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Houbeck Associates - Attorney at Law -Steven Houbeck
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Attorneys1011 Camino Del Rio South, San Diego, CA, 92108
San Diego Bankruptcy Attorney Steven Houbeck - In order to best serve the San Diego area, Mr. Houbeck uses his 25 years of experience to represent debtors and creditors in bankruptcy. Understanding that there is a story and corresponding rights on both sides of each case, he uses his unique qualifications to evaluate an insolvency case from both sides, making him as strong a lawyer San Diego that you’ll find. He can take on consumer bankruptcy clients and those for small businesses such as chapter 7, 13 and 11 proceedings.
📚 Related legal guides
Background reading on the practice areas this attorney handles.
bankruptcy
Wage Garnishment Defense in California
California wage garnishment is capped at federal limits (25% of disposable income or 30× minimum wage) — and Texas, North Carolina, Pennsylvania, South Carolina ban most consumer wage garnishment entirely.
bankruptcy
Debt-Collection Defense in California
California consumers facing debt-collection lawsuits have powerful defenses — federal FDCPA, state consumer protection laws, statutes of limitations, and proof requirements that collectors often can't meet.
bankruptcy
Student-Loan Discharge in Bankruptcy in California
California student loans CAN be discharged in bankruptcy under the "undue hardship" Brunner test, plus DOJ's 2022 guidance has made it dramatically easier. Other federal options — IDR, PSLF, forgiveness — also relevant.
