Chris Bush

Chris Bush

With over 12 years of experience and thousands of cases as a consumer bankruptcy attorney, Chris Bush is on the cutting edge of Bankruptcy and Student Loan Law. Chris can assist you in untangling the options to find the best solution for your specific debt relief case.

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Attorney Chris Bush advises clients on their debt relief options. Contact him for answers to your specific questions about Chapter 7 bankruptcy or Chapter 13 debt reorganization, or call to request a free consultation: (619)295-3322.

Frequently Asked Questions

What can bankruptcy do for me?

Bankruptcy is an option when you owe more money than you can be expected to pay in the near future. We have come a long way since the time of debtor's prison when your creditors could have you jailed until you paid a bill. Today, the law allows an honest debtor to have a court "discharge" or cancel most or all of his or her debts in order to make a fresh start. This form of bankruptcy is sometimes called "straight" bankruptcy, or Chapter 7 bankruptcy.

You can use bankruptcy to discharge your debts no matter how you got into debt as long as you were honest. Perhaps you or your spouse lost a job and have not been able to pay your rent or make your car payments for several months. Or perhaps you have been unable to make your credit card payments due to a divorce, or you have medical bills as a result of an illness or injury.

Chapter 7 bankruptcy usually means that most, and sometimes all, of your debts will be canceled. Except for debts that you must pay. Going through bankruptcy generally stops your creditors from "garnishing" or taking your wages. This means your employer cannot be forced to give part of your salary to your creditors to help pay off your discharged debts.

Bankruptcy, however, will not solve all of your money problems. If you are out of work, bankruptcy can cancel your old debts, yet you still must find a way to pay new bills and ongoing expenses.

What happens to my property when I go through bankruptcy?

Most of your possessions will be exempt under the law, which means they cannot be sold to pay your creditors. We will help you make a list of your exemptions. If the Trustee or your creditors object to any items on the list, the court will hold a hearing.

If my loan payments are discharged, will my co-signer have to pay?

Yes. A co-signer is a person who made a legal agreement to pay off your debt if you fail to do so. And, he or she is responsible for the debt even if you file Chapter 7 bankruptcy. Your creditors cannot ask your co-signer to pay off a loan if you have a Chapter 13 plan.

Can all my debts be discharged or cancelled?

Bankruptcy filings can address many of your debts, including credit card bills, medical bills and loan payments. But the law says that some debts cannot be discharged even if your creditors do not object to having them canceled.

Debts that are rarely discharged:

  • Most income taxes and related penalties and interest.
  • Student loans unless a bankruptcy judge rules that repayment will be too difficult for you or your family.
  • Any domestic support obligations.
  • Debts that arise as a result of willful or criminal activity.

How long does it take to go through bankruptcy?

After your bankruptcy papers are filed, you can stop paying your creditors even though your debts will not be discharged for about four months. However, if any creditor objects to have a debt canceled, it may take longer.

Approximately 30 days after your bankruptcy papers are filed, a "meeting of creditors" is held. Creditors do not have to attend because they are represented by the Trustee. You must be present and testify under oath. The Trustee and any creditors who attend the meeting can ask questions about your assets. You must be honest. Your discharge may be denied if:

  • You lied about your assets.
  • You intentionally gave false information on the bankruptcy forms or to the Trustee, such as purposefully failing to list a creditor.
  • You failed to obey a court order.
  • You transferred or hid an asset to keep your creditors from getting paid.
  • You failed to provide any requested documentation.

Once the judge has decided any disputes between you and your creditors, your debts will be discharged within 90 days.

How do I start a bankruptcy action?

You will have to file a bankruptcy petition with court fees with the nearest United States Bankruptcy Court.

Additionally, you must provide substantial information on the bankruptcy petition. For instance, you will need to provide information concerning your income, bank accounts, tax returns, real estate, personal property and much more. You will be required to provide tax returns, bank statements, pay stubs and other financial records.

Can I file straight bankruptcy at any time?

Yes, as long as your debts were not previously discharged in a Chapter 7 less than eight years ago.

As soon as you file the proper bankruptcy documents in court, you can stop making payments on your old bills, except for alimony and child support. This is allowed even though your debts may not be canceled officially for several months, although this may not apply to most secured debts.

The law says your creditors are not allowed to garnish your wages, repossess collateral or sue you without court permission. They cannot bother you with letters or telephone calls asking for payment. If your creditors do not believe that you have filed bankruptcy, ask them to call your lawyer or check with the bankruptcy court.

What if I have a major debt problem before all my debts are paid?

You might have a long illness or lose your job. You can switch from a Chapter 13 debt reorganization plan to a Chapter 7 bankruptcy filing. When you file straight bankruptcy, the court may cancel some or all of your remaining debts.

What if I just need more time to pay my debt?

