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About me

With over 22 years practising law in California, I have had the pleasure of representing clients when they needed a helping hand and sound legal advice.


As a military veteran, I have also been there protecting our military from predatory lenders and abusive creditors.  I take special pride in protecting those who serve our country.


While in the Navy, I was an intelligence specialist and learned Russian in my capacity as an analyst.  I now use my knowledge of the Russian (and Ukrainian language) to serve clients from the former Soviet Union countries. I frequently travel to Ukraine and Russia providing volunteer work for the Organization for Security and Cooperation in Europe (OSCE).  The OSCE is a joint European Union and State Department proxy that monitors civil society and free market programs in Eastern Europe, most notably in Ukraine and occupied Crimea.


Languages spoken: Russian, Ukrainian

Photos and videos

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Practice areas


  1. Chapter 13: 35%
    22 years, 1.13 thousand cases
  2. Chapter 7: 30%
    22 years, 1.4 thousand cases
  3. Bankruptcy: 15%
    6 years, 1.9 thousand cases
  4. Tax: 15%
    6 years, 550 cases
  5. Chapter 11: 5%
    22 years, 15 cases



Free consultation (45 minutes)

Payment types:

Cash, Check, Credit card

Attorney endorsements

2 total 

Are you an attorney? Endorse this lawyer

  • Nathan Mark Shilberg

    I endorse this lawyer. Mr. Houbeck is a compassionate and tireless advocate on behalf of his clients. I have seen him go to bat for them in court, and I am constantly amazed by his tenacious, "go-getter" style. You won't be disappointed by hiring Mr. Houbeck to be your gunslinger against the corporate behemoths.


    Nathan Shilberg Bankruptcy and debt Attorney
    Relationship: Worked together on matter

  • Mark Carleton Blane

    I have referred Bankruptcy matters to Mr. Houbeck over the years and he has each time performed very well with their Bankruptcy cases. I highly recommend Mr. Houbeck in this speciality area. I can endorse this lawyer without hesitation.


    Mark Blane Wrongful death Attorney
    Relationship: Fellow lawyer in community

Contact info

P.O. Box 150
Cardiff By The Sea, CA, 92007-0150


We have not found any instances of professional misconduct for this lawyer.
Avvo contributions
Legal answers
Award nameGrantorDate granted
Carl Hayden HonoreeArizona State University2010
Work experience
TitleCompany nameDuration
AttorneyHoubeck & Associates2005 - Present
Association namePosition nameDuration
OSCECivil Society Monitor2014 - Present
Southern California Bankruptcy Inns of CourtMember2004 - Present
Federal Bar AssociationMember2000 - Present
Southern District Consumer Bankruptcy Attorneys AssociationMember1999 - Present
U.S. Supreme CourtAdmitted to Practice1999 - Present
San Diego Bankruptcy ForumMember1998 - Present
Ninth Circuit Court of AppealsAdmitted to Practice1994 - Present
San Diego County Bar AssociationMember1994 - Present
U.S. District Court for the Southern District of CaliforniaAdmitted to Practice1994 - Present
California State BarLicensed Attorney1993 - Present
Legal cases
Case nameOutcome
Zimmer v. PSB LendingPrevailed. As a result of my case, billions of dollars of 2nd mortgages have been forgiven in bankruptcy
See all legal cases 
Publication nameTitleDate
Case LawIn re Zimmer2003
School nameMajorDegreeGraduated
Thomas Jefferson School of LawN/AJD - Juris DoctorN/A
Arizona State UniversityN/AOther - BachelorsN/A