New Chapter Law Group – Carlsbad

The thought of having to go through a bankruptcy scared me to death! I met with 3 different lawyers before I decided to sign on with Kristen and Nik. From the moment I met them, they made me feel at ease and never pressured with anything. Their personal attention to every detail and immediate communication when I had any questions or concerns was greatly appreciated. They were AWESOME. Kristen all but literally held my hand through the entire process and made it sooooo easy!!!
Being completely honest, they were not the cheapest. But you truly get what you pay for, and I am BEYOND happy I decided to go with New Chapter.
I hope none of my family or friends ever find themselves in this situation, but if they do, I would not hesitate to refer them.

HIGHLY RECOMMEND! We are at the end of our BK journey, but for anyone just getting started, you should not hesitate to call Kristin & Nik! They have been professional and supportive from the beginning… returning calls and emails quickly, and reassuring one of the biggest worriers on the planet! They never talked down to us, and we appreciated their laid back demeanor and casual style. It was really nice to walk in to a lawyer’s office and see them in jeans — you can’t help but feel more at ease. Don’t let the casual clothes lead you to think that they don’t take their job (and your finances) seriously — they demonstrated professionalism and vast knowledge in every meeting and hearing we attended. We are very pleased with the detailed explanation we received at every step of the process, including the post-​discharge wrap up. I believe their rates to be very reasonable for the exceptional level of service we received, and couldn’t be happier to have this ‘chapter’ behind us! :-)

At first, I was frightened (really, REALLY, frightened) to do this. The thought of being judged by an arrogant know-​it-​all, kept me from filing. I kicked the can down the road for way too long.
Because New Chapter Law Group had perfect Unilocal reviews– I checked this firm out, first– but because Nik and Kristen made me feel so comfortable, this was the only firm I needed to see. They won me over from day one, they walked me through the entire process and held my hand, up until the very end. Nik and Kristen were always there when I needed them and they were never (ever) pushy. I filed in July, went to the hearing in August and it was discharged by November.
I couldn’t be happier! Had it not been for New Chapter, I’d still be in a rut. They’re very professional, laid back and they completely had my back. I have no problem vouching for this firm and I intend on referring them to anyone who needs legal counsel on bankruptcy.

There are not enough words to describe how awesome and helpful Kristen & Nik are. From the first moment you step into their office up until your bankruptcy discharge is done they are with you the entire way. My situation was a special one and they agreed to take my case and I instantly felt reassured knowing that they were in my corner. I highly recommend them to anyone looking for a bankruptcy lawyer or just looking for information. They will never make you feel pressured and they are the ones that handle everything from phone calls to emails, no assistants to bypass.

I’ll start off with a couple of thoughts about my experience. First, I HIGHLY recommend getting more than one opinion on your situation. I went to four law firms, three of which attempted to steer me (without too much listening or personal attention) into a Chapter 13 that would have probably ruined my finances for the rest of my life. Second, insist on a face-​to-​face meeting. If your law firm can’t meet you personally about something that will impact your financial life this seriously, kiss them goodbye. It’s a stressful process and you need to have someone personally in your corner. Third, don’t worry about rates. They should all be charging the same, which is the court-​allowed rate for your area.
With all that said, Nik and Kristin crushed it in my case. They started off with an in-​person meeting where they worked with us interactively, showing us our options and counseling us to get into our Chapter 7 where no other law office could. They were thorough, went through all the details to uncover the truth about out situation, and made us feel completely at ease. I was FINE writing them a check at the end of my first visit. They also showed me the roadmap– step-​by-​step, what would happen and when it would happen, so I could track where I was in the process at any time.
Following the first visit, their follow-​up was perfect. We were in their office twice more to get the paperwork ready, complete the filings, and make sure everything went well. Again, they were detailed, persistent, and our advocates through the entire process. Kristin was most engaged with us at this point.
On my court day, she met me there and provided representation. Now, when you get to the trustee hearing, you want things to go quickly and smoothly, but there was an unanticipated couple of questions that came up in mine, and they continued the hearing– meaning that another hearing was scheduled a month later. I was almost palpitating with worry, but again, there they were to let me know it was a technicality and that they were watching the case. As it turned out, they were right to ease my mind– we provided an additional piece of information and the next month’s hearing was cancelled.
Once the discharge letter came, they then followed up by notifying my creditors and sending me the materials I needed to follow up as well.
I will not tell you that the process is easy. It is fraught with concern, one of the most difficult decisions that anyone can make. I was particularly concerned with the idea that bankruptcy was a symbol of defeat, and was sort of a necessary evil. They spoke about the other side of things, that the law provided bankruptcy as a financial tool for people just like me, and reminded me of my creditors’ intransigence in negotiating with me for years. Nik and Kristin provided me with a great education on the process, were super-​diligent about responding to questions and fears, and were amazing partners through this successful process.
I could not be more enthusiastic in recommending them to anyone considering bankruptcy as an option. After running through a mill of lawyers trying to sell me on a quick solution that would have ruined me, New Chapter was exactly the law firm I needed in my corner to get a fresh start in my financial affairs.

