California Bankruptcy Law Attorney
Law Offices of John C. Colwell - Debt Relief Legal Clinic122 Escondido Avenue
Vista, California 92083
Contact Law Offices of John C. Colwell - Debt Relief Legal Clinic
Law Firm Overview FREE CONSULTATIONThe Debt Relief Legal Clinic was started in 1975 by attorney George Ritner, to help people throughout Southern California and San Diego County find the right legal solution to their debt. In July of 2000, after being an associate at the firm since 1989, attorney John C. Colwell became the owner of our firm. Since that time, we have become the first and largest filer of electronic consumer bankruptcies in San Diego County bankruptcy courts. With locations in San Diego, Bonita and Vista, we are accessible throughout the county.
Attorney John C. Colwell and the rest of his staff at the DRLC are dedicated to helping you find the right solution to solving your debt problems. Helping clients throughout Southern California and San Diego County get the debt relief they deserve through bankruptcy since 1975, our entire practice is dedicated to making your life better. When you don't have to worry about overwhelming debt, you can spend more time on the important things in life. Let us explain how the new bankruptcy laws can work for you.
Helping clients throughout Southern California and San Diego County get the debt relief they deserve through bankruptcy since 1975, our entire practice is dedicated to making your life better. When you don't have to worry about overwhelming debt, you can spend more time on the important things in life. Let us explain how the new bankruptcy laws can work for you. An experienced bankruptcy lawyer can help you get a fresh start. Our firm has been helping clients find solutions to their debt continuously for over 30 years. With offices in San Diego, Bonita, and Vista, we are ready to provide all of San Diego County residents with simple and straightforward advice.
Areas of Law
Areas of Law Description
Whether you are looking for a way to save your house or you just want a fresh financial start, we will help you get the debt relief you deserve through one of the of the following:
- Chapter 7 Bankruptcy
Think about the freedom you would have if you did not constantly worry about paying back credit cards, medical bills or other personal debts. Chapter 7 bankruptcy (sometimes called "liquidation bankruptcy") is designed to give you a fresh start. If you qualify for Chapter 7 bankruptcy, many of your debts can be wiped away. You will probably even be able to keep your home and car. After Chapter 7 bankruptcy, you can owe less money to creditors than you are bringing home in your paycheck. Your income can be greater than your debt!
- Chapter 13 Bankruptcy
For those who don't qualify for chapter 7 "liquidation" bankruptcy or who have assets that they want to protect, chapter 13 "reorganization" bankruptcy is a good alternative. Chapter 13 bankruptcy lets you create a debt repayment plan to pay off your debts over a 36 to 60 month period. This is especially helpful when you have debts than cannot be discharged through chapter 7 bankruptcy like: Home mortgage, Car loans, Student loans, Child support, Alimony (spousal support), and, Taxes. This kind of bankruptcy also has more flexibility than chapter 7. As long as you keep up with your monthly plan payments, you typically do not have to repay the full amounts of your debt. Once your plan ends, you can begin to rebuild your credit score. Your income can be higher than your monthly debts. Contact us to schedule a free initial consultation and start down the road to debt relief.
- Bankruptcy Alternatives
Debt consolidation and debt negotiation are also effective ways to get debt relief, but be careful. There are many disreputable debt consolidation and negotiation companies out there. We can help you identify those companies and weigh the risks and benefits of each option.
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