Home
Chapter 7 Short Overview
Chapter 7 Eligibility
Chapter 13
How Chapter 13 Works
Chapter 13 vs. 7
Step by Step  Chapter 13
Discharge Your 2nd
Ch7 & Secuered Property
Bankruptcy Attorney
EXEMPT Assets
Bankruptcy Q & A?
Debt Relief Options?
STOP Creditors Harassing
Stop Repossessions
Stop Foreclosure & Sale
Qualify for Bankruptcy?
How to Choose Atty
Prior Bankruptcy INFO
Stop All Creditors Calls
Reaffirmation of Debt
Charge Off Debts
Facts About Bankruptcy
Debts Not Dischargeable
Glossary BK Terms
Why a  Pre-BK Review?
Disclaimer
Mobile Notary Services
Received a 1099-C ?
Bankruptcy Process Info
Pros & Cons of BK
MAP
Benefits of CH 13 Are?
Chapter 13 Debt Relief
Chapter 7 Debt Relief

 

 La Mesa

Bankruptcy Chapter 13 Attorney Casey

619- 447-6780

 

 MOBILE PHONE CLICK HERE

 

365 Broadway, #203, El Cajon CA, 92021 DIRECTIONS

 

 

Free Bankruptcy Consultation

 

Is Chapter 13 a Better Option For You Than Chapter 7? Do You Qualify for Chapter 7?

Find out the difference between Chapter 13 and Chapter 7 bankruptcy during a free consultation with a bankruptcy attorney serving the La Mesa area.  Both Chapter 13 and Chapter 7  are Bankruptcy debt relief methods.  For  La Mesa area,  

Call for a Free  Bankruptcy Consultation with Attorney Casey

619 447-6780 for your  free bankruptcy consultation

Bankruptcy La Mesa, CA.  For  Chapter 13 or Chapter 7 Bankruptcy.

Chapter 13 vs. Chapter 7

Whether you need relief from garnishments, liens, foreclosures, credit card debts, medical bills or the constant harassment from your creditors, Bankruptcy can help you get a fresh financial start. Please call for your free consultation!

Call (619) 447-6780 and learn about:  

How Bankruptcy Can Stop Creditors from Harassing You  

  How to Eliminate most OR all of your debts  

   What property you can keep after a Bankruptcy Filing

 Whether Chapter 7 liquidation or Chapter 13 is right for you.

Free phone consultation. 

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.

Compare Chapter 13 Better To Chapter 7. What Chapter Best For You?

What are the differences between  the debt relief  methods of bankruptcy?

Most people can qualify for Chapter 13 if they have an income and who have a regular source of income and owe unsecured debts of $336,900.00, or less, and whose secured debts are $1,010,650.00, or less.  You may file Chapter 13.

Debtors who are facing foreclosure of their home, repossession of their vehicles, seizures of assets and IRS wage garnishments, can stop such actions of creditors by filing for Chapter 13 protection if they meet the qualifications of having a regular source of income and the total amount of their debts are within the amounts of debt limitations of the title 11 under the bankruptcy chapter 13. Debtors file a plan of reorganization involving monthly plan payments for a minimum of three years, but not more than five years. During the term of the Plan, the debtor pays any arrearages for secured property that are to be retained and non-dischargeable liabilities such as certain kinds of taxes.

Chapter 13 is preferred by debtors who have valuable assets, such as a home, boat, plane, coin collection or other assets that are not completely covered by state or federal exemptions and that they wish to keep these assets.  With Chapter 13, this is possible since debtor proposes a plan to repay creditors over a three to five year time period during such time the debtor(s) can pay the overdue payments on any assets. They can also pay into the plan the equivalent value of any assets not covered by exemptions. Most people use this plan when they have assets that are worth more than the debt. Or the house they own right now may be worth less than what they owe but it would be beneficial for them to keep the residence.  Since the debtors plan will require regular monthly or biweekly payments, Chapter 13 is usually only appropriate for an individual debtor who has a regular source of income.

During the confirmation hearing, the court will approves or disapproves the plan. this mainly is based on weather the plan meets the Bankruptcy Code’s requirements for confirmation. Chapter 13 and chapter 7 are there to help the debtors but they are very different from each other. Chapter 13 debtor commonly remains in possession of the property of the estate and makes payments to creditors, through the trustee. The trustee gets a portion of each payment. The payment is based on the debtor’s anticipated income over the life of the plan.  Unlike a chapter 7, in a  Chapter 13, the debtor does not receive an immediate discharge of debts. The debtor must complete the payments required under the plan before the discharge is received. What is nice about Title 11, Chapter 13, the debtor is protected from lawsuits, garnishments, and other creditor action while the plan is in effect. The discharge is also considerably broader (more debts are eliminated) under Chapter 13 than the discharge under Chapter 7.   The major down side is that the plan must be paid back over time.

Also your payment to the Trustee in a Chapter 13 Bankruptcy  must begin within thirty (30) days of the petition date. The Chapter 13 Trustee distributes ninety percent (90%) of the funds to creditors pursuant to the terms of the Plan.

