The Law Office of Frank D Walker in Chula Vista has served the Broadway corridor from Suite A at 664 Broadway since joining the California State Bar in 1984, concentrating on bankruptcy and estate planning since that 1984 admission. Chapter 7 liquidation and Chapter 13 wage-earner plan filings often involve escrow and title coordination with closing agents such as New Venture Escrow when debtors must transfer, retain, or sell real property during the automatic-stay period under 11 U.S.C. Section 362. Estate planning services encompass wills, revocable living trusts, powers of attorney, and advance health care directives structured to minimize probate exposure under California's statutory threshold. Debtors with underwater mortgages coordinate loan modification or lien-strip motions through lenders such as Mortgage Heroes to bifurcate wholly unsecured junior liens in Chapter 13 plans under the Supreme Court's ruling framework. The firm's highest-complexity bankruptcy engagements involve preparing means-test calculations under 11 U.S.C. Section 707(b)(2) using the Census Bureau's median-income data for San Diego County and IRS National Standards for allowable living expenses.