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Law Offices of Roberto Robledo in San Diego, CA
San Diego bankruptcy attorney offering Chapter 7, Chapter 13, debt settlement negotiation, and debt collection defense with 18 years of experience.
Data compiled from public sources · Rating from CreditDoc methodology
Law Offices of Roberto Robledo Review
Founded in 2008, the Law Offices of Roberto Robledo is a legal practice based in San Diego, California, specializing in consumer bankruptcy and debt-related matters. Lead attorney Roberto Robledo is a San Diego native who graduated from San Diego State University (2003) and Northwestern University School of Law (2007), bringing over a decade of hands-on experience in consumer finance law. The firm operates from their office at 3919 30th Street in San Diego and maintains business hours Monday through Friday, 8:00 AM to 5:30 PM.
The firm's primary service offerings include guiding clients through bankruptcy proceedings, negotiating debt settlement solutions with creditors, and taking legal action against illegal debt collection practices. According to their profile, they handle appeals, arbitration, class actions, litigation, and mediation matters. Their stated mission is to help individuals overcome financial difficulties while protecting them from harassment by debt collectors, banks, and lenders—a dual focus on both bankruptcy relief and consumer protection.
What distinguishes this firm is Roberto Robledo's long-term local presence in San Diego and his specific focus on protecting consumers from illegal debt collection tactics, not just filing bankruptcies. The firm's emphasis on negotiated debt settlement alongside bankruptcy suggests a flexible approach tailored to individual circumstances. They actively solicit client inquiries through their Lawful directory listing and offer free, no-obligation consultations via message or call request.
As a small law practice with no verified client reviews on Lawful yet, potential clients should request references directly from the firm before committing. While the attorney's education and experience are clearly documented, the lack of online reviews means reputation cannot be independently verified. The firm's service model relies on direct consultation, meaning pricing and availability require individual inquiry.
Services & Features
Appeals in bankruptcy and consumer debt matters
Arbitration representation
Chapter 13 bankruptcy filing assistance
Chapter 7 bankruptcy filing assistance
Class action participation
Creditor negotiation and settlement discussions
Debt collector harassment litigation
Debt settlement negotiation with creditors
Defense against illegal debt collection practices
Free initial consultations
Litigation representation in debt disputes
Mediation services
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- 18 years in business with established local presence in San Diego since 2008
- Lead attorney Roberto Robledo holds law degree from Northwestern University School of Law (2007)
- Offers dual focus on bankruptcy filing AND illegal debt collection defense, not just filing
- Provides free, no-obligation initial consultations through Lawful messaging system
- Handles diverse legal approaches including appeals, arbitration, litigation, and mediation
- Negotiates debt settlement solutions as alternative to full bankruptcy proceedings
- Local San Diego native attorney with decade-plus hands-on experience
Cons
- No verified client reviews available on Lawful platform yet, making reputation unverifiable
- Pricing listed as 'contact for price' with no transparency on fee structure or ranges
- Limited online presence and marketing suggests smaller practice with potentially limited resources
- No information provided about success rates, case outcomes, or client testimonials
- Closed weekends and some weekdays (Saturday/Sunday), limiting accessibility
Rating Breakdown
Value 5.0
Effectiveness 3.5
Customer Service 3.7
Transparency 3.5
Ease of Use 3.9
Frequently Asked Questions
Is Law Offices of Roberto Robledo legitimate?
Yes. Law Offices of Roberto Robledo is a registered company, headquartered in 3919 30th St Ste 105, San Diego, CA 92104.
Quick Facts
- Headquarters
- 3919 30th St Ste 105, San Diego, CA 92104
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Law Offices of Roberto Robledo
This firm is best suited for San Diego residents who need bankruptcy filing assistance or consumer protection against illegal debt collection, particularly those seeking a local attorney with specific experience in both Chapter 7/13 filings and debt collector defense. The main caveat is the complete absence of verified client reviews or published pricing, requiring potential clients to request references and detailed fee information directly before retaining services.
Best For
- San Diego residents facing Chapter 7 or Chapter 13 bankruptcy filing who want local representation
- Consumers being harassed by debt collectors or facing illegal collection practices
- Individuals exploring debt settlement negotiation as an alternative to bankruptcy
- Those seeking a free initial consultation to evaluate bankruptcy eligibility and options
Updated 2026-04-29
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Read guide →Financial Terms Explained (14 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
How Loans Work
Default — Loan Default
When you fail to repay a loan according to the agreed terms — usually after 90-180 days of missed payments. It's the point where the lender gives up on collecting normally.
Why it matters
Default triggers severe consequences: credit score drops 100+ points, the debt may be sent to collections, you could be sued, and your wages or assets could be seized.
Example
You miss 4 consecutive car payments. The lender declares your loan in default, repossesses your car, sells it at auction for $8,000, and you still owe the remaining $5,000 (called a deficiency balance).
Legal Terms
CFPB — Consumer Financial Protection Bureau
A federal agency created in 2010 to protect consumers from unfair financial practices. They write rules, supervise financial companies, and handle consumer complaints.
Why it matters
The CFPB is your most powerful ally against predatory lenders. Filing a complaint with them gets a response from the company within 15 days — companies take CFPB complaints seriously.
Example
A debt collector calls your workplace after you told them to stop. You file a CFPB complaint online. Within 15 days, the collection agency responds and agrees to stop. The CFPB tracks complaint patterns across all companies.
FDCPA — Fair Debt Collection Practices Act
A federal law that limits what debt collectors can do. They can't call before 8am or after 9pm, can't harass you, can't lie, and must stop contacting you if you request in writing.
