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Chula Vista Chapter 13 Attorney

Eliminate Debt Through Repayment Plans

With Chapter 13 bankruptcy, debtors can reorganize their financial obligations into consolidated monthly payments based on their income. This court-approved repayment plan process usually takes between 3 to 5 years. After this period is completed, much of the debt that remains is discharged and eliminated. Additionally, after this process has begun, creditors are legally barred from pursuing you for payment.

Filing for Chapter 13 might be the ideal option for you if:

  • You have a second mortgage
  • Your home is in danger of foreclosure
  • You do not qualify for Chapter 7
  • You are currently employed or have a regular income
  • You own a substantial amount of non-exempt property
  • You are significantly behind on your car loan payments
  • You want to work towards paying off your debts and can commit to a repayment plan

Find out if filing for Chapter 13 is right for you. Call us today at (619) 458-3739 to schedule your free initial consultation with our law office in Chula Vista!

How Filing for Chapter 13 Bankruptcy Works

Sometimes referred to as a wage earner's debt relief option, Chapter 13 bankruptcy has certain unique benefits not available in other forms of federal debt relief, such as Chapter 11 bankruptcy. The most significant difference is that almost any type of debt, both secured and unsecured, can be dealt with under a Chapter 13 bankruptcy declaration process.

The benefits of a Chapter 13 bankruptcy include:

  • Possibly eliminating second mortgages or liens on your home
  • Clearing from your credit report in 7 years (Chapter 7 takes 10 years to clear)
  • Providing the opportunity to negotiate the balance on your car loan to current market value
  • Allowing you to manage delinquent student loans, child support payments, and tax obligations
  • Allowing you to keep both exempt and nonexempt properties, such as your home, second houses, vehicles, or boats

Find Debt Relief With Our Chapter 13 Attorneys in Chula Vista

Declaring Chapter 13 is a proactive approach to tackling overwhelming debt. However, it is a complicated legal procedure that should be done by an experienced bankruptcy lawyer. At Denton Law Group, our bankruptcy attorney in Chula Visa can provide the unwavering representation you require to ensure your rights are protected and the personal attention you deserve throughout the entire process.

Contact the Denton Law Group today for the representation you deserve on your way to becoming debt free. 

  • Frequently Asked Questions

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