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Collection Abuses, Creditor Harassment Suits.

We are here to protect you from creditor harassment. As soon as you retain our representation, you can rest assured that no more creditors will be legally able to contact you.

Options for Bankruptcy

Michael Doan, Bankruptcy Attorney.
Certified Bankruptcy Specialist, C.B.L.
American Board of Certification

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Just served with a lawsuit. Now What?

Its not uncommon for lawsuits to be filed against debtors after retaining Doan Law Firm and prior to filing Bankruptcy, especially on accounts that have been delinquent for 6 months or longer.  Yet as long the Bankruptcy is filed within two (2) to three (3) months of service of the lawsuit, adverse consequences such as a wage garnishments, bank levies, or real estate liens usually are not an issue.  Moreover, the Bankruptcy eventually resolves the lawsuit(s).  However, waiting too long can definitely be risky.

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Emergency Rules on Evictions and Foreclosures

On April 6, 2020, California Courts issued Emergency Rules on Evictions and Foreclosures.  The Judicial Council adopted  the emergency rules for all California courts. The rules effectively stays all evictions and foreclosures except those necessary to protect the health and safetly of the public.   The new emergency rules are applicable to all evictions and foreclosures in California Courts, whether they are based on a tenant’s missed rent payment or another reason. The new rule will apply to evictions and foreclosures for 90 days from when Governor Newsome lifts the state of emergency related to the COVID-19 pandemic, or until it

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Payroll Protection Program: “Average Monthly Payroll”

On Friday, March 27, 2020, President Trump signed the Coronavirus Aid, Relief, and Economic Security (CARES) Act into law. Part of that Act is the Paycheck Protection Program (“PPP”) which authorizes up to $349 billion in forgivable loans to small businesses, sole professorships, and self employed to pay their employees and/or themselves during the COVID-19 crisis. All loan terms are the same for everyone.  Crucial to the PPP is average monthly payroll.     Essentially, the PPP provides a forgivable loan to businesses based upon average monthly payroll costs for 8 weeks.  Accordingly, the SBA will forgive loans under the PPP

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CORONA-VIRUS DEBT? Pre-Qualify for Bankruptcy

Instead of letting Corona-Virus Debt destroy your finances, Pre-Qualify today for Bankruptcy by a simple phone call and eliminate all your debt troubles. In as little as 30 to 60 minutes, we can Pre-Qualify you for Bankruptcy Relief to eliminate your debt and avoid Corona-Virus Debt!  No office visit is required.  Instead, we offer same day free telephonic consultations!     And while there is virtually a Nationwide Shutdown, Doan Law remains available to file your Bankruptcy Case, 24/7.  As we are all aware, Governor Newsome placed California under lockdown on March 19, 2020 under Executive Order N-33-20, the ‘Stay

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COVID 19 Lockdown: Should I File Bankruptcy?

In response to COVID 19, Governor Gavin Newsom enacted Executive Order N-33-20 on March 19, 2020, which essentially locks down most businesses outside of the  16 federal critical infrastructure sectors. Since many residents in San Diego and across the country are not considered essential, many are now unemployed.   The Covid 19 lockdown is going to affect the entire economy in one way or another, with lasting effects trickling down into all facets of the economy.  Debt relief programs such as bankruptcy, forebearances, and moratoriums on evictions and foreclosures will soon become the new normal.  For many it might be the

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While businesses, restaurants, and other services are shutting down everywhere, Doan Law can still file your Bankruptcy Case, 24/7.  This is because Doan Law has been electronically filing Bankruptcy Cases in the Southern District Bankruptcy Court since before the turn of the Century.  We were one of the first Bankruptcy Law firms in the Nation to file Bankruptcy Cases electronically and the first Bankruptcy Law Firm in the Southern District to file Chapter 7 and Chapter 13 cases under the new Bankruptcy Laws enacted in October 2005.  In no uncertain terms,  Covid-19 is not having any impact on Doan Law’s

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Can you Discharge Income Taxes in Chapter 7 Bankruptcy?

Can You Discharge Income Taxes in Chapter 7 Bankruptcy? The short answer is maybe! Prospective bankruptcy clients may owe income taxes to either the Internal Revenue Service and/or the State when filing for Chapter 7 bankruptcy. Most taxes debts will be excepted from the bankruptcy discharge, meaning these debts will survive the bankruptcy and still be due, but there are limited instances where the tax liability can be discharged in Chapter 7 bankruptcy. It is important to discuss these issues with a San Diego Bankruptcy Attorney thoroughly before filing a Chapter 7 bankruptcy, as often the tax year in question

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Means Test: Passing

The Means Test determines whether you may be eligible for a Chapter 7 discharge and the amount of your Chapter 13 payments. Supposedly, it is the “perfect formula” from Congress to eliminate judicial discretion in Bankruptcy Cases. If you have too much income under the Means Test, then your Chapter 7 may be dismissed if you do not elect to convert to Chapter 13. For this reason, the Bankruptcy Code includes provisions, such as 11 U.S.C. § 707(b), which is intended to prevent debtors from obtaining Chapter 7 shelter if they have an ability to pay their creditors. In a

