Let Us Help You Find a Solution to Debt
How do you pay back debt when even paying the monthly interest is a challenge? Chapter 13 bankruptcy might be the answer. At the California Debt Relief Legal Clinic of San Diego County, we will help you decide which debt relief option best meets your needs, and guide you through every step of the process.
Debt Reorganization Attorneys
When you can’t pay down your debt enough to stop creditor calls, wage garnishments and threats of home foreclosure or car repossession, you need an experienced San Diego Chapter 13 bankruptcy lawyer. John C. Colwell is a Certified Legal Specialist in Bankruptcy Law by the California Board of Legal Specialization of the State Bar of California. He has over 29 years of personal experience and practice in all facets of Ch. 13 bankruptcy. Call 877-663-3287 or e-mail us to schedule a free consultation to discuss your situation today. We have been helping people in California with debt relief since 1975.
Chapter 13 Bankruptcy
For those who don’t qualify for Chapter 7 “liquidation” bankruptcy or who have assets that they want to protect, Chapter 13 “reorganization” bankruptcy is a good alternative. Chapter 13 bankruptcy lets you create a debt repayment plan to pay off your debts over a 36- to 60- month period.
This is especially helpful when you have debts than cannot or you wish not to be discharged through Chapter 7 bankruptcy like:
- Home mortgage (including additional mortgages through Chapter 13 lien stripping)
- Car loans
- Student loans
- Child support
- Alimony (spousal support)
This kind of bankruptcy also has more flexibility than Chapter 7. As long as you keep up with your monthly plan payments, you may not have to repay the full amounts of your debt.
Once your plan ends, you can begin to rebuild your credit score. Contact us to schedule a free initial consultation and start down the road to debt relief.
Anytime you file for bankruptcy, an “automatic stay” goes into effect that stops creditors from trying to collect from you, stops creditor harassment and can even stop foreclosure. Creditors can’t call your home or garnish wages from your paycheck. The automatic stay, while ‘automatic’, can be lifted for various reasons. One of which is when a case is re filed within a year of a prior case. There are many variables to the practice of bankruptcy law, and having an experienced attorney on your side helps you navigate the bankruptcy process successfully.
Helping You Get Relief From Debt
Filing for bankruptcy is not always the best option, but sometimes it is the best way when you need help to get back on track. We are committed to guiding you through the entire process. We’re truly here to help you. Call 877-663-3287 or e-mail us to schedule a free initial consultation with one of our San Diego Chapter 13 bankruptcy attorneys, not a paralegal.