The Chapter 13 debtor is entitled to receive a Discharge Order from the Bankruptcy Court upon completion of all payments of a Plan that has been confirmed by the Court. The Discharge Order releases the debtor from all claims of creditors provided for in the Plan or disallowed by the Court.  This is one of the protection under Chapter 13 bankruptcy.

A creditor who received timely notice of the filing of the Chapter 13 petition, but failed to file a formal written clam may NOT thereafter bring or continue a legal action to collect the discharged debt.

Certain long-term obligations of a debtor are not, however, discharged by the filing or successful completion of a confirmed Chapter 13 Plan. Home mortgage payment is an example of this. The obligations of the debtor that survive completion of the Plan. In other words you have to pay the remaining balance on the debt. Home mortgage payments and vehicle payments when a debtor elects to retain such assets, alimony, child support, most student loans, debts arising from death or personal injury due to driving while intoxicated or under the influence of drugs; and debts for restitution or for a criminal fine.  91941, 92942, 92943, 91944.

If a Chapter 13 Trustee or a creditor files with the Court an objection to the Confirmation of a Plan, the Court schedules a hearing to determine if the proposed Plan complies with the law. The Plan must provide that all the debtor's projected net income will be paid to the Chapter 13 Trustee for the life of the plan. Net income is determined by applying the debtor's take-home pay against his monthly reasonable and necessary expenses.     Should You File Chapter 13 or Chapter 7. Debt Relief  La Mesa Ca.

Whether you need relief from garnishments, liens, foreclosures, credit card debts, medical bills or the constant harassment from your creditors, Bankruptcy can help you get a fresh financial start. Please call for your free consultation!

Call (619) 447-6780 and learn about:  

How Bankruptcy Can Stop Creditors from Harassing You  

  How to Eliminate most OR all of your debts  

   What property you can keep after a Bankruptcy Filing

 Whether Chapter 7 liquidation or Chapter 13 is right for you and much more!

This communication is an “Advertisement” as defined by the California Rules of Professional Conduct and California Business and Professions Code. No communication herein shall create an attorney-client relationship unless a separate retainer agreement is signed by an attorney and client. This material is for informational purposes only and not intended to provide legal counsel or legal advice to you.

The Law Office of David A. Casey represents individuals and businesses seeking Bankruptcy relief.

 

Learn the difference between Chapter 13 and Chapter 7 Bankruptcy. Both are Bankruptcy debt relief methods. In La Mesa area, call for your Free Bankruptcy Consultation.

Should You File Chapter 13 or Chapter 7?  For Debt Relief Free Consultation

     CALL TODAY

     (619) 447-6780

Compare Chapter 13 Better To Chapter 7. What Chapter Best For You?

 

                                       

Residents of La Mesa,  your are just minutes away to get your debt relief started. There is no need to go downtown San Diego.  My office is located next to two major freeways in El Cajon.  Just  minutes away from:  La Mesa, Lemon Grove, Lakeside, Alpine.  My office also has an onsite pubic notary for your convenience if needed.   Notary is not part of the law office but is inside my office.

LaMesaBankruptcyChapter7.com

 

Cities :  Santee 92071 92072 , El Cajon 92019 92020 92021 92022 ,  Lakeside 92040,  La Mesa 91941, la Mesa 91942, La Mesa 91943, La Mesa 91944, Jamul 91935, Alpine 91901, Spring Valley 91976, 91977, 91978.  If you don't see your city just give me a call.
Call (619)  447-6780 

Talk to a Bankruptcy Attorney La Mesa, CA

FREE CONSULTATION
Call (619)  447-6780   Talk with a Bankruptcy Attorney today!

Should You File Chapter 13 or Chapter 7? Debt Relief La Mesa, Calif. Call Attorney Casey for Free Bankruptcy Consultation.

        Get a Free Consultation With An Attorney                                            
Area of Service :Alpine 91901, El Cajon 92019-92020, 92021, 92022. La Mesa 91941, 92942, 92943, 91944.  Lakeside 92040  Lemon Grove 91945, 91946.  Ramona 92065,  Santee 92071.  Spring Valley 91976 92977 91978 91979
 

We are a debt relief agency. We help people file for relief under the Bankruptcy Code. 

Call 619  447-6780

Bankruptcy Attorney La Mesa. Chapter 7, Chapter13 Bankruptcy

La Mesa Bankruptcy Attorney. Chapter 7, Chapter13 Bankruptcy

Compare Chapter 13 Better To Chapter 7. What Chapter Best For You

 

 We are a debt relief agency. We help people file for relief under the Bankruptcy Code.

Get started on debt relief today under the Bankruptcy Code.

Is Bankruptcy right for you? Is Chapter 13 or Chapter 7 Bankruptcy. Both are Bankruptcy debt relief methods. In La Mesa call for Free Bankruptcy Consultation.

 

What’s best? Chapter 13 or Chapter 7. Debt Relief Protection

La Mesa Chapter 13 | Bankruptcy Attorney | Chapter 13 Relief

Bankruptcy La Mesa,  For  Chapter 13 or Chapter 7 Bankruptcy.

Compare Chapter 13 Better To Chapter 7. What Chapter Best For You