you are facing serious debt problems. You need help.

I can help. At The McMillan Law Firm, APC, I help clients just like you get out from under serious debt problems every day. Serving clients in La Mesa and the surrounding area of California, I bring a wealth of experience, knowledge and a straightforward approach to every debt-relief case I handle. When you can’t get out of debt, I can help.

When Do You Need To Call A Bankruptcy Attorney?

It is simple to determine when you need to consider bankruptcy as an option. When your monthly income is not enough to cover your monthly debts and expenses, you need to consider bankruptcy.

Some sure signs that you are in serious financial trouble can include:

Wage garnishments
Foreclosure notices
Collections calls, texts and emails

If you are dealing with these collections actions, talk with a lawyer today.

How Can A Bankruptcy Attorney Help You

First, a bankruptcy lawyer can help you determine whether bankruptcy is the right choice for you. With my knowledge and experience, I can look over your financial documents and give you the straight answer about what the best approach would be in your situation.

Second, an attorney can help you with the initial bankruptcy filing. As soon as you file for Chapter 7 or Chapter 13 bankruptcy, the automatic stay goes into effect. The automatic stay is a stop-collections order that prohibits collectors from coming after you through the duration of the bankruptcy proceedings.

Finally, a bankruptcy lawyer can walk you through the process and protect your interests while you obtain long-term financial relief through bankruptcy.