Bankruptcy & Debt Relief in Southern CA Dedicated to Helping You Start Fresh and Move Forward with Confidence!

Southern California Bankruptcy Attorneys

Helping Clients Get Debt Relief with offices in Carlsbad, San Diego & Temecula

At New Chapter Law Group, we’re here to help you get the financial fresh start you deserve. With over 30 years of focused bankruptcy and debt resolution experience, we have made it possible for thousands to get relief from overwhelming debt. No matter your financial situation, we strive to provide the knowledge, guidance, and legal strategies to help you move forward confidently!

Our clients are more than just case numbers to us. They’re our friends, families, neighbors, coworkers, and so much more. Because of this, we refuse to treat them any other way! When you turn to New Chapter Law Group, you can trust in us to offer legal solutions that cater to your specific financial needs. From saving homes from foreclosure, to stopping wage garnishments and repossessions, to ending creditor harassment, we help identify and explain the debt relief options that fit your needs!

The best part is we can start helping you with as little as $250 down. We also offer transparent pricing, and flexible payment plans to fit any budget.

Discover what your debt relief options are. Call (888) 296-4993 or reach out online to schedule a free consultation with one of our attorneys today. 

  • Affordable Costs/Fees
  • You only work with an attorney, not paralegals or assistants
  • Discounts Available
  • Retain With as Little as $250 Down
  • Free Initial Consultations
  • Over 30 Years of Bankruptcy Experience
  • Customizable Payment Plans to Fit All Budgets
  • Flexible Appointment Options

Turn the Page to Your New Chapter

See How We Can Help You Start Fresh Today

We've Helped Thousands of People In Your Shoes

See What They Are Saying About Us
    Thank you for everything. It’s been a pleasure to work with the both of you and you made this process less painful. Your firm is extremely professional and helpful.
    - Kelli P. (2018)
    Thank you both sooooo much! I can't imagine how exponentially more stressful this would have been without the two of you.
    - Stacy M. (2025)
    Thank [you] Nik for all yr hard work helping two novices understand all the legal parts of this case. [You’re] just amazing and helpful!!!
    - Dolly & Wayne A. (2022)

We’re Committed to Putting Clients First

We founded the New Chapter Law Group in 2011 with one goal in mind, clients come first! And, over a decade later, we haven't lost sight of this goal! From your free initial consultation with an attorney to the successful completion of your case, we’re here to listen, advise, advocate, and help you succeed.

  • You’ll only work with attorneys. We don’t pass clients off to salespeople or paralegals. From start to finish, you’ll have a licensed attorney by your side to answer questions, offer advice, and fight for you.
  • You’ll know your costs up front. Unlike firms that lure you in with a low quote only to tack on “surprise” fees, we provide honest, all-inclusive quotes based on your situation and needs.
  • You’ll have time to be you. We don’t rush our clients! Whether you have five questions or fifty questions, we do our best to fully address your concerns so that you feel comfortable as you move forward. 
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Get To Know Us Better

Who Are Our Bankruptcy Attorneys?

Co-founding attorneys, Kristin Lamar and Nik Chawla, have spent decades helping individuals and families throughout Southern California navigate the challenges that surround overwhelming debt! Kristin and Nik not only offer their extensive legal knowledge to every case but also their compassion, patience, and dedication. To learn more about Kristin and Nik, feel free to visit their respective bio pages.

Are You Struggling with Debt? Learn About Your Options in a Free Consultation.

Knowing your options for overcoming debt can be difficult. That’s why we offer free consultations to simplify speaking with an attorney about debt relief. 

During your free attorney consultation, you’ll have the opportunity to:

  • Share your financial concerns in a safe, judgment-free environment
  • Learn about your legal options, whether Chapter 7, Chapter 13, Debt Consolidation or Debt Settlement 
  • Receive honest, practical advice tailored to your situation
  • Ask as many questions as you need to feel comfortable and confident
  • Find out about our fee structure, flexible payment plans, and available discounts

With the New Chapter Law Group, you’ll find more than just legal representation. You’ll find partners genuinely invested in helping you achieve a better financial future. Give us a call at (888) 296-4993 or get in touch through our online contact form to for your free attorney consultation.

Move Forward With Confidence

Get Started With a Free Consultation
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