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San Diego Chapter 13 Bankruptcy Attorney

Helping You Make Credit Payments Affordable Again

When you fall behind on payments, filing a Chapter 13 bankruptcy allows you to freeze debt collection and catch up with payments over time. You can keep your house, car, business, career, and job and make manageable payments over time. Chapter 13 sets up a repayment plan you can afford and allows you to be in control.

Find out if filing for Chapter 13 can help you. Reach out to the Law Offices of Mark L. Miller in San Diego, CA at (619) 494-3821 today!

Is Chapter 13 Bankruptcy Worth Filing?

Chapter 13 repays a portion of your debt over time while the Bankruptcy Court protects you from collection actions. Filing for Chapter 13 lets you keep your house, car and other assets while you pay back some of your debt. If you have fallen behind on your house payments you can get caught up during the bankruptcy case. It also allows you to consolidate your debts into one convenient and affordable monthly payment and usually lowers that monthly payment you have to make.

Consider Chapter 13 if you are:

  1. Behind on house payments
  2. Facing foreclosure
  3. Facing eviction
  4. About to lose your car
  5. Struggling with owed taxes
  6. Struggling with a wage garnishment
  7. Facing a Collection Lawsuit
  8. Feel like you should be able to afford your debt
  9. Would like to feel organized and that you are taking care of your finances
  10. Would like to turn around your debt situation
  11. Sick of debt collectors

Chapter 13 bankruptcy can also allow you to combine all of your debt including credit cards, property taxes, income taxes, and medical bills into one set monthly payment. You can even use it to refinance your auto loan. By refinancing your car payments into only what the car is worth—rather than what you owe—you can reduce your monthly payments as well as the interest rate on the loan.

Debt Consolidation in San Diego

Chapter 13 bankruptcy has many advantages over a debt consolidation. As debt consolidation is not a legal process, creditors are not required to agree to any proposal you make when lowering your payments, making solutions shaky. On the other hand, Chapter 13 bankruptcy is a legal process through which the United States Bankruptcy Court orders creditors to accept an approved Chapter 13 plan of reorganization. All debt is lumped into a single, fixed, affordable monthly payment for three or five years.

The required paperwork in a chapter 13 case can be overwhelming with constant deadlines, court meetings and red tape to follow. You need an experienced chapter 13 attorney working for you who can navigate between the Bankruptcy Court, negotiate with the Trustee, deal with creditors and ultimately get your case approved so you can move forward with your life.

File for Chapter 13 in San Diego

Because bankruptcy law varies significantly from court to court, it is important to find an attorney who is familiar with how the courts operate in your particular area. The attorneys at the Law Offices of Mark L. Miller have experience with San Diego bankruptcy courts and have helped thousands of clients regain their financial freedom.

Are you in the greater San Diego area and have questions about Chapter 13? Call (619) 494-3821 today to schedule a FREE initial consultation with a Chapter 13 attorney.

Our Clients Love Us

  • “Mark Miller and his staff were very helpful and informative throughout my entire time and experience with them.”

    Becca K.
  • “Absolute masters of their craft-Superb”

    Rob C San Diego, CA
  • “Each time the firm surpassed our expectations.”

    Noah W.
  • “Best customer service”

    Hudlin San Diego, CA
  • “I would not hesitate to recommend them.”

    Tim P.
  • “It's safe to say that these lawyers really are some of the good guys!”

  • “Everyone here is extremely knowledgeable, efficient and kind.”

    Jeni R.
  • “"It's complicated"”

    JTurner San Diego, CA
  • “Would recommend them to anyone needing bankruptcy assistance.”

    Kim W.
  • “They have an educated staff that has made my experience great.”

    Mandy H.
  • “His ease with clients amazes me.”

    Ashley K.
  • “You're our Attorney for life!!”

    Mike M.
  • “All with positive results for me.”

    Paul M.
  • “They have an educated staff that has made my experience great.”

    Mandy H.
  • “Everyone is super helpful & accommodating.”

    Clover E.

Why Work With The Law Offices of Mark L. Miller?

  • Experience & Compassion

  • 24/7 Availability

  • Free Consultations

  • Military Discounts

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