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Filing for Chapter 13 Bankruptcy in Anaheim

Discharge Debt with the Help of an Attorney

Life happens. When unexpected expenses pile up and your regular income is unable to keep up, you may be eligible for Chapter 13 bankruptcy. Chapter 13 bankruptcy allows you to consolidate unpaid debts and pay this back over a three to five year period. Your unique circumstances determine the total amount that needs to be repaid to creditors. At the end of the Chapter 13 process, any obligation for the debt is eliminated.

Discuss your situation with a Chapter 13 lawyer at Ethan Chin Law by calling (714) 551-5595 or contacting us online as soon as possible.

Requirements for Chapter 13

If you do not qualify for Chapter 7 bankruptcy and are unable to catch up on the mortgage or car payments, Chapter 13 might be right for you. Before making any decisions about bankruptcy, consult with a knowledgeable attorney. You should understand what every type of bankruptcy entails and whether you qualify.

Requirements for a Chapter 13 bankruptcy filing include:

  • A consistent source of income, such as a job or business
  • Debts are under a certain amount defined by the government
  • A monthly payment plan can repay a large chunk of debt

For Chapter 13 bankruptcy, the bankruptcy court will consider wages, benefits, welfare, and child or spousal support as income in determining whether you qualify for a Chapter 13 filing.

Chapter 13 vs. Chapter 7

Unlike a Chapter 7 bankruptcy filing, Chapter 13 is for those with an income that can support regular payments. Because there are payments made, you retain assets that would be lost in Chapter 7. Rather than losing property, Chapter 13 provides a solution to keep what you own and eliminate debt in the process. Additionally, Chapter 13 can help you rebuild credit. Since the payments occur over time, making steady and reliable payments can prevent a devastating hit to your credit.

Helping Clients Find Debt Relief

Bankruptcy is stressful and navigating which type of bankruptcy to file for is overwhelming. While every situation is unique, there are some basic guidelines for choosing the correct bankruptcy filing. At EC Law, Attorney Ethan Chin utilizes his extensive knowledge to help our clients reorganize their lives and reassert financial control. Helping you find debt relief is our primary goal.

Call our Chapter 13 lawyer at (714) 551-5595 for a free case consultation.

Why Choose Ethan Chin Law

  • Available 24/7 By Appointment

  • Meet In A Convenient Location

  • Free & Confidential Consultation

  • Services In English, Korean & Spanish

  • Nearly A Decade Of Experience

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