New Chapter Law Group

New Chapter Law Group

We offer AFFORDABLE personalized bankruptcy and debt resolution services, and have helped thousands of individuals and families stop collections & get a Fresh Start from overwhelming debt. Contact us today for your FREE Attorney Consultation!

Firm Overview

New Chapter Law Group was founded on the belief that every client deserves dedicated personal attention from their attorney. We're dedicated to practicing from a Client First perspective, doing all we can to help our clients achieve their specific goals, and ensuring our clients always feel both well informed and competently supported. Given we believe every client deserves personal one-on-one attorney assistance, our clients work exclusively with an attorney, at every stage of their case...from their free consultation until the discharge/resolution of their case. Because the struggle with debt can be complex...involving overlapping emotional and financial concerns, we're also dedicated to helping our clients meaningfully improve their quality of life, before, during, and after their case is resolved, so that our clients can truly get the fresh start they need.

To better and more conveniently serve you, we have office locations in both the North County San Diego Area (Carlsbad) as well as in the Temecula Valley Area (Murrieta). We're committed to working around your schedule and location, so we offer night and weekend appointments. There's absolutely no obligation or risk to meet with our attorneys to discuss your concerns and get answers to your questions. Contact us today to schedule your FREE Attorney Consultation!
Main Office
New Chapter Law Group - Carlsbad Office
5927 Balfour Drive, Suite 115
Carlsbad  CA  92008
  • (888) 579-7774 [Toll-Free]
  • (888) 579-8770 [Toll-Free]


Free Initial Consultation?
Yes, we always offer a FREE initial consultation with an Attorney!
Services Offered For Fixed Fees?
Yes, we don't usually charge by the hour, but by the case. Our rates/fees tend to be very reasonable compared to many other firms, and we offer various discounts and payment plans that can work with nearly any budget.
Hourly Rates
In order to keep the attorney costs low for our clients, we don't typically charge hourly fees, rather we charge per case.

Office Information

Office Hours
8:30 am to 6:30pm M-F. After hours and weekends by appointment!
Emergency After Hours

Other Offices

San Diego Office
7710 Balboa Avenue
Suite 219F
San Diego,  CA  92111
Temecula/Murrieta Office
26395 Jefferson Avenue
Suite A
Murrieta,  CA  92562
Riverside/Inland Empire Office
4505 Allstate Drive
Suite #3
Riverside,  CA  92501

How did your firm decide on the primary area of practice(s)?

We created the New Chapter Law Group in order to allow us to give our clients the personal attention they need and deserve. With over 17 years of exclusive bankruptcy experience, and having filed over 1500 Chapter 7 & Chapter 13 Bankruptcy Cases, we recognize every client has different needs and deserves customized attention to feel comfortable at every stage in their case. We strongly believe trust is the cornerstone of all successful relationships, especially the attorney client relationship, and we're committed to earning your trust! We're dedicated to practicing law from Client First perspective, doing all we can to help our clients achieve their specific goals and always feel supported. Centrally located in North County (Carlsbad), we're able to help clients in both San Diego AND Orange County. We always offer FREE initial consultations WITH an attorney, free of time restrictions as well!

What distinguishes your law firm from others?

Unlike most other big "brand name" law firms, we NEVER marginalize our clients. Many times, big firms, "process" or "mill" their clients... shuffling clients between salesmen and legal assistants... treating each client as just another number, not a person. Here at the New Chapter Law Group, we KNOW our clients are people! People struggling to keep up with overwhelming debts... people faced with the difficult decisions before them! We've dedicated ourselves to never losing sight of our clients as people, and we do our best to give each and every client as much time and attention as they need and deserve!

Is your firm willing to help a client with one discrete part of a case, without taking on the whole case?

If you are currently in an active bankruptcy which was either filed by you (pro-per) or with another attorney, we have substituted into existing cases so that you can conclude your case with us as your attorneys. Call or email us today for your Free Attorney Consultation to discuss your case or concerns.

