Discuss your home and debt together
Clairemont includes the San Clemente and Tecolote canyon areas and several commercial corridors. Wherever you are in the community, the firm offers the same phone or video consultation and a choice of its two published offices.
The Schreiber Law Firm serves Clairemont through its San Diego County practice, with offices in La Jolla and El Cajon. Phone and video consultations let you begin without an office trip. If you move forward, documents are uploaded electronically and the firm arranges an in-person review and signing meeting. Choose the office with Jeff when you schedule.
If protecting a home is your main concern, lead with that question. The right discussion includes both the debts you want to address and the property you want to keep.
Equity and missed payments are different issues
Two homeowners can face very different decisions. One may be current on a mortgage but overwhelmed by unsecured bills; another may be behind and facing a sale date. A mortgage balance, the property's value and the payment history help explain the difference. Jeff reviews the situation before discussing the chapter that may fit.
The firm's property guide introduces exemptions and home and vehicle questions. Chapter 7 does not offer the same repayment approach as Chapter 13. A Chapter 13 plan can provide a way to address overdue mortgage payments, but whether a plan is workable needs a case-specific review. There is no blanket promise that filing protects every property.
Bring the timing into the conversation
If there is a foreclosure notice, say what date it lists. The automatic stay generally affects a pending foreclosure when a case is filed, subject to exceptions. A consultation request alone does not put a sale on hold. For an urgent matter, call and let Jeff explain what can be done in the time available.
It is also useful to identify other pressures alongside the mortgage: credit cards, taxes, medical bills or business obligations. Those details can affect the overall recommendation. Ask about the difference between addressing the immediate collection issue and completing a longer-term bankruptcy process. Read the firm's Chapter 13 page before the appointment if you want a general explanation of repayment plans.
Talk with Jeff about your options
Call 619-933-6057 for a free consultation, or request contact and describe the kind of help you are looking for. Jeff answers his own phone and explains the options in plain English. Attorney fees depend on the chapter and the situation; discuss the cost and available payment arrangements before committing.
For a Clairemont consultation, you can choose phone, video or an office appointment. The firm's usual preparation involves electronic documents and one in-person review and signing meeting. Ask what the process would involve for your case, including anything that needs attention before filing.
This page provides general information. A consultation request does not create an attorney-client relationship or guarantee a bankruptcy result. Please do not submit confidential information through the public form.