Why it matters
Knowing your FDCPA rights stops abusive collection tactics. If a collector violates the law, you can sue for up to $1,000 per violation plus attorney fees.
Example
A collector calls your workplace 3 times after you told them not to. That's 3 FDCPA violations. You hire a consumer attorney (free — they get paid by the collector). The collector settles for $3,000.
Garnishment — Wage Garnishment
A court order that requires your employer to withhold part of your paycheck and send it directly to a creditor. Usually happens after a creditor sues you and wins a judgment.
Why it matters
Federal law limits garnishment to 25% of disposable income. Some states have lower limits. Student loans and taxes can be garnished without a court order.
Example
You owe $8,000 on a defaulted credit card. The bank sues, gets a judgment, and garnishes your wages. On a $3,000/month net paycheck, they take $750/month until the debt is paid.
Statute of Limitations — Statute of Limitations (Debt)
A time limit (typically 3-6 years, varies by state) after which a creditor can no longer sue you to collect a debt. The debt still exists, but they lose the legal power to force payment.
Why it matters
Knowing your state's statute of limitations prevents you from being tricked into paying debts that are legally uncollectable. Beware: making a payment can restart the clock.
Example
You have a $3,000 credit card debt from 2019. Your state has a 4-year statute of limitations. In 2024, a collector calls demanding payment. The statute has expired — they cannot sue you.
Debt & Recovery
Chapter 13 Bankruptcy — Chapter 13 Bankruptcy (Reorganization)
A type of bankruptcy where you keep your assets but follow a court-approved 3-5 year repayment plan to pay back some or all of your debts. Stays on credit for 7 years.
Why it matters
Chapter 13 is better than Chapter 7 if you have a home or assets you want to keep. It can stop foreclosure and let you catch up on mortgage payments over 3-5 years.
Example
You're 3 months behind on your mortgage and have $30,000 in credit card debt. Chapter 13 stops foreclosure and puts you on a 5-year plan: you pay $600/month to catch up on the mortgage and pay 40% of the credit card debt.
Chapter 7 Bankruptcy — Chapter 7 Bankruptcy (Liquidation)
A type of bankruptcy that wipes out most unsecured debts (credit cards, medical bills) by liquidating non-exempt assets. It stays on your credit for 10 years.
Why it matters
Chapter 7 gives you a fresh start but at a steep cost: 10 years on your credit, difficulty getting loans, and you may lose assets. Income must be below your state's median to qualify.
Example
You have $45,000 in credit card debt and earn $35,000/year. Chapter 7 erases the debt. You keep exempt property (basic car, household items). Your score drops to ~500 but you're debt-free.
Charge-Off
When a creditor declares your debt a loss after 180 days of nonpayment and removes it from their books. But you still owe the money — they just stop expecting to collect it themselves.
Why it matters
A charge-off is one of the most damaging entries on your credit report and stays for 7 years. The debt is usually sold to a collection agency who will pursue you for it.
Example
You stop paying your $4,000 credit card. After 180 days, the bank charges it off and sells the debt to a collector for $800. The collector now contacts you demanding the full $4,000 (they profit from what they collect above $800).
Collections — Debt Collections
When an unpaid debt is transferred or sold to a third-party collection agency that specializes in recovering the money. Collection accounts appear on your credit report for 7 years.
Why it matters
Even a $50 collection account can drop your score 50-100 points. Some newer FICO models (FICO 9) ignore paid collections, but many lenders still use older models.
Example
An old $200 gym bill goes to collections. It appears on all 3 credit reports and drops your 720 score to 640. Paying it helps with newer scoring models but under FICO 8 (still widely used), a paid collection still hurts.
Debt Consolidation
Combining multiple debts into one single loan with one monthly payment, ideally at a lower interest rate. It simplifies repayment and can reduce total interest.
Why it matters
Consolidation works best when you get a lower rate than your existing debts. But it doesn't reduce what you owe — and extending the term can mean paying more total interest.
Example
You have: $5,000 at 22% (credit card), $3,000 at 18% (store card), $2,000 at 25% (payday loan). A $10,000 consolidation loan at 11% saves you ~$2,100 in interest over 3 years.
Debt Settlement — Debt Settlement / Negotiation
Negotiating with creditors to accept less than the full amount you owe — typically 40-60 cents on the dollar. Usually done after you've already fallen behind on payments.
Why it matters
Settlement can save thousands, but it severely damages your credit (settled accounts show for 7 years) and the IRS may tax the forgiven amount as income.
Example
You owe $15,000 on a credit card and negotiate a settlement of $7,500 (50%). You save $7,500 but: your credit drops 100+ points, the account shows 'settled' for 7 years, and you may owe taxes on the $7,500 forgiven.
DTI Ratio — Debt-to-Income Ratio
The percentage of your monthly gross income that goes toward paying debts. Lenders use it to judge whether you can afford another loan payment.
Why it matters
Most lenders want DTI below 36% for personal loans and below 43% for mortgages. Above that, you're considered overextended and likely to be denied.
Example
You earn $5,000/month gross. Your debts: $1,200 mortgage + $300 car + $200 student loans = $1,700/month. DTI = 34%. A new $400/month loan would push you to 42% — risky for lenders.
Judgment — Court Judgment (Debt)
A court ruling that says you legally owe a specific amount to a creditor. It gives the creditor power to garnish wages, freeze bank accounts, or place liens on your property.
Why it matters
Judgments are enforceable for 10-20 years (varies by state) and can be renewed. They give creditors far more collection power than a simple unpaid debt.
Example
A credit card company sues you for $8,000 and wins a judgment. They can now garnish 25% of your paycheck ($750/month on a $3,000 net salary) and freeze your bank account.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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