Nik Chawla

Nik, a native San Diegan, was born and raised in North County. Having grown up in Encinitas and Carlsbad, and still a Carlsbad resident, Nik has personally witnessed the evolution of North County over the last 30 years. With family roots firmly planted in the North County, Nik commuted to La Jolla to attend the University of California, San Diego (UCSD) where he received a Bachelor of Science degree in Biochemistry and Cell Biology.

After graduating from UCSD, Nik spent several years working for small start-up companies in fields such as biotech and information technology. Nik went on to attend the Thomas Jefferson School of Law in Old Town San Diego where he excelled in legal writing and research classes, eventually earning top grade awards in each class.

Driven by his desire to help clients in one-on-one client interactions, before and after graduating from Thomas Jefferson School of Law, Nik worked for a Carlsbad boutique family law firm which utilized the then new
"Collaborative Approach" to traditional dissolution. After years helping clients with dissolutions, Nik began helping clients file Chapter 7 and Chapter 13 bankruptcies. Nik has spent nearly three year working exclusively in the field of consumer bankruptcy, and has filed over 500 Chapter 7 and Chapter 13 consumer bankruptcy cases. In addition, Nik has argued on behalf of his clients before the Bankruptcy Appellate Panel of the Ninth Circuit. Nik is currently admitted to practice law in the State of California, as well as the United States District Court of the Southern and Central Districts of California.
  • Bar Number: 259648
    California , 2008
  • University of California, San Diego (UCSD)
    Biochemistry & Cell Biology , 1999
  • Thomas Jefferson School of Law
    Juris Doctorate , 2005

Kristin Lamar

Kristin, a native San Diegan, was born and raised in Mira Mesa. Kristin first left San Diego to attend the University of California, Los Angeles (UCLA) where she earned a Bachelor of Arts Degree in History. From an early age, Kristin knew she wanted to be an attorney so she could help protect the rights of those typically overlooked and under protected by society. Kristin was accepted to study law at Brooklyn Law School in New York, so Kristin and 3 friends packed their belongings in a moving truck and headed east. Before starting law school, Kristin spent two years in New York working in the field of bankruptcy, specializing in chapter 11 corporate reorganization matters. Given her interest in bankruptcy, Kristin continued her work in corporate bankruptcy throughout law school.

After graduating, Kristin was offered a job with a prestigious Park Avenue bankruptcy law firm. While Kristin enjoyed the field of corporate bankruptcy, Kristin began to feel disconnected from those who she originally wanted to help, the regular person/family (ie. the consumer). Kristin switched coasts to switch sides, and returned home to San Diego in 2008 and began helping individuals and families seeking the fresh start and relief from their debts. Since returning to San Diego, Kristin has filed approximately 1000 consumer bankruptcy cases, including both Chapter 7 and Chapter 13 bankruptcy cases. Kristin's straight forward/no-nonsense demeanor and her tenacity and willingness to fight for the rights of her clients has not only made Kristin well known but also highly respected by both the local Bankruptcy Judges and Trustees. Kristin is currently admitted to practice law in both California and New York. Kristin is also admitted to practice before the United States District Courts in California's Southern and Central Districts, New York's Southern and Eastern Districts, and the 9th Circuit Court of Appeals.
  • Bar Number: 4435095
    New York , 2006
  • Bar Number: 262526
    California , 2009
  • University of California, Los Angeles (UCLA)
    Bachelor of Arts in History , 2000
  • Brooklyn Law School
    Juris Doctorate , 2005

* Nolo has confirmed that every member attorney has a valid license and is in good standing with the state agency that licenses lawyers. Any past disbarments and suspensions (with possible exceptions for minor violations or nonpayment of dues, in our discretion) will be indicated accordingly in the badge. Member attorneys are required to notify Nolo immediately if they become the subject of any disciplinary action by any state licensing agency.