Beacons Bankruptcy Law
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Relief paths

Clear options, tailored to your situation

Bankruptcy, restructuring, workouts, and asset protection—all with a plan you can understand.

Chapter 7 Bankruptcy

  • Eliminate credit card debt and medical bills once and for all.
  • Protect your home, cars, and personal property from creditors.
  • Permanently eliminate qualifying debts in months, not years.
Learn more about Chapter 7 Bankruptcy →

Chapter 13 Bankruptcy

  • Catch up on missed payments on your mortgage, cars, and taxes.
  • Stop foreclosure and end collections during your 3–5 year plan.
  • Zero balances on credit cards and medical bills at plan completion.
Learn more about Chapter 13 Bankruptcy →

Small Business Bankruptcy (Subchapter V)

  • Chapter 11 reorganizations (plan of reorganization) and restructurings.
  • Individual Chapter 11 Subchapter V for business owners.
  • Restructure your business debts and protect your personal assets.

Debt Relief & Restructuring (Non-bankruptcy)

  • Reduce your monthly payments with settlement and consolidation.
  • Workouts to reduce balances and interest rates without bankruptcy.
  • Personalized plans to lower payments and boost credit scores.

Asset Protection

  • Safeguard your home, bank accounts, and personal property.
  • Options to preserve your wealth from unexpected events.
  • Strategies for protecting your assets from future lawsuits.

Foreclosure & Mortgage Modification

  • Stop the foreclosure process immediately and stay in your home.
  • Restructure your home loan to lower your monthly payments.
  • Catch up on missed payments and modify your repayment terms.

Serving North County

Bankruptcy help near you

Local guidance for Carlsbad and the surrounding North County San Diego communities.