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  • "This outfit is top notch in every respect. Thank you Mr. Wadhwani for guidance and support through a very complex bankruptcy case. Thank you for a great staff that is always friendly and ready to answer questions or help however they can. Thank you for offering high powered legal ...

    Gene C. (Riverside, CA)
  • Our experience with Greg and his staff was easy, convenient and stress free. From the moment we were greeted until all was resolved, everyone there took the time to patiently answer all our questions, return phone calls in a timely manner, and reassure us that all was being taken care of. ...

    G. & C. S (Palmdale, CA)
  • Greg's knowledge surprised me and the way he explained everything over the phone was unbelievable. I felt so calm and in control again. I highly recommend this group. Thank you Greg.

    E. A.
  • Thank you! Greg Shanfeld and his partners have seen us through a very difficult time. We have worked with them for the past 15 months and have always been shown respect, kindness and a high degree of professionalism. We went through three simultaneous bankruptcies and any questions we had, ...

    O. & S. B (Los Angeles, CA)
  • I was really pleased with the settlement assistance I received from Greg. From the beginning he was straight with me in regard to what I could expect as well as what his fees would be. I was not misled or over charged! I feel as though he had my best interest at heart and really went to ...

    K.M. (Long Beach, CA)
  • The office of Wadhwani & Shanfeld is an outstanding team. Greg Shanfeld is the best lawyer I have ever worked with. He has an amazing ability to keep you calm during such a stressful time. Dealing with a bankruptcy is not easy, but Greg and his team make sure to answer any questions you ...

    L.J. (Granada Hills, CA)
  • I just wanted to take a few minutes to thank you and your team for all your help with my bankruptcy case and one of the most stressful times of my life. Molly Froschauer and Karine Karadjian are both amazing lifesavers!! Molly always took the time to make sure that I understood everything ...

    G. Burns
  • My good friend referred me to Greg Shanfeld for advice regarding a bankruptcy. My friend mentioned that he is the best bankruptcy attorney, and I could quickly see why. It was nice being represented by someone so well-rounded. I walked in and I felt very comfortable after Greg explained ...

    N. Centeno (Burbank, CA)
  • Raj, thank you so much for settling my second mortgage. You saved my house, and I am very appreciative. Molly was also great throughout the process. I thank you for being very patient with all of my questions and as you pointed out to me, it would take time, but we would likely end up with ...

    PP (Reseda, CA)
  • Making the decision to file bankruptcy was the hardest decision I’ve ever had to make. I am so grateful that I found Wadhwani & Shanfeld to handle my case and to guide me through the process. Greg was so incredibly helpful. He was compassionate and truly understood what a difficult ...

    L.G.K. (Los Angeles, CA)
  • I would like to thank you Raj and your amazing staff for taking such great care of me during my bankruptcy. I have always been so afraid to look into such a financial decision like this but thanks to you and your staff all of my questions were answered. You and your staff made me feel ...

    G.S.
  • If you are visiting this web page because you are searching for a Bankruptcy Attorney, I would suggest you look no further. Despite the reason you may be in a position to be looking at bankruptcy, I can personally confirm that Wadhwani and Shanfeld are an amazing team of people. They are ...

    Pam P.
  • From our first phone call to our court date, Greg and his knowledgeable staff, held our hands, answered our questions, and calmed our panic. They managed to put all our fears to rest and saw us through to the end. The times we were in the office we were invited to feel at home, offered ...

    Gregg S.
  • This law firm is top notch! We were really unsure about what we were going to do financially, from the first phone call we were put at ease. We were given knowledge and guidance on how bankruptcy works and given time to look at the available options that would fit our circumstances. Once ...

    Anthony W.
  • I am happy to say I received exceptionally good customer service from Raj Wadhwani & his legal team. I used to have a credit score of 760+, but I began to fall behind on my mortgage payments. It came to a point where it became necessary for me to consider filing a Chapter 13 bankruptcy to ...

    R. M.
  • I will never regret making the phone call. They were wonderful! If you’re scared and need help this is the place to call. Very understanding and helpful in rearranging our future! Our bankruptcy was treated like we were the only clients this firm had. Our future is brighter because of ...

    Tammy P.
  • I found the law office of Wadhwani & Shanfeld during an Internet search. I didn't know what to expect, and went with a cautious attitude to my free consultation. After I presented my case to Greg Shanfeld, he made me feel comfortable and more assured in the positive outcome of my case. My ...

    Jenny Z.
  • My wife and I went through couple of years of heavy losses. We lost our business, the bank foreclosed on 5 properties and we received law suits connected with the losses. We are a hard-working, honest family who sacrificed our comfort to try to pay off our debt. When we realized we were ...

    T & T S.
  • I would like to express my thanks to Wadhwani & Shanfeld. My husband and I were at a complete loss and felt we had nowhere to turn. The debt we had was so overwhelming and we didn’t see a way out of it. With the help of Greg Shanfeld and the staff, we have eliminated a lot of the debt and ...

    TJ S.
  • When my wife and I finally made the decision to file for bankruptcy, I spent more than an entire month looking for an attorney that we were both comfortable with, although I never expected it would take that long. We spoke with single attorneys who were doing bankruptcies on the side to ...

