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LAKE LAW, PLLC
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San Diego Low Cost Bankruptcy Center in La Jolla, CA
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San Diego bankruptcy law firm specializing in Chapter 7 and Chapter 13 filings with over 35 years of experience. Offers low-cost attorney fees, remote consultations, and virtual filing with no office visits required.
Data compiled from public sources
San Diego Low Cost Bankruptcy Center Review
San Diego Low Cost Bankruptcy Center, operated by Schreiber Law Firm, is a bankruptcy filing service led by attorney Jeffrey Schreiber. The firm has been operating for over 35 years and reports having filed more than 3,000 bankruptcy cases. Schreiber is also a certified tax litigator and has taught bankruptcy courses at the University of San Diego paralegal program for 10 years, indicating substantial legal credentials and experience in the field.
The firm offers Chapter 7 and Chapter 13 bankruptcy filing services with an emphasis on affordability and convenience. Their service model allows clients to complete the entire bankruptcy process remotely—including consultations via phone or video, document submission electronically, and petition review online—without visiting an office or attending court in person. They advertise $0 down payment options with payment plans based on ability to qualify, and claim to charge significantly lower attorney fees than competing firms. Specific services include initial consultations, petition preparation, tax issue resolution, and virtual court filing.
Key differentiators highlighted on their website include personalized one-on-one service directly from Jeffrey Schreiber (rather than delegation to junior staff), rapid petition completion (typically a few days, emergency turnaround in hours), and integrated tax litigation experience context to resolve federal and state tax issues. The firm provides debt elimination assistance, foreclosure prevention, stop wage garnishment, creditor harassment cessation, and mortgage/loan restructuring. Client testimonials emphasize Schreiber's patience, professionalism, preparedness, and compassionate approach.
A notable limitation is an apparent content inconsistency: the website prominently features messaging about an "Atlanta Low Cost Bankruptcy Center" and Atlanta attorney Jack Sisson alongside San Diego information, suggesting either template reuse or organizational confusion. The firm operates with offices listed in Chicago and San Diego/El Cajon. While the credentials and client testimonials are positive, prospective clients should clarify the firm's actual operational structure and whether remote representation is permitted in their jurisdiction.
Services & Features
Bankruptcy petition preparation and drafting
Chapter 13 bankruptcy filing and representation
Chapter 7 bankruptcy filing and representation
Creditor harassment and collection call stopping
Electronic document upload and review
Federal and state tax issue resolution and litigation
Foreclosure prevention and stopping
Free initial phone or video bankruptcy consultations
Mortgage and loan restructuring and elimination
Virtual court filing with no in-person court appearance required
Virtual online petition review and e-signature
Wage garnishment cessation
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Attorney has 35+ years legal experience and certified tax litigator credentials, addressing both bankruptcy and tax resolution
- No office or court visit required—entire process completed remotely via phone, video, email, and online document signing
- $0 down payment options available with flexible payment plans based on ability to qualify
- Rapid petition preparation—typically completed in a few days, with emergency same-day or next-day availability
- Direct service from Jeffrey Schreiber personally, not delegation to junior associates or supervised staff
- Free initial phone or video consultation with no pressure sales approach
- Comprehensive services including foreclosure prevention, wage garnishment stops, creditor harassment cessation, and debt elimination
Cons
- Website contains confusing content about an 'Atlanta Low Cost Bankruptcy Center' and Jack Sisson alongside San Diego information, suggesting template issues or unclear organizational structure
- No specific fee amounts published; prospective clients must complete consultation to learn actual cost despite 'low cost' branding
- Remote representation legality and availability not explicitly confirmed for all jurisdictions or bankruptcy types
- Limited transparency about payment plan approval criteria ('based on ability to qualify' is vague)
- Client testimonials are anecdotal and cannot verify authenticity or representativeness of typical client experience
State Consumer Finance Context
This is state-level context for Bankruptcy Services consumers in La Jolla, CA. It does not confirm that San Diego Low Cost Bankruptcy Center or this specific location is licensed.
