Cerritos Chapter 13 Bankruptcy Lawyer
Is Chapter 13 the relief you are seeking?
Through Chapter 13 you can adjust your debts to retain your property and pay off your debts over a specified amount of time, usually 3-5 years. The essential element in any Chapter 13 proceeding is a repayment plan. If done correctly, this will satisfy the demands of your creditors and prevent harassment while putting you in control of your finances. The bankruptcy process is governed by specific regulations and can become complex. At RJB Law Offices, we have assisted thousands of good, hard-working people through financial stress. An experienced Cerritos bankruptcy attorney may be able to successfully guide you through Chapter 13 proceedings.
Chapter 13 has the advantage of allowing you to keep your home, vehicles and personal property while your debts are paid off. Imagine the relief of having a realistic plan to pay off your debts, including your mortgage, while maintaining control of your assets.
The procedure begins with a petition to the court which demonstrates that you are qualified for Chapter 13 and includes, among other items:
- A full list of all properties that you own
- A specific list of all creditors and the amount they are owed
- How your income is made, the amount, and how often you are paid
- A detailed list of monthly expenses such as your mortgage or rent, food, car payments, clothing and utilities
A New Beginning
People that own a business or are self-employed are eligible for Chapter 13 filing if they meet the debt amount requirements. We will work with you to determine if you are eligible and towards making certain that this is clearly communicated to the court. Our experience can be utilized to help form a repayment plan that is both workable for you and will satisfy your creditors and the court. Once your petition for Chapter 13 is filed, this can be used to forestall creditor debt collection actions. Chapter 13 may help in IRS tax resolution problems as well. Bankruptcy does not have to be viewed as an adverse situation in your life. It can supply a new beginning that can lead towards financial success and stability.
Contact an experienced Cerritos Chapter 13 Bankruptcy Lawyer when you do not seem able to pay your debts and aren't certain of how to proceed.
Real Stories From Real People
“Discussing my situation with Ray was incredibly helpful.”- Past Client
“My husband and I are very pleased with how RJB Law Office helped us in our financial situation and appreciate the continues tips to better ourselves in our finances and building up our credit.”- Past Client
“Excellent service and very good advice.”- Past Client