California Chapter 13 Bankruptcy

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Our San Diego chapter 13 bankruptcy attorneys are ready to help you get your life back on track. Learn more about California chapter 13 bankruptcy laws below and if you have any questions, please call us and we'll be more than happy to answer your questions.

 

Chapter 13 bankruptcy, sometimes called the "wage-earner plan," is most often utilized by working people, who have the desire and ability to pay all, or a large portion, of their debts. Chapter 13 bankruptcy is a good option for individuals whose debt may not be discharged through Chapter 13 Bankruptcy such as student loans, or for those who earn too much money to qualify.

Chapter 13: Repayment of All or Part of the Debts of an Individual with Regular Income (court filing fee, not including attorney fees or costs = $274).

• Chapter 13 is designed for individuals with regular income who would like to pay all or part of their debts in installments over a period of time. You are only eligible for chapter 13 if your debts do not exceed certain dollar amounts set forth in the Bankruptcy Code.
• Under chapter 13, you must file with the court a plan to repay your creditors all or part of the money you owe them from your future earnings. The period allowed by the court to repay your debts may be three or five years, depending upon your income and other factors. The court must approve your plan of repayment before it can take effect.
• After completing the payments under your plan, your debts are generally discharged except for domestic support obligations; most student loans; certain taxes; most criminal fines and restitution obligations; certain debts which are not properly listed in your bankruptcy papers; certain debts for acts that caused death or personal injury; and certain long term secured obligations (like mortgages).

If you need help with filing a Chapter 13 Bankruptcy in California, please call our 24 hour hotline at 1-800-551-7922. Our professional San Diego chapter 13 bankruptcy attorneys are ready to help you get back on your feet and take back control of your life.