Harley Feinstein - San Diego Attorney

CALL HARLEY A. FEINSTEIN, A SAN DIEGO BANKRUPTCY ATTORNEY FOR A FREE CONSULT

Tue, 30 Jun 2009 09:14:27 PST

Call me anytime at 760 634 6788 for a free consultation and learn how I may be able to help you to:

*Stop creditor calls immediately with as little as $100.00 down.

*Improve your credit by filing bankruptcy? Come in for an analysis using the CIN system giving you your current credit score and your predicted score after bankruptcy.

* Let me explain to you the differences between Chapter 7 and Chapter 13 Bankruptcy.

*Use Chapter 7 to get rid of your debts but keep all your property.

*Provide help with your foreclosure issues.

*Just file bankruptcy for you and leave your spouse out of it.

*Use Chapter 7 to protect you from being sued by a lender after foreclosure.

*Use Chapter 13 to keep your home but cancel 2nd deed of trust on your home

*Use Chapter 13 to keep your rental property, strip off and cancel all deeds of trust (1st, 2nds, 3rds) to the extent balances exceed value of the property.

*Let me help you with the means test. Take the means test for free to see if you qualify for a Chapter 7 bankruptcy.

*Let me help you with timing. Timing of your bankruptcy is critical. If you file too soon you may have some serious problems.

I invite you to explore this website for more information. Or call me now at 760 634 6788. I'd like to discuss your situation with you.

(Free consultation is only offered for Consumer Cases)

Please read this disclaimer

CHOOSE AN EXPERIENCED AND QUALIFIED SAN DIEGO BANKRUPTCY ATTORNEY

Thu, 04 Jun 2009 10:30:05 PST

You need and deserve a San Diego bankruptcy attorney with 30 years of legal experience. Why accept less that this? I have been representing Southern California consumers since 1979. And, this is the important part: My clients are generally very happy with my services.

Check my rating and reviews on Avvo ("Very Good")

Check me out on the California State Bar site. (I've had no State Bar problems with clients in 30 years of practice)

You can also check me out with San Diego Better Business Bureau. (A+ rating)

And take a look at the Client Reviews on this site.

You will see I am experienced, qualified, and highly rated by my peers and clients.

After you check me out call me for a no obligation free consultation! You can even call me on my cell phone 760 809 5599.

Information about Foreclosure

Tue, 14 Apr 2009 13:47:15 PST

If your property is in danger of going into foreclosure you need to know answers to questions. We can help you understand the process and help you learn what you can do about it.

SOME BANKRUPTCY CONSIDERATIONS IN MARRIAGE AND DIVORCE

Sun, 12 Apr 2009 11:05:05 PST

Are you concerned about losing your property because of debts your spouse incurred? This can be a confusing area. Let me advise you of your rights and liabilities.

DON'T LET YOURSELF BE OVERCHARGED ON YOUR SAN DIEGO BANKRUPTCY. USE A SAN DIEGO BANKRUPTCY LAWYER THAT CHARGES A REASONABLE FEE

Mon, 06 Apr 2009 08:51:34 PST

You deserve an excellent attorney. But you don't want to waste money with a San Diego bankruptcy attorney that overcharges. How much does it cost to declare bankruptcy? We believe our rates are some of the most competitive you will find. We find that people who comparison shop usually go with us.

Our clients in their Client Reviews express their appreciation of the fact that I am one of the most reasonable San Diego bankruptcy lawyers when it comes to fees.

Here's what one client says about my attorney's fees in bankrutpcy:

My husband and I were in dire straits financially. We had discussed possibly filing for bankruptcy, and decided to begin looking for a attorney. We met with a few attorneys and found that many overcharged,and were incredibly impersonal. We felt like just another number, and another paycheck for them.

When we met with Harley, we instantly felt that our situation was important to him, and that we would be well taken care of. When he told us how much it would cost us to file for bankruptcy we were floored by how much less he charged than the other lawyers. It just makes sense to NOT charge and arm and a leg when people are already having financial problems.

BANKRUPTCY AND YOUR CREDIT RATING

Sun, 05 Apr 2009 18:15:00 PST

Most people that consult with a San Diego bankruptcy lawyer ask this question: Will bankruptcy hurt my credit? Or they might ask: Will I be able to get credit after bankruptcy? The common wisdom is that bankruptcy is harmful to your credit. But sometimes the common wisdom is wrong, In fact, a recent study by Federal Reserve Bank of Boston shows that for most people who declare bankruptcy their credit after bankruptcy is better than before.

DEALING WITH VEHICLES IN BANKRUPTCY

Sun, 05 Apr 2009 17:50:08 PST

There are five ways to deal with a car loan when you are declaring bankruptcy. You can surrender the car or let the lender repossess it. You can keep the car and reaffirm the car loan. You may be able to keep the car and "retain and pay". In certain situations you may keep the car and do a "redemption". Read on and get a better understanding what these alternatives mean. Then talk to me, your San Diego Bankruptcy attorney, to see what is best for your situation.

