Chapter 13 bankruptcy is also called debt consolidation or reorganization, and it can be a good option for those with regular income who are having trouble keeping up with the regular monthly payments.

Chapter 13 allows you to keep your property by offering a repayment plan to your creditors over a 3 to 5 year period of time.

Chapter 13 allows homeowners facing foreclosure to bring their loan(s) current by paying the past due amount over 5 years while remaining current with regular future payments. When your home is worth less than the amount you own on your 1st trust deed, we can eliminate your second or third trust deeds while still in most cases eliminating your unsecured debt.

Chapter 13 allows us in certain cases to reduce the amount you own on your automobiles. Taxes can be paid back penalty and interest free.

Immediately upon filing you get an "automatic stay" that stops creditor actions including foreclosure of your home, lawsuits, garnishments, potential repossessions and harassing creditor telephone calls.

There is one hearing that you must attend. Our office will provide you an attorney at the hearing. You will receive a detailed explanation of what is required to be paid before your hearing.

I have more than 20 years experience in this area. I will review your case to make sure all your assets will be protected and that you qualify for this type of relief so you can get a "fresh start".

We will review your income, assets, debts, health, future income prospects, retirement plans, propsects of inheritances, and business assets and other factors to determine whether Chapter 13, some other form of bankruptcy or non-bankruptcy options are best for you.

Contact our office for a free, no obligation consultation at any of our convenient locations.