When you file for bankruptcy in San Diego you are immediately granted an automatic stay. This puts an end to:

  • Creditor Harassment
  • Foreclosure and Garnishment Proceedings
  • Vehicle repossession

The automatic stay allows you to focus on rebuilding your financial footing in relative peace.

Chapter 7 Bankruptcy vs Chapter 13 Bankruptcy in San Diego

  • Chapter 7 bankruptcy, or liquidation bankruptcy, is a way to get a fresh financial start. With this plan, you will be able to keep most of your personal belongings, while your unsecured debt is discharged. As long as you are current on the payments, you should be able to keep your home and vehicles if that is what you wish to do.
  • Chapter 13 bankruptcy is a debt reorganization plan. With this bankruptcy plan, all your unsecured debts are combined into one monthly payment that you make over 3-5 years. After that time, your remaining consumer debts are eliminated. You may even be able to roll past due mortgage and vehicle payments into the repayment amount, freeing up much-needed funds to make future payments.

Bankruptcy and Your Credit Score

Whether you are in San Diego bankruptcy will affect your credit score, but if you are already having trouble making payments, your credit score has most likely already taken a hit. Fortunately, as soon as one year after filing bankruptcy, you may be able to obtain credit, at which time you can begin working to build your score. Often times people end up with better credit after a bankruptcy filing than they had before.

Contacting a Bankruptcy Lawyer

To learn more about bankruptcy and how it will affect you, contact our bankruptcy attorneys by email or call our San Diego office at 619-232-1206 to schedule a free confidential consultation.

Hay abogado que habla español.

Pursuant to 11 U.S.C. section 528(a)(4) of the bankruptcy code, we are required to state: we are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.



  • Top Corporate Litigation Attorney Nomination, San Diego Daily Transcript, 2012-present
  • Top Real Estate Litigation Attorney Nomination, San Diego Daily Transcript, 2011-present
  • Top Family Law Attorney Nomination, San Diego Daily Transcript, 2013
  • Women In Business Awards Nomination, Orange County Business Journal, 2013


The attorneys atBoyd Law did a great job for me in my Orange County divorce. From the initial consultation on they really set themselves apart. I was into my divorce for over a year and for over $20k when I decided it might be time to seek different representation. There is no shortage of divorce attorneys in Orange County, but finding the best fit for your particular situation can be a challenge. My particular situation involved a prenuptial agreement. My prior attorney had done many things without notifying me and seemed to have almost set my case backwards. The divorce attorneys atBoyd Law listened to what was important to me and went about accomplishing that as efficiently as possible. Their billing was always fair and I never had to wait even an hour for a returned call or email. I worked with Tom Georgianna on my case and would highly recommend him. He got up to speed on my case in lightening time, accomplished more than my two prior attorneys combined, and was great in front of the judge. It is hard to find aggressive representation who can also mediate with the other side so that the divorce eventually does come to an end. I should mention that I had previously gone through two other attorneys before finding Tom atBoyd Law. I retained the first attorney because he seemed nice and his hourly rate was cheap. I got just what I paid for and got nothing accomplished in my favor. Then I went to the other extreme and went to an overly expensive attorney who was too aggressive and never wanted to settle, never returned calls, and got upset when my goals differed from hers. Needless to say, it is so important that you start your divorce off with quality representation. Switching attorneys is an expensive nightmare. If you are looking for a great divorce attorney, I highly recommend you check outBoyd Law in Irvine. My divorce was a complicated one, and I am more than pleased with the outcome Tom Georgianna achieved for me.

San Diego, California

Highly recommended professionals who earned my trust.

San Diego, California

By far this has to be the best divorce attorney in San Diego. This firm helped me through my very nasty divorce. They were extremely professional and very aggressive. I wouldn't hire anyone else. If you want a great family law attorney in San Diego, hire this firm as your divorce lawyer. Highly recommended!

San Diego, California

San Diego attorneysBoyd Law are confident and professional trial attorneys. I trusted them to protect my business and they exceeded all of my expectations. I am very pleased with my civil litigation results and would highly recommendBoyd Law to represent your best interests.

San Diego, California

Boyd Law met all of our Estate Planning needs in a highly professional and timely manner. We would recommend their services without hesitation. Teddy and Jennifer.

San Diego, California