LET US HELP YOU WITH THE MEANS TEST

Sun, 05 Apr 2009 15:11:52 PST

The means test is one of the new bankruptcy laws added in 2005. The means test answers this question: Do I make too much money to declare bankrutpcy? If you "flunk" the means test you won't be able to file a Chapter 7 bankruptcy. It can be as complicated as a tax return You can get an idea of whether you will pass or fail the means test by using one of the online sites where you can take the test yourself. Take the means test.

KEEPING YOUR PROPERTY IN BANKRUPTCY- THE EXEMPTIONS

Sun, 05 Apr 2009 14:58:57 PST

It is possible to lose property in bankruptcy. As your San Diego bankruptcy attorney I will make every effort to ensure that you do not lose any property in bankruptcy. This is done through the careful understanding and use of "exemptions".

CHAPTER 7 VS. CHAPTER 13

Sun, 05 Apr 2009 14:50:40 PST

Many people are confused about the difference between Chapter 7 and Chapter 13. In a Chapter 7 all of your unsecured debts are discharged (except for certain nondischargeable ones such as student loans and most taxes). But in a Chapter 13 you have to pay a portion of your unsecured debts over a time period. So why would anyone do a Chapter 13?

WHO SHOULD CONSIDER BANKRUPTCY?

Sun, 05 Apr 2009 13:21:06 PST

Many people are giving thought to whether they should consider filing for bankruptcy. What are some of the reasons to declare bankruptcy and what can bankruptcy accomplish for you?

CAN BANKRUPTCY HELP ME SAVE MY HOME OR OTHER PROPERTY?

Sun, 05 Apr 2009 13:20:01 PST

Read about how you may be able to use Bankruptcy as a tool to help you save your home.

THE BANKRUPTCY HEARING

Sun, 05 Apr 2009 09:52:03 PST

Clients usually ask if they have to go to court in connection with the bankruptcy. Only in rare cases does the client have to go to court in a bankruptcy.

But the client always has to attend a hearing before a bankruptcy trustee. This hearing is around 4 - 6 weeks after we file the bankruptcy petition. It is called the 341(a) hearing or the "Meeting of Creditors". The policy of my office is that I, or another San Diego Bankruptcy attorney, familiar with your case always attend and represent you at the hearing. I arrive prepared with all the documents I think the trustee might ask for at the hearing. You can relax knowing you are well represented.

KEEP YOUR VEHICLE AND LOWER THE PAYMENTS

Sat, 04 Apr 2009 20:01:41 PST

Does this describe your situation:

You may owe far more on your car than it is really worth. You want to keep your car, even after you have filed for bankruptcy. You need it.
Normally, lenders do let you keep your car, but demand and impose full payment on your current loan.

A REDEMPTION may be your solution.

NOTIFYING CREDIT REPORTING AGENCIES

Sat, 04 Apr 2009 19:43:20 PST

Bankruptcy can improve your credit by cleaning up your credit report. But in order to get all that bad information off your credit report your attorney needs to notify each credit reporting agency of the bankruptcy. Not all attorneys do this.

GET YOUR INTEREST RATE LOWERED

Sat, 04 Apr 2009 19:18:50 PST

Are you paying an excessive rate of interest on your car or mortgage? In a chapter 13 bankruptcy, in certain cases, we can do a "cramdown". As part of that procedure we can have the interest rate lowered to a reasonable rate.

DISCRIMINATION AGAINST PEOPLE WHO DECLARE BANKRUPTCY

Sat, 04 Apr 2009 18:58:34 PST

Many people are concerned that there is a stigma associated with filing for bankrurpcy. Some people are worried that if their employer finds out they could be fired. But there are powerful laws prohibiting such discrimination. I, as a San Diego Bankruptcy Attorney, can explain your rights to be free from discrimination after filing for bankruptcy.

BANKRUPTCY MYTHS

Sat, 04 Apr 2009 18:46:14 PST

There are myths concerning bankruptcy. One myth is that your credit score invariably decreases after you file bankruptcy. Check this video from a news program for an interesting report. You need to speak to me, a San Diego Bankruptcy Attorney to help dispel these myths.

CREDITORS OMITTED FROM BANKRUPTCY

Sat, 04 Apr 2009 17:28:22 PST

Let your San Diego Bankruptcy Attorney help you avoid leaving creditors off the bankruptcy petition. We have some really good methods to help you avoid leaving any creditors out. But don’t worry if you accidently leave one out we can help you avoid any problems.

ONE SPOUSE ONLY FILING

Sat, 04 Apr 2009 16:54:27 PST

In some cases only one spouse needs to file for bankrutpcy. This can allow one spouse to keep his or her credit clean while the other spouse gets the debts discharged. This can be an excellent plan for many couples. Your San Diego Bankruptcy Attorney can advise you whether one-spouse-only bankruptcy makes sense for you.