Chapter 13
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Assistance With Your Chapter 13 Bankruptcy

If you are earning consistent income, but are 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 wiped away.

This can help you especially if you have fallen behind on your mortgage payments and have a substantial amount of unsecured debt, like credit cards or medical bills. With Chapter 13, you can often eliminate virtually all of this unsecured debt, which can free up enough income to successfully repay your mortgage arrears over five years and return financial stability to your life.

Certified Legal Specialist For Bankruptcy Law

Our attorney, Robert Williams at Williams & Williams, Inc., is among the most experienced Chapter 13 bankruptcy lawyers in Kern County, with more than 40 years of experience. He is also certified by The State Bar of California’s Board of Legal Specialization in bankruptcy law, meaning no matter how complex your financial situation, he can help with a bankruptcy strategy to resolve your debt issues.

We can help you get out of debt and obtain a fresh financial start. To schedule a free initial consultation with our attorney, please call us at 661-748-3948 or use our online form to make an appointment.

How A Chapter 13 Can Help You

By having our experienced attorney assist you in filing Chapter 13, you can:

  • Eliminate or minimize debt: Reorganization can restructure all your debts into one affordable monthly payment; Also, you likely will not have to pay back the full amount of all your outstanding, unsecured debts.
  • Save your home: Even if your home is already in foreclosure, prior to the sale, we can help you save it and restructure your payments.
  • Stop creditor harassment: Filing for bankruptcy invokes the automatic stay, which prevents your creditors from harassing you or even contacting you with collection efforts for the remainder of your bankruptcy.
  • 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 provide knowledgeable and effective representation throughout the period of your repayment plan. We can help you deal with any necessary modifications, whether due to a change in employment or other issues that may develop during the time you are under bankruptcy protection.

If you do not have a stable source of income or many assets, a Chapter 7 is likely to be a better option to obtain a fresh start.

Contact Us For A Free Initial Consultation

Call our Bakersfield office at 661-748-3948 to schedule a free, no-obligation consultation and discuss whether a Chapter 13 is the right solution to your debt problems or use our online contact form. Our office, conveniently located in the same building where the bankruptcy 341 meetings are held, is open Monday through Friday. Saturday appointments are available upon request.

Se habla español/Spanish language services are available.

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