How does bankruptcy work? Can I keep my car in bankruptcy? Can I keep my home "out of" the bankruptcy? Will bankruptcy stop the nasty calls from collectors? Will bankruptcy stop a lawsuit, a judgment, a garnishment, a foreclosure, a repossession? How will bankruptcy affect my spouse? Can you get rid of taxes in bankruptcy? Will I lose any of my stuff? What's the difference between a chapter 7 and a chapter 13? How much do you have to pay each month in a chapter 13? Can you file chapter 7 a second time? Will my employer find out about my bankruptcy? What does bankruptcy do to my credit? Etcetera, etcetera (I like to spell out that word, I like the way it looks).

You may wonder where to find the answers? You can check us out at www.bankonitsd.com. We've taken the time therein to answer many FAQs in detail and in depth. There are answers there on your computer screen. But... they're not strictly YOUR answers. It's not advised to act upon a universal response. It's like those one-size-fit-all caps. They fit some, but not all. Some people just have oddly-shaped noggins... or bankruptcy fact-patterns.

So you've decided to speak with an attorney to find your answers. You peruse the ads and realize there must be 2.6 attorneys per capita in this county of ours. You wish to seek legal counsel, but whom do you call? There are two extremes to watch for.

There's a San Diego phenomenon called the bankruptcy mill. One such mass-client mill is shutting down. The bigger-is-better, ad-blitz model collapsed. And the mill sobriquet fits, like so many factories yielding to cheap imports. Bankruptcy mills offer the minimal attorney contact, anonymity, high prices, and impersonal touch some seek (I kid you not, some clients confess they prefer to be assembly-line material). However, if you seek there an attorney's counsel, you might instead find a sales-pitch. Free consultations are offered by clerks (not attorneys), ready to sign you up now, ask questions later. Prepare to pay upfront if you'd like to see an attorney. And prepare to pay a lot. Big advertising and multiple locations cost big bucks. Saving a gallon of gas, 'cause a satellite office is next door, is not worth the additional 300 gallons you'll pay in attorney fees.*

There's another San Diego phenomenon, I call the "how-can-your-fees-be-so-low lawyer."

Now, our prices are among the lowest in the industry. If you find lower prices, they likely do not entail the considerable scope of attorney representation we offer. If prices you see are too good to be true, you may find that the price advertised was for minimal a la carte service and it'll cost a lot more to get a full entree. Besides hidden fees, excessively low pricing may imply virtual representation by an office-less attorney you don't meet or a one-man operation that lacks the support staff necessary to a thriving practice. If the attorney, rather than a staff member, routinely answers calls, it implies they are preoccupied with clerical duties, unable to devote all attention to the practice of law. Such a set-up is the the opposite extreme of the bankruptcy mill. And extremes are not good.

What you seek is balance: dedicated, individual advice from an attorney, comprehensive representation, and a strong support staff to administer your case. I reckon we fit that mold.

I'm your advocate. When you come in for a free consultation with me, I sit with you personally and offer my professional opinion. You will know me. I supervise every stage of your case and appear at your side at the mandatory meeting with the trustee. I am available for legal consultation throughout your case. Pertinent and complex questions are routed to me immediately so I may timely assess the facts. Yet, I generally do not pick up incoming calls, process payments or compile standard mail and paperwork. I rely upon a seasoned, indispensable staff to handle the considerable administrative and fact-gathering duties that are integral to preparing a successful case for you. My attentions are focused on practicing law and keeping abreast of constant change in judicial opinion. Law is a fluid creature that does not rest. It takes constant application to master it.

If you're seeking attorney representation, but would like an attorney's answers before you pay, then give us a call. We offer free, no-obligation consultation with an attorney whose every word is his reputation.

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*We're located conveniently off the I-15 freeway near the CA-56. We don't park clerks at satellite locations, so if you're not in our backyard, then consider those figurative gallons of gas. Generally, more than one office visit is not mandated, though you're free to drop by when you'd like. We work extensively and patiently by phone, e-mail and mail and accommodate appointments outside your work schedule.

Call: 858-344-0500 or e-mail admin@abramslawsd.com to set an appointment.