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Orange County Chapter 13 Bankruptcy Lawyer

Reorganizing Your Debt in Orange County

Financial troubles can cause serious anxiety, especially if you do not know how to resolve your debt problems. If you are in the midst of a difficult financial battle and aren't sure which way to turn, it is important to develop a strong understanding of the options available to you. Filing for bankruptcy is may be a beneficial financial tool in your situation.

Chapter 13 bankruptcy is an opportunity for debtors to reorganize their finances and pay back creditors with a payment plan. If you have a sustainable source of income and are able to pay some debts off, this type of bankruptcy may be best for you. In a Chapter 13, you will reorganize your creditor payment plans to pay off your unsecured debts in a timeline that suits your budget.

Once your petition has been filed, the court will issue an automatic say, which will stop:

If your car has already been taken, you may even be able to recover it after filing for Chapter 13 bankruptcy. By reorganizing your finances, you can not only pay back creditors but can also protect your home from foreclosure.

Most Chapter 13 payment plans last between three and five years and will be supervised by the Federal Bankruptcy Court. If there are any unpaid debts after your repayment program has been completed, the court may order them to be discharged. In many cases, individuals are allowed to maintain their property as long as they closely adhere to the court-approved payment plan.

Restructuring of Creditor Payment Plans

When you file for Chapter 13, the money to repay your debts is sent to a court-appointed trustee who distributes it to your creditors. At 1st California Law, we can provide you with additional information on this form of debt relief so that you fully understand the process.

Our firm has assisted many clients who are seeking bankruptcy protection, striving to provide our clients with the highest level of legal service. The Orange County bankruptcy lawyer at our firm is committed to helping you improve your financial situation. Contact us today for dedicated support.

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