Lowest Fees Guaranteed.

Don't continue struggling thinking that you can't get help because you are short on cash. In almost all cases we are able to work out a payment plan with our clients, and as long as the first payment is made, we will file your case. We have assisted over 1000 San Diegans through the bankruptcy process since 2005.  We can stop creditor harassment, wage garnishments, bank levies, and lawsuits -- the same day you call us if needed.

Questions about whether bankruptcy is right for you?
We have answers-- and the initial consultation is always free.

Offices In
Downtown San Diego, Carlsbad, La Mesa and Escondido

File today. Pay fees over time.

Call now to schedule a free consultation.


Conveniently Located Throughout San Diego County.

Why Over 1000 Southern Californians Have Chosen The Debt Solution Law Group.


At S. E. Cowen Law we have the expertise to successfully handle almost any bankruptcy matter, just as we have for over 1000 San Diegans since 2005. Our lead Attorney Steven E. Cowen attended the University of San Diego School of Law, graduating at the top of his class, cum laude, in 1987. He was also a member of the law review. Mr. Cowen is a member of the State Bar of California and a member of the National Association of Consumer Bankruptcy Attorneys. He is fluent in English and Spanish.

Lowest Fees Guaranteed

Fixed fees. Bring in any competitor's written price for needed work, and we'll beat it. No gimmicks. No bait and switch or sham "promotions".  We don't like being treated that way, and we know you don't either.

Easy Payment Plan

Typical payment plan: total fees divided into four payments. If you need a more customized plan, tell us! Make the first payment, and we will file your case. You won’t hear us say, “we take payments, but you have to pay us in full before we will even begin working on your case.” Same day filing if need be and at no extra charge. We stop creditor harassment, lawsuits, wage garnishments and bank levies dead in their tracks.


Do you want to know if you qualify for bankruptcy and what bankruptcy can do for you? At the free initial consultation with an attorney, we will take the time to understand every facet of your case, and let you know if bankruptcy is the answer to your personal financial situation. Our first appointment is at 9:00 a.m., and the last at 6:30 p.m. Our offices are conveniently located in Downtown San Diego, Carlsbad, La Mesa and Escondido with plenty of free parking and easy freeway access. If you do decide to go forward, we make the process convenient. We ask questions, you provide answers, and that is how we get the paperwork ready for filing with the court.

Contact Info

  • 619-202-7511
  • DOWNTOWN: Emerald Plaza. 402 W. Broadway, Suite 1120, San Diego, CA 92101.
  • CARLSBAD: The Pacific Center. 701 Palomar Airport Road, Suite 300, Carlsbad, CA 92011.
  • LA MESA: Business Center of La Mesa. 7317 El Cajon Blvd., La Mesa, CA 91942.
  • ESCONDIDO: La Terraza Corporate Plaza. 500 La Terraza Blvd., Suite 150, Escondido, CA 92025.

Find Answers to Commonly Asked Questions

Online Reviews

Google + smallerGoogle Reviews

"Thank you so much from the bottom of our hearts for saving our home, our family especially our kid’s future. We salute you for your excellent, wonderful job. My husband is in Mediterranean sea for a defense mission. I’m so excited to tell him. We thank the Lord. He gave us the best attorney in town. We would definitely refer you to our friends and relatives. We will never forget you. God bless you and your family.” T.S.
"This office did a great job for us. The processing of all the paper works were done in a timely manner. I will be happy to recommend this firm to anybody who needs their services. Great Job!!! Thank you and we are now debt free. Thanks again to S.E. Cowen Law office.” P.T.
"Took care of everything expeditiously and with great professionalism. Made a difficult situation easier.” S.L.

yelppYelp Reviews

"I could not have asked for better service. The process was quick and easy and the staff is very welcoming and accommodating. Thank you for the help!!"
"Seriously people, go to Steve Cowen for your bankruptcy needs. He is nothing short of awesome and AMAZING." L.C.
"Deciding to take the leap and look for an attorney to help with your bankruptcy needs is a super stressful and possibly depressing time! I am so glad I decided to go with the Cowens. They are welcoming, efficient, and give you honest answers. They gave me support, and comfort on my path of financial freedom. I finally feel a sense of ease when it comes to my financial future, Thanks guys!" A.K.
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Positive Credit Impact

Credit Score, Post Filing

In nine out of ten cases, our clients see their credit score increase anywhere from 25 to 180 points the first year after filing bankruptcy. Things really have changed. While in the bankruptcy process, our clients receive multiple letters from car dealers saying "hey, we know you're in bankruptcy, but come talk to us and let's see if we can work out a better deal for you on a car." The sooner you file, the sooner your credit score will rebound which means lower interest rates on car loans. Filing sooner rather than later will also get you in line faster to qualify for a home loan.

Get your Free Credit Report

Clients of The Debt Solution Law Group receive a free credit report at their first meeting. If you want to know to what extent bankruptcy will increase your credit score, but have yet not yet decided on whether you want to file bankruptcy, we can obtain a credit report for you for a nominal charge.

