If you're still holding the bag on an income tax debt your ex-spouse drove up, and particularly if you don’t have the wherewithal to repay it, you might be in luck. It doesn’t matter if the tax bill is a result of an understatement of earnings tax on the return, or if it’s just an underpayment of the tax due at the time--you may have a chance of absolving yourself of the obligation for payment. But you’ll have to fight for it.

The IRS doesn’t care if you've got a valid divorce decree and a marital separation arrangement that declares your ex partner is responsible for all previous taxation liabilities—it simply wants to get paid. The IRS’ attitude is: fight it out with your ex, but we’re coming after you.

Published in Bankruptcy Overview
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Filing for Bankruptcy

Filing for Bankruptcy

DO I NEED A LAWYER TO FILE FOR BANKRUPTCY?

The bankruptcy legislation significantly changed in 2005, making information technology much more difficult to register for bankruptcy security. Although you are not lawfully required to have a lawyer file for bankruptcy, consulting with an experienced bankruptcy lawyer will assist you fully understand your choices and avoid potential pitfalls. For instance, failure to get credit counseling before filing or perhaps not providing certain papers to the Court and the Trustee timely will cause your instance to be dismissed. Other problems that could result include losing your house or other property you are attempting to protect, which you otherwise may have been able to protect had you sought out legal advice. There are a quantity of bankruptcy preparer services that advertise that they can prepare and register your petition for you, however, they're forbidden from giving legal advice and they cannot represent you when a problem develops. There are a quantity of pro bono services that may be in a position to help you if you qualify for free appropriate services.

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Attorney San Diego

Attorney San Diego

San Deigo bankruptcy litigation attorney D.J. Rausa uses his knowledge and litigation skills in matters involving tax debts, child and spousal support enforcement actions and consumer bankruptcy. He appears on behalf of clients throughout San Diego and Imperial Counties, advocating for clients in cases involving:

bankruptcy attorney san diego | bankruptcy chapter 13 | bankruptcy chapter 7

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Bankruptcy Chapter 13

Bankruptcy Chapter 13

Chapter 13 bankruptcy is the reorganization of your debt rather than the discharge of debt that falls under Chapter 7. Clients who may not qualify for Chapter 7 bankruptcy may recieve assistance from a San Diego chapter 13 bankruptcy attorney, D.J. Rausa in filing Chapter 13 bankruptcy. If you are not eligable for Chapter 7 bankruptcy, this is usually due to income or your assets.

Bankruptcy Attorney Rausa gives much needed help to clients so they can arrange more time to repay some or all of their outstanding debts, and may be able to renegotiate a discount or reduction in the amount of debt they owe.

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San Diego Attorneys

San Diego Attorneys

Bankruptcy attorney DJ Rausa has over 20 years of experience as a consumer lawyer and he is a pioneer in San Diego bankruptcy law. Being one of the first lawyers in the county of San Diego to help shape legal interpretations of recent federal law changes.

bankruptcy attorney san diego | bankruptcy chapter 13 | bankruptcy chapter 7

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Consolidation Loans

Consolidation Loans

As a consumer, you have options on how to consolidate your loans. Rolling multiple debts into one lower-interest loan may save you a lot of money and make your debt much easier to manage. You should explore all your debt options. Get offers from various lenders for various types of debt consolidation programs. Use online debt consolidation calculators or learn from insightful articles on other debt solutions.

Debt Consolidation Loan Types
Home Equity Loan
Cash-out Mortgage Refinance
Credit Card with Balance Transfer
Personal Loan
Consolidation Loan Advantages
May be able to lower your interest rate
Fewer payments to make each month
Fewer service charges
A variety of loan types to choose from

bankruptcy attorney san diego | consolidation loans | bankruptcy chapter 13

 

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San Diego Bankruptcy

San Diego Bankruptcy

If you want to file for bankruptcy, the first thing you need to know about is where to startt.
We can help you do that. Our San Diego Bankruptcy Attorney will give you an overview of the bankruptcy process in San Diego and connect you with a wide variety of resources (information, products, services, and lawyers) that will help you through the process of bankruptcy.

san diego bankruptcy attorney | bankruptcy attorney san diego | bankruptcy chapter 13 | bankruptcy litigation

 

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Bankruptcy Attorney San Diego

Bankruptcy Attorney San Diego

Bankruptcy is a federal legal status of a person in debt or other entity that is not able to repay the debts it owes to their creditors. In many jurisdictions, bankruptcy is imposed by an order of the court, often initiated by the debtor.

Bankruptcy, however, is not the only legal status that a person in debt or other entity may have, and when we say bankruptcy, it isn't synonym for insolvency. In the United States, bankruptcy is applied more broadly to formal insolvency proceedings.

bankruptcy attorney san diego | bankruptcy attorney | bankruptcy chapter 13

Initial Free Consultation

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Thank you DJ!

I had no idea where to start with my bankruptcy and process. After my first meeting with DJ I felt confident that things were going to go well. He helped guide me through the entire process and time. 

He's very professional and courteous, thorough and extremely knowledgeable. 

I would recommend anyone that needs a bankruptcy lawyer/ student loans. 

Don't have a second thought when choosing DJ Rausa!

stars
Posted by a client - February 15, 2016

AVVO Lawyer Rating is Superb!

Respected Legal Source

D.J. Rausa interviewed by the Wall Street Journal for article on Bankruptcy and Student Loan Debt.

D.J. Rausa is recognized as a legal expert in Student Loan Debt Resolution and the associated Bankruptcy Laws.

Read what D.J. recently told The Wall Street Journal regarding the probable rise in Student Loan Debt Resolution through Bankruptcy.

Client Testimonial

To whom it may concern,
Mr. Rausa is extremely knowledgeable with the complexities of Federal Student Loans.
I went from a thriving career to full medical disability, ending with an SSDI placement. Unfortunately, I lost everything and became unable to continue making the student loan payments, so it was in deferment for over five years. When the SSDI settled I tried to negotiate an affordable payment plan with the loan holders but they refused my efforts, instead demanding over twice the amount I could afford.
I contacted Mr. Rausa and found him to be courteous, responsive and quick to assess my situation. He was sure he could help and took time to answer all questions, which relieved much anxiety. Within months he successfully resolved the debt! With much confidence, I highly recommend Mr. Rausa.
Please contact me if you have any additional questions.
Sincerely,
 CJWaldenSignature
CJW
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