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The best debt settlement company is transparent about fees, has a long history of excellent customer service, and has certified bankruptcy law specialists, like the Law Offices of Ronald E. Stadtmueller.   

Debt settlement companies generally negotiate with creditors to pay off your debt for less than what you owe. This service may be enticing, but it comes with significant risks; it can damage your credit, is not guaranteed to work, and can be very costly. Because of the risks, debt settlement is typically considered an option of last resort. Yet, if it is your only option, you must work with a reputable company.

What do We do?

The Law Offices Of Ronald E. Stadtmueller is a guaranteed Bankruptcy Debt Relief in San Diego. Our goal is to help you be free from debt and make a newfangled start. Allow us to evaluate your current financial situation and discuss the options available so you can start to regain control today. 

Similarly, our team of experts will legally resolve your overwhelming debts as we fight for your right to make a fresh start and free you from unmanageable debt and irritating creditors. We reprieve through the automatic stay. It is best if you do not have to endure creditors’ aggressive collection tactics. We can end the harassing phone calls and annoying letters to pressure you into paying debts you cannot afford. When you or your business files for bankruptcy, financial institutions (or creditors) must stop collection efforts immediately, including those distressing phone calls and letters. We will take charge of your creditors as your attorney and give you the peace of mind you deserve. Trust us, for we draw on over thirty (30) years of experience guiding clients in California through bankruptcy. Allow us to help you regain a solid financial footing.

Our bankruptcy attorney performs an in-depth assessment and evaluation of your finances before advising you to file for bankruptcy. After reviewing your debts, income, and other expenses, we counsel you on the actual and total impact that bankruptcy will have on your business, home, family, and future credit. If bankruptcy is the right option for you, you can expect us to explain the process and the outcomes fully. Our thorough approach to bankruptcy leaves no doubts, so you can be confident you are taking the right step to secure your future.

On the other hand, if bankruptcy is the right choice for you, our attorney will attend to you through the entire process from beginning to end. This includes your bankruptcy options. The U.S. Bankruptcy Code gives relief to consumers and businesses. Each has different advantages and eligibility requirements in specific situations. The most common forms of bankruptcy are the following:

• Chapter 7 bankruptcy. If you and your spouse earn relatively low wages and own few assets, Chapter 7 bankruptcy allows you relief from debts by liquidating your assets. Our attorney can negotiate asset exemptions to limit the interference in your life.

 Chapter 11 bankruptcy. If you own a corporation, sole proprietorship, or partnership, Chapter 11 bankruptcy grants your business to continue operating while you pay financial institutions under a court-ordered payment plan. We help you keep the business you wrestled so hard to put up. 

• Chapter 13 bankruptcy. This Chapter can stop lenders from taking your home through foreclosure. It allows you to keep your hard-earned assets and pay debts over time in smaller amounts.

At the Law Offices of Ronald E. Stadtmueller, we help businesses and individuals facing immense debts in California. Contact us online or call us today to schedule your bankruptcy consultation at our offices at Mission Valley, Rancho Bernardo, San Marcos, or La Jolla.

Attorney Profile

Attorney Ronald E. Stadtmueller is a Bankruptcy Law Specialist certified by the State Bar Of California and is authorized to practice law in all courts of California. Ron received his Juris Doctorate from California Western School of Law after obtaining his bachelor’s degree in Business Administration (focusing on finance) at the University of Wisconsin. Attorney Stadtmueller is a member of the San Diego Bankruptcy Forum and San Diego County Bar Association, where he served as a Board of Directors member. Ronald has moderated, lectured, and served on bankruptcy discussion panels at local and State Bar seminars.

Moreover, Ronald is a member of the standing panel of bankruptcy trustees for the Southern District of California, including both Imperial and San Diego counties. Before Ron returned to California, he served the Eastern District of Texas as a Chapter 13 bankruptcy trustee. Also, Ron is a Chapter 7 bankruptcy trustee.

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