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Cheryl Lynne Stengel

Business Attorney at San Diego, CA

5.0   8 reviews
  • Licensed for 28 years
    State CA
    Acquired 1995
    Active No misconduct found

We have not found any instances of professional misconduct for this lawyer.

About Cheryl

Learn Cheryl’s areas of practice.

Cheryl L. Stengel was admitted to the State Bar of California State in 1995. She has focused exclusively on insolvency work her entire career, including debtor, creditor and trustee representation. She is experienced in all aspects of Chapter 7, 11 and 13 bankruptcy and has represented hundreds of individuals and business entities. She has testified as an expert witness on bankruptcy matters in Superior Court.

Cheryl is a certified legal specialist in Bankruptcy Law by the Board of Legal Specialization of the State Bar of California. She is a member of the U.S. Bankruptcy Court's Local Rules Committee and Advisory Board. She served on the board of directors of the Foothills Bar Association of San Diego County for several years, recently holding the position of President. From 2015 - 2018, Cheryl served on the board of directors of the San Diego Bankruptcy Forum. She recently completed a 3 year term on the State Bar’s Bankruptcy Law Advisory Commission. She has also volunteered with several nonprofit and youth sports organizations.


Law Office of Cheryl L. Stengel
402 W. Broadway, Suite 1230
San Diego, CA, 92101

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5.0 / 5.0
  8 customer reviews
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Posted by BT | January 10, 2024
This review is from a person who hired this attorney.
| Hired Attorney
Simply The Best
Cheryl handled my 2008 Bankruptcy after caring for my father who had cancer for a year out of state. From time to time I have thought to express my gratitude for her excellent work on my behalf and someone pointed out this website. Filing for bankruptcy was a very, very difficult decision and process for me emotionally but she handled it calmly, professionally and in a friendly but no nonsense manner (that I realized in retrospect I needed very much). I am so grateful for Cheryl helping me get my “financial ox out of the ditch” and putting me on a path to rebuilding my life. Fifteen years later I am now retired, have a nice financial nest egg and for years a credit score over 800. THANK YOU CHERYL STENGEL!!!!!!!!
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Posted by Eugene | December 15, 2018
This review is from a person who hired this attorney.
| Hired Attorney
My Bankruptcy Lawyer
From the first day I was recommended to Cheryl Stengel I was given tremendous support, knowledge and confidence in my filing. I was informed at every step of the process and kept apprised of what I needed to do along the way. Cheryl Stengel’s personal and professional approach gave me both comfort and confidence in a time I was at quite a low state. I don’t think I could recommend anyone better than Cheryl Stengel to navigate the changing and at times troubling waters of bankruptcy. She helped get my life back in order for which I am and will be eternally grateful.
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Posted by LIsa | October 31, 2018
This review is from a person who hired this attorney.
| Hired Attorney
The best in San Diego
From reviewing and accepting my case to the final and successful finish of discharged debt, Cheryl lead the process with professionalism and ease. She was honest, informative, patient, kind and consistent. I interviewed three other attorneys and they spent very little time with me and steered me in all different directions. Not Cheryl. Her experience, accolades and personal touch made this experience smooth. I knew what to expect at every turn. I can't recommend Cheryl enough. I'm eternally grateful to her for helping me with a new start. Thank you, Cheryl!
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Posted by Alice | October 4, 2018
This review is from a person who hired this attorney.
| Hired Attorney
I cannot praise Cheryl Stengel highly enough. She is kind & considerate and thorough. I knew exactly what to expect each step of the way, and was prepared for any blips (should they occur). No blips. It was as painless as such a wrenching experience can be. She has my gratitude for an amazing job.
Posted by Steve | September 5, 2018
This review is from a person who hired this attorney.
| Hired Attorney
A Truly Caring Expert
Cheryl made the whole bankruptcy process clear, uncumbersome, and -- dare I say -- pleasant. I don't think anyone wants to declare bankruptcy because it is fraught with emotional issues. But Cheryl framed it from the start in a way that made the whole process easier to tackle: that bankruptcy is a new start. She truly cares and I always felt I was in expert hands. I couldn't recommend her more highly.
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Posted by Aida | December 10, 2015
This review is from a person who hired this attorney.
| Hired Attorney
Cheryl is so knowledgeable and so caring!
From the first time I met with Cheryl I was impressed by how she right away explained the process of filing for Bankruptcy and what I should expect. It was a breath of fresh air to work with an attorney that had my interest as a priority. She is so knowledgeable and made the process so easy. And I was really scared and embarrassed about being in this position and she was so caring throughout the process. Cheryl was always available to me with quick responses to my questions, which were few because she patiently and clearly explained everything to me. It was a different experience to work with an attorney of her caliber, I would recommended her highly and she will always be remembered by me for her fantastic representation. Thank you, Cheryl!
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Posted by John | January 29, 2015
Finally out of bankrupcty!
I hired Cheryl Stengel to represent me as a bankruptcy attorney for the past 4.5 years. During this time, Cheryl guided me systematically through the intricacies of our complex bankruptcy system. I just received my final bankruptcy Chapter 13 discharge. The bottom line: I could not have made it without Cheryl's constant and tireless advice. She is extremely knowledgeable and will always do what is best for her client. I highly recommend her as your attorney for any bankruptcy case.
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Posted by Eric | February 28, 2014
Cheryl's experience and expertise is top notch!
Cheryl came highly recommended to me by another amazing lawyer that I had previously worked with during my divorce. Cheryl was able to help me through an incredibly complicated, borderline Chapter 7 bankruptcy. I say borderline because it was very close to not passing the means test. I can't imagine what might have happened had I not had her representing me. I am sure that the outcome would have been much worse without her. She has a solid command of the process and knows all the players here in San Diego. With Cheryl as your BK lawyer, you can rest assured that she will perform the heavy lifting as long as you do your part and get her the information that is required throughout the process. I was absolutely impressed and relieved when my bankruptcy proceedings were completed. Thank you Cheryl!
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AVVO RATING 9.3 (Superb)