Bankruptcy Overview

Introducing the Bankruptcy Practice

At S. E. Cowen Law we have the expertise to successfully handle almost any bankruptcy matter, just as we have for over 1000 San Diegans since 2005. We make the process of filing as simple and efficient as possible. We see our job as removing stress from your life, not adding to it. You will have access to your attorney throughout your case. Phone calls are answered immediately or promptly returned. Our Google and Yelp reviews and client testimonials are proof that we deliver what we promise.

Bankruptcy Chapter 7

When a potential client calls, we pre-qualify them for bankruptcy, and then schedule a free, office consultation if they do. At the office conference, we go over the client's options with them, fees and payment terms. If the client decides to go forward, we sit down with them and go through all the questions on the bankruptcy petition. We don’t use questionnaires. At the end of the first meeting, we send the client an email with the final list of information and documents needed to file the case. In almost all Chapter 7 cases, the client keeps all their property while wiping out all unsecured debt such as credit cards, taxes, pay-day loans, judgments etc.

Bankruptcy Chapter 13

Chapter 13 is a court-ordered debt repayment plan that is better than any other. Behind on your mortgage? Through a Chapter 13 plan you can get caught up over 60 months typically with no interest. And at the same time, often, owe nothing on your credit cards and reduce the amount of your auto loan to the current fair market value of your car. You can also strip-off a second or third mortgage if the house is worth less than the first mortgage. If you make too much money and can’t wipe out your credit cards, in a Chapter 13 plan you can offer to repay the credit cards at interest far less than what you would pay without the protection of the bankruptcy court. And while in the process not only can’t a creditor sue you or garnish your wages, they can’t even call you.

Our Firm

Our Firm

"Lower overhead. Personal attention. Lower fees. Better service. "

Steven E. Cowen Esq.

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Mr. Cowen attended the University of San Diego School of Law, graduating at the top of his class, cum laude, in 1987. He was also a member of the law review. Mr. Cowen is a member of the State Bar of California and is a member of the National Association of Consumer Bankruptcy Attorneys. He is fluent in English and Spanish. Mr. Cowen’s pastimes include soccer (he was a member of his university’s soccer team), gardening, and music, having fronted a number of rock bands over the years.

Christian E. Cowen

Legal Assistant Specializing in Bankruptcy. Christian has been working for The Debt Solution Law Group for over 5 years. Outside of the classroom and legal office, Christian is an accomplished surfer and wake boarder.


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Question: What are bankruptcy exemptions?

Answer: A list of property and values that you can keep and still wipe out all of your debt. California has two exemption systems, the first for individuals or families with equity in real property and the second, generally, for individuals or families that rent.

Question: How is equity calculated?

Answer: Take the fair market value and reduce it by sales costs at 8% less outstanding loans.

Question: Will I be able to keep my car?

Answer: If you have a car loan, so long as you can afford the car, you will be allowed to reaffirm that debt. Payments during the bankruptcy would be made on the car just as if the bankruptcy did not exist in a chapter 7 case. In a chapter 13 case, the loan is re-amortized and paid off over five years often at an interest rate of 5% or less.

Question: Can I surrender my car as part of the bankruptcy process and get out of the loan?

Answer: Yes.

Question: Will car dealers or credit card companies extend credit to me once I am out of bankruptcy?

Answer: That depends. One thing is for certain, while you are in the process you will receive multiple letters from car dealers and credit card companies offering you credit. It is almost too easy to get credit once the bankruptcy process is complete. Most clients, however, have no interest in getting back into trouble with credit except maybe for a car loan or a small credit card.

Question: Once the case is filed can a creditor still contact me?

Answer: No.

Question: Are all debts dischargeable in a bankruptcy action? If not, what are the typical types of debt that cannot be wiped out in bankruptcy?

Answer: Some debts cannot be wiped out in bankruptcy. Some common examples are recent taxes, child support, tickets and fines, wages owed to employees up to a certain limit and federally back student loans.

Question: What can be done about student loan debt?

Answer: If the loans are federally back, it is very difficult to wipe them out. They can only be discharged if a court rules that they constitute an “undue hardship." To obtain the court's ruling you would have to file a separate lawsuit and go through the entire trial process. The expenses would be considerable- with no guarantee of success.

Legal Disclaimer

S.E. Cowen Law is a local San Diego Law Firm with offices located in Downtown San Diego, Carlsbad, La Mesa and Escondido. | (619) 202 7511. S.E. Cowen Law has attorneys licensed to practice law in California. Nothing in this advertisement should be construed as legal advice. The attorney responsible for this advertisement is S.E. Cowen. This site contains general information that is intended to be accurate and up to date. It is not intended to provide legal advice. For legal advice, please personally consult with an experienced attorney. Use of this site does not constitute an engagement of S.E. Cowen Law, and viewing this information does not create an attorney-client relationship. The information contained herein may not apply in your particular circumstances. We are a debt relief agency. we help people file for bankruptcy relief under the bankruptcy code.