Incredible service and fast responses! Kristen and Nik are an amazing team who are very organized and engaging in person. They both made me feel so comfortable with the entire process from start to finish! During the trustee meeting they once again reassured me everything would be quick and painless and it truly was! Nik and Kristen were hands down the most professional lawyers in the room and I felt confident throughout the entire process with them by my side. Once my debt was discharged they both continued to help me with any questions and advice on how to rebuild my credit. I’m so thankful I found this ‘dream team’ and highly recommend their services to anyone considering filing bankruptcy. Thank you!

Thank You! Thank You! Thank You! The New Chapter Law Group is the best law firm ever! I am so happy I checked Unilocal before choosing attorneys to handle our case. Our bankruptcy lawyers, Kristin and Nik, helped us solve our financial crisis and exceeded our expectations beyond what we thought was possible. The entire process was easy and painless due to the professionalism and knowledge of Kristin and Nik. We were very reluctant and worried but they handled everything for us and created a stress free and positive experience for us. If you ever find yourself in a financial crisis where bankruptcy seems like your only option please do yourself a favor and do not look anywhere else. Our chapter 7 bankruptcy, to our surprise, came two weeks early. Our bankruptcy was signed off by the courts and all of our debt has been fully discharged. Trust us and other Unilocalers by calling Nik and Kristin. After your first consultation you will know you made the right decision.

When we decided to go through the process of bankruptcy we instantly went to Unilocal and we are very glad we did. We are very grateful to have had the pleasure of working with Kristin and Nik. Three things I asked myself when meeting Kristin and Nik was, #1 Do these people care about us? #2 Can they help us? #3 Can we trust them? All three answers are yes. They spoke from the heart and are very transparent. Everything was black and white and they ensured we had all questions answered and understood. The character of these two was never questioned and we are truly blessed to have had them in our life. From the bottom of our hearts thank you Kristin and Nik.

Nik and Kristin has helped us with our problem. They guided us step by step with the process of filing. Very friendly and accomodating. They made sure that we are comfortable asking questions and help! I totally would recommend them!

New Chapter Law Group has helped us to put 6 very long and stressful years behind us. My husband and I pursued bankruptcy as a very last resort for our somewhat unique financial situation. We consulted with Nik and Kristin at New Chapter Law Group to represent us in our bankruptcy case and are extremely thankful that we did. Nik and Kristin spent a lot of time meeting with us, reviewing our situation, and explaining the bankruptcy laws that pertained to our situation. We felt comfortable with them, they were very professional but always very kind and compassionate as we struggled with the very difficult decision to file bankruptcy. We knew going into our Trustee Meeting that they knew us personally and knew our case. They were always available to answer any questions we had in a very timely manner. We would highly recommend New Chapter Law Group to anyone who is in need of bankruptcy attorneys. If you are unsure as to whether or not bankruptcy is the right thing for you, we would definitely recommend a consultation with Nik and Kristin!

In dealing with consumers and their financial affairs for just over 12 years now as a Mortgage Banker, I’ve run across many that are reluctant to pursue Bankruptcy from fear of the unknown. Bankruptcy may not always be the best solution, but it is one that needs to be considered when weighing what may be best given unfortunate past or present circumstances. My clients trust my judgment, and know I would not steer them wrong. When circumstances present a Bankruptcy option I turn to New Chapter Law. I’ve dealt with many credit counselors, debt solution services and Bankruptcy Attorneys and Nik and Kristin have always steered them in the best direction. Trusting your partners to work with your clients is paramount. Nik and Kristin act as I would with great communication, knowledge of product, timely and informative counsel and with a great price point. Acting efficiently and letting clients know what their options are is what New Chapter Law does and have expanded their offices recently for «face to face» meetings of clients; making the Bankruptcy process as seem less as it can be.
Great work guys …

It was great working with Nik and Kristin, the overall experience was excellent! They helped with my mother’s bankruptcy case, they were both professional, knowledgeable, and helped us each step of the way. The process was extremely fast and I would recommend them to everyone!

Nik and Kristen at New Chapter were extremely helpful in accessing our situation.
Although a bankruptcy option was not the best move at the time, they provided very helpful information.
I would recommend this team to anyone who is struggling financially.

I needed some financial financial guidance and advice and went to visit New Chapter Law Group. I left knowing that this would be the team that would guide me through the hard decision I had been avoiding.
Nik and Kristin were extremely knowledgeable and professional. They were also kind and compassionate during a time of high stress, and they advised me through every step of the process.
It felt good to be represented by such experienced attorney’s. They were both available to answer any questions that I came up with, and answered my calls almost immediately. This made the whole process so much less intimidating to have two people so devoted to making sure you’re taken care of.
My bankruptcy was just recently completed and I have to say I feel so much less burdened, and actually able to breathe again.
Thank you Nik and Kristin!
I would highly recommend New Chapter Law without hesitation.

Came here for some critical financial advice and I’m happy to say that Kristin greatly exceeded my expectations. I felt like she took the time to hear out my situation, provide me with a lot of good options and help me formulate a plan. I’d reviewed a bunch of other law firms, but it seems like a lot of them are only really interested in taking their clients’ money. Definitely not the case here. If you need some good financial advice, this is the place to go.