State regulator
California Department of Financial Protection and Innovation (DFPI)
Consumer protection
Credit and debt help rules in California
Relevant law: California Credit Services Act of 1984 (Cal. Civ. Code § 1789.10-1789.26)
Registration: Required with California Department of Financial Protection and Innovation (DFPI)
Upfront fees: Listed as prohibited in the current CreditDoc state summary
- Credit repair companies must provide a written contract disclosing all terms, conditions, and cancellation rights before any services are performed
- Prohibition on making false or misleading statements about the company's ability to improve credit records or remove accurate negative information
- Companies cannot charge or collect fees until services are actually delivered and the consumer has received the promised results
Key state rules to check
- Payday loans capped at $300 with maximum fee of $15 per $100 (459% APR equivalent).
- The California Consumer Financial Protection Law grants DFPI broad enforcement authority.
- Licensed finance lenders under the California Financing Law can charge rates above usury for loans under $10,000.
Complaint resources
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Frequently Asked Questions
What services does San Diego Low Cost Bankruptcy Center offer?
San Diego Low Cost Bankruptcy Center offers 12 services including Chapter 7 bankruptcy filing and representation, Chapter 13 bankruptcy filing and representation, Free initial phone or video bankruptcy consultations, Electronic document upload and review, Bankruptcy petition preparation and drafting, and 7 more.
What profile signals are listed for San Diego Low Cost Bankruptcy Center?
San Diego Low Cost Bankruptcy Center has profile signals associated with San Diego-area residents seeking Chapter 7 or 13 bankruptcy with minimal time commitment and remote convenience, Individuals with unresolved state or federal tax issues needing integrated bankruptcy and tax litigator experience context, Borrowers facing foreclosure, wage garnishment, or creditor harassment seeking immediate intervention and debt restructuring, Budget-conscious filers wanting personalized attorney service without large firm overhead and junior staff delegation.
What are the strengths and weaknesses of San Diego Low Cost Bankruptcy Center?
Key strengths: Attorney has 35+ years legal experience and certified tax litigator credentials, addressing both bankruptcy and tax resolution; No office or court visit required—entire process completed remotely via phone, video, email, and online document signing; $0 down payment options available with flexible payment plans based on ability to qualify. Areas to consider: Website contains confusing content about an 'Atlanta Low Cost Bankruptcy Center' and Jack Sisson alongside San Diego information, suggesting template issues or unclear organizational structure; No specific fee amounts published; prospective clients must complete consultation to learn actual cost despite 'low cost' branding.
How does San Diego Low Cost Bankruptcy Center compare to similar companies?
In the Bankruptcy Services category, comparable providers include LAKE LAW, PLLC, Saedi Law Group, LLC, Fonfrias Law Group, LLC. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Quick Facts
- Headquarters
- 4275 Executive Square Suite 200, La Jolla, CA 92037
- BBB Accredited
- No
CreditDoc Profile Note
Research Note on San Diego Low Cost Bankruptcy Center
San Diego Low Cost Bankruptcy Center is profile signals for San Diego-area consumers needing Chapter 7 or 13 bankruptcy representation who prefer remote service, value personalized attorney attention, and have tax complications requiring listed experience context. The primary caveat is website clarity issues regarding operational structure and the legitimacy of remote representation claims that should be independently verified before engagement.
Profile Signals
- San Diego-area residents seeking Chapter 7 or 13 bankruptcy with minimal time commitment and remote convenience
- Individuals with unresolved state or federal tax issues needing integrated bankruptcy and tax litigator experience context
- Borrowers facing foreclosure, wage garnishment, or creditor harassment seeking immediate intervention and debt restructuring
- Budget-conscious filers wanting personalized attorney service without large firm overhead and junior staff delegation
Updated 2026-04-29
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Quick Summary
- San Diego Low Cost Bankruptcy Center is listed as a Bankruptcy Services provider in La Jolla, CA on CreditDoc.
- Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
- If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
- For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.
Next Steps
Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position What Your Credit Score Actually Means: Number-by-Number Breakdown Learn the basics Start the free Credit Fundamentals course.
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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 high-cost 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 are required to 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 may have a right to 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 has obtained 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 may be more relevant 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 is generally required to 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 is generally most useful 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 has obtained 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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