The Law Offices of Ian S. Topf, APC is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Unforeseen events like losing one’s job or the sudden death of one’s spouse often make people unable to pay their debts while covering their daily living expenses. Accumulating credit card debt is easy. With high interest rates and laws that allow credit card companies wide discretion on changing credit card terms with little notice to the consumer, a person can be quickly engulfed by credit card debt. Also, illness and personal injuries are rarely anticipated and can easily rack up enormous medical bills.

Bankruptcy can help you get rid of many or all of your debts and stop creditors and collection agencies contacting you at your home, your work and everywhere else. The most common debts that can be eliminated in bankruptcy are credit cards and medical bills. Additional types of debt may also be discharged in bankruptcy but there are exceptions.

We can help you decide your debt relief options including whether or not you should file bankruptcy.

Chapter 7 vs. Chapter 13 Bankruptcy

Chapter 7 – The majority of bankruptcy actions in California involve an attempt for a complete discharge of debt, which is governed by Chapter 7 of the Bankruptcy Code. In order to qualify for a Chapter 7 Bankruptcy, you must pass a “means test” which includes an analysis of your financial situation (including income, expenses, assets and debts). In exchange for this discharge, the bankruptcy trustee can take any property you own that is not exempt from collection under the laws of California, sell it, and distribute the proceeds to your creditors.

Chapter 13 – In a Chapter 13 Bankruptcy, you file a repayment plan with the bankruptcy court to pay back a percentage of your debts over time. The amount you’ll have to repay depends on how much you earn, the amount and types of debt you owe, and how much property you own.


The Law Offices of Ian S. Topf, APC represents clients throughout San Diego County, including all branches of the Superior Court of San Diego (San Diego, Chula Vista, El Cajon, Vista, Kearny Mesa and Ramona). Our office is centrally located in Mission Valley