Business Details
28 Years
experience
San Diego Bankruptcy Lawyers You Can Trust
Chang & Diamond, APC, established in 1998, has dedicated over 25 years to providing compassionate and comprehensive bankruptcy legal services in San Diego and Riverside County. Our firm specializes in helping individuals and families overcome financial distress through Chapter 7 and Chapter 13 bankruptcy solutions, debt relief strategies, and foreclosure prevention. With combined experience exceeding 60 years, attorneys Richard E. Chang and Steven J.Diamond prioritize personalized attention, ensuring clients receive expert guidance through every stage of the bankruptcy process. We maintain accessibility for clients outside regular business hours and emphasize transparent communication to alleviate the stress associated with financial crises. Our practice focuses exclusively on consumer bankruptcy law, offering free initial consultations and payment plans to accommodate diverse client needs.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Debt Relief
Foreclosure Prevention
Military Bankruptcy
Tax Debt Resolution
Creditor Harassment Defense
Asset Protection
Loan Modification
Debt Collection Defense
Details
- Year established: 1998
Highlights and features
- Over 30 years of combined experience in bankruptcy law
- Personal attention from actual attorneys, not paralegals
- Accessible after hours and weekends for client convenience
- Specialized expertise in military and senior citizen bankruptcy cases
- Proven track record of successful debt relief outcomes
What people say
Professional and helpful
Quick to answer concerns
Exceptional staff
Stress-free process
Superb representation
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates most unsecured debts through asset liquidation. This option suits individuals with limited income who need immediate debt relief. Our attorneys guide clients through the means test requirements and asset exemption protections to achieve a fresh financial start.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy restructures debts into manageable repayment plans. Ideal for homeowners facing foreclosure, this option allows debtors to retain assets while repaying secured debts over 3-5 years. We help clients create feasible payment plans that meet court requirements.
Military Bankruptcy
Specialized bankruptcy solutions for military personnel protect housing benefits and address unique financial challenges. We leverage California's exemption laws to safeguard military housing allowances while eliminating unsecured debts through tailored bankruptcy strategies.
Debt Relief
Comprehensive debt relief services address credit card debt, medical bills, and collection accounts. Our attorneys evaluate all options including debt settlement, negotiation, and bankruptcy to create customized solutions that stop creditor harassment and reduce financial burdens.
Foreclosure Prevention
Foreclosure prevention strategies protect homeowners through bankruptcy filings and loan modifications. We implement immediate legal protections to stop foreclosure sales while developing long-term solutions for mortgage debt management and home retention.
People
Richard E. Chang
Attorney
Richard E. Chang graduated from DePaul Law School in 1994. With over 25 years of bankruptcy law experience, he specializes in consumer debt relief and has helped thousands achieve financial freedom. He actively participates in community legal education initiatives.
Steven J. Diamond
Attorney
Steven J. Diamond graduated from John Marshall Law School in 1992. As a consumer rights advocate, he focuses on protecting clients from creditor harassment and developing customized debt solutions. He has represented clients in over 1,000 bankruptcy cases since 1998.
Questions
What are the benefits of filing bankruptcy?
Bankruptcy stops creditor harassment, eliminates unsecured debts, prevents foreclosure, and provides structured debt repayment options while protecting essential assets.
How do I qualify for Chapter 7 bankruptcy?
Qualification requires passing California's median income test and completing mandatory credit counseling before filing with the Southern District Bankruptcy Court.
Can I keep my home during bankruptcy?
Chapter 13 bankruptcy allows homeowners to retain property by restructuring mortgage arrears into repayment plans while stopping foreclosure proceedings immediately.
Is legal representation required for bankruptcy?
While self-filing is possible, experienced attorneys ensure proper documentation, exemption protection, and successful court representation for optimal debt relief outcomes.
How long does bankruptcy stay on credit reports?
Chapter 7 remains for 10 years while Chapter 13 stays for 7 years, but many clients rebuild credit within 2-3 years through responsible financial management.
What debt cannot be discharged in bankruptcy?
Non-dischargeable debts include most student loans, child support obligations, recent tax debts, and debts resulting from fraud or malicious conduct.
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