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Filing For Chapter 13? Work With Us Today.

Chapter 13 Bankruptcy Lawyer in Rancho Cucamonga

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When filing for bankruptcy, some individuals are not eligible to file for a Chapter 7 bankruptcy because they did not meet the criteria set forth in a bankruptcy means test. Others simply do not wish to engage in a liquidation process and sell their assets to repay debts. For people who are still seeking debt relief without having to file for Chapter 7, there is another solution: Chapter 13 bankruptcy.

Benefits of Chapter 13:

  • Filing triggers an automatic stay, which stops home foreclosure
  • Automatic stay also stops aggressive collection action
  • Repayment plan is reasonable & flexible and allows you to pay what you can afford
  • Chapter 13 Trustee oversees your case and disperses payments to creditors
  • Allows you to keep the property you are making payments on (home or car, etc.)

If you are struggling against severe debt, reach out to our Rancho Cucamonga Chapter 13 attorney at Atlantis Law Firm. We have years of experience and are able to determine the debt relief option that will work best for your situation. Reach out to us today for a free initial consultation. When you hire our firm, we have affordable payment plans available.

Contact Atlantis Law Firm for a free consultation with a Chapter 13 attorney in Rancho Cucamonga.
Se habla Español. Services are also available in Vietnamese.

What Is Chapter 13?

In Chapter 13 bankruptcy, a person can be relieved from debts that they have accrued and not be forced to sell all their property. This form of debt relief allows families to repay debts through a pre-approved court payment plan that lasts 3 to 5 years.

Do I Qualify For Chapter 13 Bankruptcy?

To qualify for filing Chapter 13 bankruptcy, you must prove that:

  1. Your income tax filings are current. Documentation must be provided for the last four years.
  2. You have enough disposable income to repay your debts and while still living comfortably.
  3. Your debt is within the limitations. As of April 2019, the limits are:
    1. Unsecured debt: $419,275
    2. Secured debt limit: $1,257,850
    3. Note that debt limits change every 3 years.

In regard to the repayment plan, you must be able to show the bankruptcy court that you have enough disposable income to meet your repayment obligations in a 3 to 5-year plan. If you do not have enough, you will not be able to file for Chapter 13.

Chapter 13 for Business Owners

If you are a business owner, Chapter 13 is still an option, but you must file as an individual. If your business is in debt, you cannot file; a better option would be Chapter 11. There may be a few circumstances where a business may file for Chapter 13, however you must reach out to a skilled bankruptcy attorney to find out if your situation is applicable.

How Can a Bankruptcy Lawyer Help Me?

When you file for Chapter 13 with Atlantis Law, the team will immediately begin to work with you to determine the best course of legal action to pursue based on your debts. When a bankruptcy petition is filed, you will gain instant relief from harassing creditor collection attempts and any foreclosure process that may have already begun will be forced to halt.

In a Chapter 13 bankruptcy, you can ensure that you are able to retain all property as well, including your home (if you have low equity on it) and your car. The court-approved payment plan will allow you to lower your payments to repay debts and the repayment system can take up to five or six years to complete. Once the payment plan is finished, all non-secured debt could be considered discharged.

Call a Rancho Cucamonga Chapter 13 Lawyer at (888) 836-2396

At Atlantis Law Firm, the team of trusted and understanding bankruptcy attorneys stands ready to provide clients with outstanding legal representation for their case. With the retention of their firm, you could be able to reach a favorable outcome to your debt situation in a swift amount of time. Atlantis Law believes in providing clients with dedicated legal counsel and completing the bankruptcy petition correctly the first time so that it has a better chance of being accepted.

Related Reading

Any questions or concerns about your situation can be directed to Atlantis Law by contacting the firm and scheduling a free case evaluation with an understanding Rancho Cucamonga Chapter 13 attorney.

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  1. Free Initial Consultations For Bankruptcy
  2. We Speak Spanish & Vietnamese
  3. One on One Attention For Every Client
  4. After Hour Appointments Available
  5. Free Educational Seminars & Pro Bono Services
  6. Affordable Payment Plans
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