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Reaffirmation Agreement Policy of Doan Law

In a previous post, we had advised how it has long been Doan Law’s practice to not execute reaffirmation agreements except in very limited circumstances.  Reaffirmation agreements are harmful since they recreate personal liability on dischargeable debt, defeating the primary purpose of filing Bankruptcy in the first place.  Indeed, Bankruptcy Judge Mann recently used sanctions against an attorney to void a reaffirmation agreement with Wells Fargo finding the reaffirmation agreement was entirely unnecessary and failed to account for the debtor’s best interest.  The attorney mistakenly thought the reaffirmation agreement was required to prevent a repossession and improve credit.  HE WAS

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Leveraging Chapter 13 to Stop Foreclosure and Keep your Home

Chapter 13 bankruptcy is a powerful debt solution for those looking to reorganize their debts in such a way as to prevent homes from being foreclosed or a vehicle from being repossessed. The focus of this article will be on using Chapter 13 to save your home. Foreclosure proceedings must immediately terminate upon the filing of a Chapter 13 bankruptcy case, allowing debtors breathing room to submit a plan of reorganization to the court. Generally speaking debtors can use the Chapter 13 bankruptcy process to get current with their lender over a 3-5 year period. For example, if the debtor

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    San Diego Bankruptcy | Orange County Bankruptcy | Inland Empire Bankruptcy

    Overwhelmed with bills and creditors harassing you? Now is the time to get started on the road toward financial freedom!

    The Doan Law Firm is one of the largest family of San Diego Bankruptcy Attorneys and we will help you achieve a fresh financial start. From the moment we meet, you are protected from creditors, while your bankruptcy case is being prepared, or other non-bankruptcy alternatives are put into place. We are here to help you immediately!

    Schedule a free consultation with one of our San Diego Bankruptcy Attorneys today and get started on the road to a debt-free life.

    Chapter 7 | Chapter 13 | Chapter 20 Combo

    By working with one of Doan Law Firm’s San Diego Bankruptcy Attorneys toward filing a Chapter 7, Chapter 13, or even a Chapter 20 Combo, you can rest assured you are getting the best service and results, at the most affordable and guaranteed price. Our Bankruptcy Lawyers will assist you in determining which chapter is right for you, and guide you through the complex Bankruptcy Code of Title 11. To ensure your case runs as smoothly and simply as possible. Since Doan Law Firm has one of only fourteen Board- Certified Bankruptcy Specialists in Consumer Bankruptcy Law, by the American Board of Certification, in the State of California, you can sleep soundly knowing your case will process smoothly. And your assets will be protected, and your debts eliminated.

    Get started today, and stop the harassment from creditors. Unlike most firms that do nothing upon being retained, and unlike the few that take limited defensive measures. At Doan Law Firm we take the offense and actually reverse the playing field, and go after your creditors. Wherein many of our clients actually receive free bankruptcies, and money in their pockets. Creditor harassment and abuse immediately terminates State and Federal Laws are immediately invoked. Lawsuits and counter lawsuits are filed from our quiver of offensive maneuvers, to protect your rights, that creditors and debt buyers do not want you to know about

    Bankruptcy Alternatives

    Interested in pursuing a settlement outside of Bankruptcy Court, or are you looking for some extra legal advice? We offer many bankruptcy alternatives that help you with debt relief.

    At Doan Law Firm, a San Diego Bankruptcy Attorney can determine what non-bankruptcy alternative is right for you. Including debt settlement, collection defense, short sales, mortgage modification, and RFDCPA/TCPA Lawsuits. Our arsenal of non-bankruptcy alternatives may be just what you need, without the need to file for Chapter 7 or Chapter 13 relief. With a Doan Law Bankruptcy Attorney on your side, you instantly retain Doan Law Firm‘s leverage, credibility, and reputation to achieve the best results for your particular needs.

    Post-Bankruptcy Filing Assistance

    We do not stop once your case has been filed and is finalized. The debt relief lawyers of Doan Law Firm are available to help you get back on the right track financially. Even after your debt has been reduced or eliminated. We offer credit counseling and credit repair, after discharge and case closure. To help you get back on solid financial ground with an improved credit score. In most cases, our clients have a better credit and FICO score after retaining us than before.

    File Bankruptcy Online From Home

    Can’t make it in to a Doan Law Firm office location? No worries! Doan Law Firm utilizes the latest state-of-the-art technology, making it easier than ever to file bankruptcy online from the convenience of your home. Many of our busy or home-bound clients complete 100% of their interaction with us over the phone, internet, and mail, without a single compromise. The only place they need to go is to their meeting of creditors.