Chapter 13 Bankruptcy

Chapter 13 bankruptcy allows you to restructure your debts so that you can begin rebuilding your credit and regaining financial solvency

Chapter 13

A Chapter 13 Bankruptcy allows you to restructure your debts so that you can begin rebuilding your credit and regaining financial solvency.

If you are in foreclosure or behind on your mortgage or car payments and need time to catch up on the payments, you may wish to consider filing a Chapter 13 bankruptcy case as we can oftentimes STOP a Foreclosure!

Chapter 13 bankruptcy is designed to allow consumer debtors to repay only the amount of unsecured debt that they can reasonably afford to repay over a three to five year term. A Chapter 13 bankruptcy case may be appropriate if you do not qualify for Chapter 7 bankruptcy, or if you owe arrearages on a mortgage and would like to keep your home, or if you have a small business and need to restructure your business debt. Chapter 13 bankruptcy is not available to corporations or other business entities.

One important advantage of a Chapter 13 bankruptcy is that in some circumstances it is possible to “strip” a second mortgage or home equity line of credit if the value of your house has declined so that your home is worth less than you owe on your first mortgage. When a second lien is “stripped,” the lien is included as unsecured debt in your Chapter 13 case, so that if you make it through a three to five year repayment plan, the balance of your unsecured debt (including the “stripped” amount) is discharged.

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Arcadia Office
150 N. Santa Anita Ave,
Suite 200
Arcadia, CA 91006
Phone: (626) 446-6442
Fax: (626)-446-6454

Beverly Hills Office
9465 Wilshire Blvd.
Suite 300
Beverly Hills, CA 90212
Phone: (310)-880-5733

La Mirada Office
Cerritos Towne Center
17777 Center Court Drive ,
Suite 600
Cerritos, California, 90703
Phone: 888-888-6542

Los Angeles Office
Gas Company Tower
555 West Fifth Street,
31st Floor
Los Angeles, California, 90013
Phone: (213)-400-4132

Long Beach Office
Landmark Square
111 West Ocean Blvd.,
Suite 400
Long beach, California, 90802

Irvine Office
Oracle Tower
17901 Von Karman Avenue,
Suite 600
Irvine, California, 92614
Phone: (949)-203-3971
Fax: (949)-203-3972

Ontario Office
Lakeshore Center
3281 E. Guasti Road,
7th Floor
City of Ontario, California, 91761

Riverside Office
Turner Riverwalk
11801 Pierce Street,
Suite 200
Riverside, California, 92505
Phone: (909)-996-5644

San Diego
Emerald Plaza
402 West Broadway,
Suite #400
San Diego, California, 92101
Phone: (619)-885-2070

Aliso Viejo
Ladera Corporate Terrace
999 Corporate Drive,
Suite 100
Ladera Ranch, California, 92694
Phone: (714) 721-3822