An alternative to a Chapter 7 bankruptcy is a Debt Reorganization Plan or Chapter 13. These plans allow you to pay off part or all of your debts over a period of time under court supervision. These plans can be completed anywhere between three and five years.

You can use a Chapter 13 plan if you have steady income. This means you can be a wage earner, the owner of a small business or someone who receives a pension, Social Security or welfare benefits.

Once you file under Chapter 13, all court actions stop and cannot proceed without bankruptcy court approval. Creditors also are not allowed to write or telephone you demanding payment.

Have more questions about whether bankruptcy is right for you? Contact San Diego bankruptcy attorney Chis Bush at (619)295-3322 to schedule a free initial consultation.

Free initial consultation * Available 24 hours a day * Evening and weekend appointments possible

San Diego, California, Bankruptcy Litigation Lawyer with over 12 Years of Bankruptcy Experience in California

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

Attorney Bush advocates for individuals and families consumed by debt after dealing with catastrophic medical bills, job loss, and other factors. Contact him today to discover whether you qualify for debt relief through Chapter 7 or Chapter 13 bankruptcy.

Contact a San Diego Tax Debt Relief Attorney

During a free initial consultation, attorney Bush will address your pressing financial concerns and advise you on the new bankruptcy law myths.

  1. Contact Mission Valley tax debt relief lawyer online or call us at (619)678-1134 to discuss your financial situation.

Free Initial Consultation *

Car Repossession & Bankruptcy in San Diego

Attorney Chris Bush is committed to helping clients avoid car repossessions through filing Chapter 7 or Chapter 13 bankruptcy. He advocates for clients to keep their vehicles with a bankruptcy automatic stay. This helps protect clients from creditors and creates repayment options based on their financial situation.

San Diego attorney Chris Bush keeps himself educated with recent Bankruptcy Law trends and changes as well as any recent Court Decisions that can impact his clients. He understands the current bankruptcy laws and can help you discover what debt relief option is best for you.

Bankruptcy Is Always an Option for Consumers

Contact a San Diego bankruptcy lawyer to schedule an initial consultation. You still have the right to a fresh start. Attorney Bush will work hard to protect that right. Call us toll free at (619)295-3322.

Mission Valley & San Diego Bankruptcy and Income Tax Relief Lawyer

Although federal or state tax debt can present special difficulties for bankruptcies, attorney Chris Bush can help clients understand their specific options. Some tax debts cannot be discharged, and some or all of the debt will need to be paid after the bankruptcy has concluded.

If federal or California tax debt worries are weighing on you, your family or your business, contact Chris Bush to learn about your options. He can devise a strategy to help you achieve the highest level of tax relief possible.

Speak with Bankruptcy Attorney Chris Bush

During your attorney consultation, please bring any letters you have received regarding your tax debt as well as your own tax records. You will find out what options are available to reduce or eliminate your tax problems. Attorney Chris Bush, will work hard to obtain a fresh start for you. Contact him today to schedule an initial consultation. Call (619)295-3322.

Free initial consultation * Available 24 hours a day * Evening and weekend appointments available

Understanding the Truth About Short Sales | San Diego Attorney | Mission Valley Attorney 

Avoiding More Trouble. Avoiding Short Sales.

Short sales may seem like a promising option for homeowners who want to avoid foreclosure. A bank may even agree to sell the property at a loss. However, while the bank and realtor receive some benefits — they do not have to pay large foreclosure fees — the short sale process rarely benefits homeowners. It only accelerates the time the homeowner has to move out.

San Diego Foreclosure Lawyer

San Diego foreclosure lawyer Chris Bush works closely with clients to stop foreclosures and provide relief from other real estate debt challenges.

Circumstances That May Lead to Foreclosure

Clients who are facing foreclosure are frequently victims of unforeseen circumstances. They may have suffered a serious illness and been unable to work. The house may have required essential and expensive repairs. They may have been victimized by predatory lenders. They may have borrowed money against a home that is now worth less than they owe. San Diego foreclosure attorney Chris Bush can help stop foreclosure proceedings and give clients a chance to address their financial problems.

Divorce and Domestic Support Obligations

Divorce and Domestic Support Obligations are determined under state law. Typically, where there is a state support or divorce court order, a bankruptcy court will not disrupt the state court order.

Divorce Proceedings:

The filing of a bankruptcy does not automatically stop a proceeding in divorce court from continuing. Only under certain circumstances will a bankruptcy proceeding impact a divorce proceeding.

Do I Qualify for Bankruptcy?

If you are considering filing for bankruptcy, the first question you should ask yourself is: do I qualify for bankruptcy? Attorney Chris Bush can help you determine the answer to that question and whether bankruptcy is right for you.

