David Wiese
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We understand the idea of bankruptcy is often frightening. We will take the time to work with you so that you understand how bankruptcy will affect your debts and your assets, and help you to make the best decision for you and your family through personal and confidential service. Bankruptcy is a federal court process used to eliminate or repay consumer debts under the protection of the bankruptcy court.

The purpose of bankruptcy is to give you a "fresh start, " and to that end there are generous exemptions which allow most debtors to keep all of their assets. Bankruptcy is also designed to treat all creditors fairly. This means you must include all debts in a bankruptcy. You do not have the option to pick and choose which creditors to list, but you do have the right to voluntarily repay any creditor if you are able and choose to do so.

Attorney Wiese will manage your bankruptcy case from start to finish. When your bankruptcy is filed a trustee will be assigned to oversee your case, and you will be required to meet with that trustee once during the bankruptcy process.
Services
Initial consultations, for which there is no charge or obligation, can be in my San Marcos office, or by telephone if that is more convenient.
During this initial consultation, I answer any questions clients have regarding bankruptcy and then provide them with an overview of the bankruptcy process as it applies to them.
Prospective clients often have follow-up questions and, if I'm not immediately available, I return all phone calls as soon as possible but certainly within 24 hours.
You must receive a certificate of completion from a credit counseling course before you can file bankruptcy.
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