David B. Commons & Associates

Welcome to the Law Offices of David B. Commons a Santa Barbara Bankruptcy Attorney. Now that we are experiencing the worst recession this country has seen since the Great Depression, overwhelming debt, persistent (if not downright nasty) creditors, garnishments, and threatening foreclosures or repossessions are more prevalent than ever before. Ordinary people, good people from all different levels of income, who paid their debts and managed just fine until they got laid off, their hours cut back, or their credit card balances frozen and their rates doubled, are finding they have no alternative but to seek refuge under the bankruptcy laws intended to help in just such situations, but that almost none of them ever wanted to have to use. We understand. We've been helping just such people for a long time. In most cases we can help those folks get rid of their debts, put a halt to the threatening calls, stop garnishments, and stop (at least for a while) the foreclosures and repossessions. We can help get them the time to catch up on the arrears on their mortgages and, in some cases, can even get rid of a second mortgage on their home. Mostly, though, we can help give them what the bankruptcy laws were always intended to give, a fresh start.