Chapter 13 Bankruptcy and Debt Reorganization Lawyer

Serving Clients in Bakersfield and Kern County

If you are earning consistent income but unable to get out of debt, filing for Chapter 13 bankruptcy allows you to reorganize your debt with a court-supervised payment plan. The repayment plan period generally lasts three to five years, and once you complete all payments in your plan, your dischargeable debt will be discharged.

Attorney Robert S. Williams at Williams & Williams, Inc., is the most experienced Chapter 13 bankruptcy lawyer in Kern County, California. We can help you get out of debt and obtain a fresh financial start. To schedule a free initial consultation, please e-mail us or call locally at 661-323-7933 or toll free at 800-414-7078.

Understanding the Benefits of Chapter 13

By having a skilled attorney assist you in filing Chapter 13, you can:

• Eliminate or minimize debt: Reorganization structures all your debts into one affordable monthly payment; you will not necessarily have to pay back the full amount of all of your outstanding debts.
• Save your home: Even if your home is already in foreclosure, prior to the sale, we can help you save your home and restructure your payments.
• Stop creditors: Filing for bankruptcy invokes the automatic stay, which prevents your creditors from harassing you or even contacting you in collection efforts.
• Stop garnishment and levies: By filing for bankruptcy, you can halt wage garnishments and bank levies. You may even be able to have some garnished funds returned to you.

We continue our knowledgeable and effective representation throughout your payment period. We will handle any necessary modifications, whether due to a change in employment or cost of living.

If you do not have regular income, you may wish to file under Chapter 7.

Contact Us ° Free Initial Consultation

Contact our firm to schedule a free no obligation consultation and discuss whether you are eligible for Chapter 13 debt reorganization. Our office, conveniently located in the Bankruptcy Court building, is open Monday through Friday. Saturday are available upon request.

Se habla Español./Spanish language services are available.

Williams & Williams, Inc.
1300 18th Street, Suite B
Bakersfield, CA 93301
Phone: 661-323-7933
Toll Free: 800-414-7078
Fax: 661-323-9855
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