Practice Areas - Houbeck & Associates

Are you interested in hiring Mr. Houbeck to represent you and your case? He has previously represented thousands of clients in both consumer and business bankruptcy cases and is known for focusing on everyone’s specific needs, whatever they may be.

Mr. Houbeck handles Chapter 7, 11 and 3 cases and also will represent both creditors or debtors in these cases. He accepts adversary proceedings as well as real estate and foreclosure disputes. Regardless of what side you’re on, or what you’re looking to do, Mr. Houbeck is able to support you in these important matters to the best of his professional ability.

Mr. Houbeck works with the ultimate goal to be as efficient and cost-effective as possible so that each person can have as positive an experience as possible. The goal is to fight in favour for the party that he is representing so that there is fairness in the eyes of the law as well as what is right in a moral sense for each situation such as the following example:

“A creditor purchased a trust deed note secured by real property in the hope of receiving a higher return than the C.D. interest rates at his bank. Although the note was secured by real estate, the borrower made only two payments before filing three consecutive bankruptcies over an 8-month period to stop the client’s foreclosure efforts. The debtor was using the bankruptcy system like a revolving door, but Mr. Houbeck filed an emergency motion and obtained an order allowing the foreclosure sale to proceed regardless of whether any further bankruptcy petitions were filed.”

Or, in a similar matter. Mr. Houbeck stepped in when a client’s home (appraised at about $800 000) was in foreclosure:

“The client had a new loan to pay off the foreclosing creditor, but the creditor was demanding more than he was owed as the result of some “creative accounting.” The client did not want to file for bankruptcy, but a quick solution had to be found to avoid the loss of the family home. Mr. Houbeck filed a suit in state court and persuaded the judge to conduct an immediate hearing so his expert witness could show how the creditor’s calculations were in gross error. The case settled the next day for half of what the creditor originally demanded.”

The goal in all of these examples shown is that Mr. Houbeck always wants to do what is right. He draws on past experience and professional proceedings to make sure that you are choosing the right San Diego for the job. Each case is unique and deserves undivided attention, and when you hire the proper lawyer for the job, you’ll see the difference that quality can make.

With Mr. Houbeck at your service, you know you’ll be getting professionalism, quality, attention to detail, and experience that will help you make the most out of your circumstances.