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Chapter 13 Bankruptcy in San Diego

Make Credit Payments Affordable Again

When you fall behind on payments a Chapter 13 Bankruptcy allows you to freeze and stop debt collection and get caught up with payments over time. Relieve your stress! 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!

Contact the Law Offices of Mark L. Miller to explore your bankruptcy options. Call (619) 494-3821 now.

Should I File a Chapter 13 Bankruptcy Case?

If you are facing a foreclosure, car repossession, or wage garnishment then a Chapter 13 may be your best solution. A Chapter 13 case repays a portion of your debt over time while the Bankruptcy Court protects you from collection actions. 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 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 any of these apply to you:

  1. Behind on house payments;
  2. Facing foreclosure;
  3. About to lose your car;
  4. Facing eviction;
  5. Owe taxes;
  6. Wage garnishment;
  7. 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.

Manage Debt without Going Broke

Chapter 13 bankruptcy can 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.

Why Not Debt Consolidation?

Chapter 13 bankruptcy has many advantages over 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.

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

Do you live or work in the greater San Diego area and have questions about Chapter 13 Bankruptcy? Call the Law Offices of Mark L. Miller at (619) 494-3821 today to schedule a free initial consultation.

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