What is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy, also known as the "Wage Earner" bankruptcy, is designed for a person who has the ability to pay back some debts, but needs help making debt payments affordable.  Our compassionate bankruptcy attorney can help you stop interest from accruing and structure a repayment plan that fits your budget.    

Is Chapter 13 right for me?

While there are countless reasons to file a Chapter 13 bankruptcy, some of the more common situations are:

• To save a home that is in foreclosure or about to be in foreclosure;
• To pay back non-dischargeable debts, such as student loans, government fines, or taxes;
• To protect property that would be lost in a Chapter 7 bankruptcy; or
• To catch up on car payments.

Everyone struggling with debt faces different challenges.  Therefore, we encourage people with debt concerns to talk to us directly, so we can help you start exploring your options.  Our consumer bankruptcy law firm helps people across the East Bay file bankruptcy to eliminate their debt.  
Call us at 510-556-1160 to discuss your situation.  

Our consumer bankruptcy attorney may be able to reduce your debt to 10% of what you owe.  After determining how much of a debt reduction you deserve, the Chapter 13 bankruptcy rules then require you to pay that reduced amount over a period of three to five years.  During this time, no interest will accrue and your creditors will not be allowed to contact or harass you.  After all of your required payments have been made, the remaining debt will be discharged and you will be free to start your debt free life!