Work Experience

  • Owner
  • Law Office of Cheryl L. Stengel
  • 2013 - Present


  • Thomas Jefferson SOL
  • law
  • 1995
  • Western State Univ
  • undergraduate
  • N/A


  • San Diego Bankruptcy Forum
  • Director
  • 2015 - Present
  • Foothills Bar Association of San Diego County
  • Officer
  • 2007 - Present
  • National Association of Consumer Bankruptcy Attorneys
  • Member
  • 2005 - Present
  • San Diego County Bar Association
  • Member
  • 1996 - Present
  • East County Family YMCA
  • Board of Management
  • 2011 - 2014
  • Rancho San Diego ASA Girls Softball
  • Board of Directors
  • 2010 - 2013
View all associations

Honors and Awards

  • Certified Specialist in Bankruptcy Law
  • Board of Legal Specialization, State Bar of California
  • 2007


  • Common Assessment Magazine
  • Seeking Protection From Creditors in the Bankruptcy Court: Buying Valuable Time or Ticking Time-Bomb?
  • 2013

Speaking Engagements

  • Thomas Jefferson School of Law
  • Nuts and Bolts of Bankruptcy
  • 2014
  • San Diego County Bar Association
  • Bankruptcy and Secured Loan Enforcement
  • 2011
  • Foothills Bar Association
  • Judgment Enforcement/Debt Collection Issues in Creditor Representation
  • 2011
View all speaking engagements

Attorney endorsements

Received (4)
Given (2)
Endorse Cheryl
Bankruptcy and debt Attorney | Jan 24
Relationship: Fellow lawyer in community
"I have known Cheryl for more than 20 years. If I cannot take on a bankruptcy case, she is my first choice for the referral. She is not only a great attorney, but is also personable and treats her clients with compassion and respect. Cheryl possesses the right combination of expertise and skill, while also being attentive to her clients’ needs."
Bankruptcy and debt Attorney | Jan 21
Relationship: Worked together on matter
"I endorse strongly endorse Mrs. Stengel. We worked together on a matter for a client of mine, for whom she obtained a very favorable result."
Bankruptcy and debt Attorney | Oct 06
Relationship: Fellow lawyer in community
"I endorse this lawyer. Personable, professional, proficient, honest, and kind."
Bankruptcy and debt Attorney | Sep 18
Relationship: Fellow lawyer in community
"I endorse this lawyer. I admire her legal skills and expertise. Always professional and engaging."

Avvo Contributions

This attorney hasn't created any legal answers in Q&A or legal guides recently on Avvo.

San Diego Business Lawyer Cheryl Lynne Stengel
Cheryl Lynne Stengel
Business Attorney
San Diego, CA
Licensed for 28 years