San Diego personal bankruptcy lawyer Chris Bush has developed a law practice focused exclusively on helping individuals and families find debt relief. His arguments in several California courts have influenced bankruptcy case law and he is regionally known as a lecturer on bankruptcy law. Contact him today to speak to learn about your options.

San Diego Debt Negotiation and Reorganization Attorney

Filing for bankruptcy is not for everyone. Bankruptcy attorney Chris Bush helps clients negotiate with their creditors to reduce or reorganize their debts outside of the bankruptcy process. With over 12 years of experience as a California consumer bankruptcy attorney, Chris Bush is an assertive negotiator. He has handled countless debt negotiations and reorganizations for clients throughout California.

To learn more, schedule a free consultation with a San Diego debt negotiation and reorganization lawyer.

Why Do I Need an Attorney?

Many individuals attempt to negotiate with their creditors on their own. However, they often find themselves up against a wall. Creditors are much more likely to respond to an attorney's call. They are also more likely to agree to a better settlement when an lawyer is present at the negotiation table.

For the best results with debt negotiation and reorganization, you need an advocate who knows the system. Our attorneys at Debt Doc know creditors, know the law, and know what to do to get results. When you have extensive debts and would like to protect your family's assets, turn to them.

Debt Workouts and Debt Consolidation

In the best cases, a debtor will be able to negotiate a permanent reduction in the debt he or she owes a creditor. Known as a debt workout, creditors often agree to debt reduction if a debtor would be able to remove the debt completely in Chapter 7 bankruptcy.

In other cases, the creditor will negotiate a debt consolidation with the debtor. Debt consolidation allows the creditor and debtor to reorganize debt through extended payment plans.

Attorney Bush has experience successfully negotiating debt workouts and debt consolidation plans for individuals with overwhelming debt. When you want relief from credit card debt, home mortgage payments, medical bills, court judgments and more, our attorneys at Debt Doc can help.

When Is Bankruptcy a Better Debt Relief Option?

While debt reorganization is a promising option for many individuals, it can also lead to consequences, such as higher taxes. In some cases, the creditor may not be willing to reorganize or consolidate debt. Attorney Chris Bush can help you understand all of your options for debt relief, including determining whether you can and should file for Chapter 7 or Chapter 13 bankruptcy.

Contact a Mission Valley Credit Card Relief Lawyer

Contact our debt negotiation and reorganization lawyers at (619)295-3322. Consultations are available by appointment during regular business hours of 10 AM to 6 PM.

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Auto Loan Delinquency Rising

Late Car Payments?

The number of people 90 days late in car payments approaching peak levels since the subprime crisis of 2010.

If you’re late on your car payments, come in for a Chapter 13 consultation!

Compassionate. No-nonsense. Great job. Saved me $85K!

I had three choices: two large groups, or DebtDoc. I chose DebtDoc because of their numerous excellent reviews from clients as well as other attorneys. Also, I wanted someone to provide personal service and have a vested interest in my difficult student loan case.

I certainly made the right choice. DebtDoc's attorneys personally answered two of my phone calls and regularly answered my emails, even on one Sunday evening.

After 30 years of student loan "prison", he got me freedom AND he even got the US Dept. of Justice to dismiss 25% of my loans, which saved me $85K.

I feel like I have a new lease on life because of DebtDoc. I wish I could recommend 10 stars.

Client Testimonial

To whom it may concern,
DebtDoc's attorneys are 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 DebtDoc and found them to be courteous, responsive and quick to assess my situation. They were sure they could help and took time to answer all questions, which relieved much anxiety. Within months they successfully resolved the debt! With much confidence, I highly recommend DebtDoc.

Clients with Student Loan Debt

Clients with Student Loans

Some information I need to evaluate your Student Loan options is contained in your National Student Loan Data System Report. Instructions for obtaining this report are available on my web site at Simply print/save the reports as a PDF, of all pages. Please DO NOT "DOWNLOAD" THE REPORT from the link - this creates a text file that is very difficult to read; please print the web page as a PDF file - the summary page of all loans AND the individual reports for each loan. Samples of these pages can be viewed by clicking the respective links in the previous sentence. I look forward to reviewing this report with you and assisting you with the management of your Student Loan debt.

I have prepared a brief questionnaire for you to fill out to provide me most of the information I will need. Please click this questionnaire link and provide me with the information listed. I would also like to see copies of your most recent pay stubs or other income information.

My office is located at 2727 Camino Del Rio South, Suite 135, San Diego, CA 92108. The main entrance to the building is on the right/west side. I am on the first floor; when you enter the building, turn right and I’m in the suite at the second door on the left. If the suite door is locked, please call or text at 619-678-1134 and I will let you in. (Unfortunately, I usually can’t hear a knock at that door.) I look forward to meeting with you and assisting you on your path back to financial freedom.