California Bankruptcy Lawyers

Chang & Diamond, APC

Chang & Diamond, APC
16870 West Bernardo Drive
Suite 400

Rancho Bernardo, California 92127

Phone(619) 312-4900 or(800) 718-8118

Law Firm Overview

At Chang & Diamond, APC, in San Diego & Riverside County, California, we work to dispel the stigma of bankruptcy. Many myths still exist regarding bankruptcy declarations—our aim is to clear up the misinformation, inform our clients of the benefits of filing for personal bankruptcy, and provides legal service that is caring and comprehensive.

Our bankruptcy lawyers Richard Chang and Steven Diamond have worked together since 1995, and started Chang & Diamond, APC, their firm in 1998.

We practice out of a central San Diego & Riverside County office with several numerous satellite offices throughout Southern California to maximize our accessibility to a broad range of clients for your benefit.

At Chang & Diamond, APC, we focus our practice on debt relief through personal bankruptcy. We provide all-inclusive client services in the following areas: Chapter 7 bankruptcy; Chapter 13 bankruptcy; recovery from bankruptcy; asset protection and exemptions; foreclosure, repossession, and harassment; and bankruptcy during divorce.

Discover how we can help you find financial security.



Chang & Diamond, APC - Providing services in the following areas of law:

Articles Published by Chang & Diamond, APC

 Considering a Loan Modification? Consider Bankruptcy Instead

The crash of the housing bubble has left many homeowners in homes that are now not worth what was paid for them. The current economic crisis and rise in unemployment are leaving many homeowners with mortgages they cannot afford for houses that they cannot sell.

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 Short Sale vs. Foreclosure

A lot of our clients aren't sure what the effects of losing their real property are. There are several schools of thought. I will only (attempt) to address the differences as they pertain to bankruptcy.

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 Discharge or Non Dischargable, That Is the Question!

It often happens that for one reason or another you owe back taxes. The IRS can be relentless in their pursuit for payment. It may seem like filing for Bankruptcy would get the tax man off your back, but this is not necessarily the case. The Franchise Tax Board and the Internal Revenue Service really don't like to lose money.

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 Creditors May Have to Change Rules as Bankruptcy Numbers Rise

The struggling economy, housing crisis and high national unemployment rate are causing Americans in increasing numbers to seek help from their mounting debt in bankruptcy courts across the nation. With more than 6,000 new filings for bankruptcy protection each day, the numbers are on track to reach more than 1.4 million total filings for 2009 — up from 1.1 total filings last year.

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 Unintended Consequences: Did Bankruptcy Changes Crash the Economy?

A half-dozen years ago, bankers were testifying to Congress about the need for a sweeping reform of bankruptcy law to make it more difficult for Americans to file for personal bankruptcy. They got what they wanted in 2005 with the Bankruptcy Abuse Prevention and Consumer Protection Act.

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 Wage Garnishment and Bankruptcy

Creditors can use various methods to collect on a debt. One of the most effective collection methods is wage garnishment. By garnishing a debtor's wages, the creditor does not have to be concerned with the debtor's willingness to send payments or pay the debt in full.

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