Unlike other firms, our representation does not terminate upon discharge.  Rather, not only do we want to make sure that your creditors never contact you again, but also that your credit scores start improving. Although a Chapter 7 or Chapter 13 Bankruptcy may remain on your credit report for 10 years, that does not mean you cannot have excellent credit much sooner.  In fact, you can generally have GREAT CREDIT in 1 to 2 years! Once your case is over, we start the Credit Report Cleaning Process.  In most cases, the Bankruptcy will instantly improve your credit and increase your credit score.  Yes, in 80% of the cases

So many people think that after Bankruptcy, their credit is forever ruined and they will never get a credit card again. Nothing could be further form the truth.  In fact, many creditors actively solicit discharged debtors for credit cards again.  For example, each day the Carlsbad office receives numerous letters from Capitol One on recent discharges.  The typical offer states,   “You’re working to get back on track–trying to stay on top of your bills and monitoring your finances.  Apply today to enjoy the advantages of this Capitol One Platinum MasterCard offer: * No Annual Fee * 0% Intro APR

Did you know that you may have unclaimed money floating out there?  In Bankruptcy, all assets must be disclosed.  But sometimes debtors are unaware that they have certain assets.  This can often come as a pleasant surprise!   The State of California maintains a website for individuals to search for the unclaimed property it has in its possession.  Currently almost 18 million Californians are unaware of the $6.1 Billion the state is presently holding in trust for them.   Simply do a search at this website and fill out the forms to make your claim!  Or, please contact us and