    Steve S.
  • Greg and his team were very helpful during the bankruptcy process. Greg was easy to reach and always available to answer our many questions and concerns. We would definitely recommend him to anyone filing bankruptcy!

    Elizabeth C.
  • I am so happy that I chose Mr. Shanfeld as my lawyer. He is definitely the best lawyer. He is so intelligent and very patient. He can explain everything in such a detail until I understand. His team is so friendly and they can simplify the complicated situations. This is a very ...

  • Raj, I hope this email can be used as a testimonial to the wonderful experience my wife and I experienced with your firm. Mainly, the support staff always treated us with dignity, professionalism and a friendliness you only find in Disneyland. Obviously, and without question, the level of ...

    J&L G (Woodland Hills, CA)
  • Hi Raj, I wanted to thank you for the wonderful job that you and your staff did in walking me through bankruptcy. You probably don't remember, but I started off with another firm and was extremely dissatisfied with their service. I have nothing but praise for the service I received from ...

    LS (Lancaster, CA)
  • Raj and his staff have been amazing every step of the way! I could tell the difference between Raj and other bankruptcy attorneys from the very first phone call. When I first called, I was transferred to Raj right away. He made me feel comfortable and then accommodated me to come in the ...

    RL (Los Angeles, CA)
  • Filing personal bankruptcy isn't something I would have envisioned myself ever having to do. However, working with Raj and his team made the experience extremely painless and quite easy, actually. We had previously worked with Raj with our estate plan, so the decision to use him again was ...

    LS (Granada Hills, CA)
  • Dear Raj, T & I would like to thank you for handling our bankruptcy. We appreciate the professionalism served by you and your staff. Everything went quickly and peacefully at our hearing. We felt it was due to your expertise and the way you handled our case. Again, thank you for expediting ...

    P&T M (Yucaipa, CA)
  • Raj and Lily, I want to extend my heartfelt thanks to you both. Raj, since day one, you brought a sense of confidence and optimism that set the perfect tone to the success of our objective. Lily, you are the ultimate professional. Not only are you excellent at your job, you are a fantastic ...

    PG (Aliso Viejo, )
  • We found Wadhwani & Shanfeld through the yellow pages and it was the best choice we made. Mr. Wadhwani and his staff were honest and forthcoming with their strategy. All of our paperwork was done in an accurate and timely manner and they spent much time in making sure that everything was ...

    R&A S (Encino, CA)
  • It is my great pleasure to recommend Mr. Raj Wadhwani and his law firm. A friend highly recommended Mr. Wadhwani. I had the misfortune of being in need of filing for Chapter 7. After reviewing my case with few other firms prior to meeting with Raj, given the complexity of my case, they ...

    AC (Los Angeles, CA)
  • Dear Raj, after receiving the Discharge Certificate from the court I have been meaning to take a few minutes to thank you for all the great work you and your team have done handling my bankruptcy case. Thank you for the professional and efficient manner on which each of you took care of my ...

    OG (Marina Del Ray, CA)
  • Raj, I would like to THANK YOU for the great service and help you have provided me and my family. We are in a much better position now financially, mentally and emotionally. None of this would have happened without your great advice and support. Before I came to you, I met with 2 other ...

    EDV & MG (Lakewood, CA)
  • Hi Raj, I just wanted to thank you again for today. You made a very difficult and stressful situation & anticipated day much easier for me and I hope you know how much I appreciate that. I feel very lucky to have just found you online and gone with my gut feeling that you would be the ...

    SV (Redondo Beach, CA)
  • I have highest praise for Mr. Wadhwani and his staff. This experience could have been unpleasant, however, it was not. Mr. Wadhwani, Molly, and Karine were not only professional, they were caring. They answered all of our questions and took the time to explain those things we were not ...

    Linda Gadegaard (Rancho Cucamonga, CA)
  • i recently filed b.k. case and i am glad and blessed my attorney was wadhwani&shanfeld.i was always informed and walked trough every step of the way,i was never left out with any doubt or any question unanswered and always my spouse and i were accommodated to every need.i have the ...

    daniel/darline moran (santa fe springs, CA)
  • Back in 2011 I did not know what I was going to do.That was until I heard you on the radio.Wadhwani & Shanfeld helped me in a way I couldn't have imagined,,,I qualified for Chapter 13 bankruptsy. I tried debt consolidation but was still getting calls from the bill collector's. Mr Gregory ...

    Kathryn Calderon (Wilmington, CA)
  • From the first call to my current structured payments, everything went smooth. Mr. Shanfeld and staff, answered my questions and gave me peace of mind. I trust Mr. Shanfeld 110 % and recomment him and the law firm to everyone, looking for peace of mind, when things go wrong. When you need ...

    Cynthia Ford (Long Beach, CA)
  • THEY HANDLED OUR DEBT GREAT !! GREG WAS THE BEST. EVERY THING WENT SO SMOOTH.. I WAS SO TIRED OF CREDITORS CALLING ALL THE TIME. THE DEBT CONSOLIDATION WENT SO SMOOTH! AT FIRST I SIGNED ON WITH A BOGUS LAW FIRM AND LOST ELEVEN THOUSAND DOLLARS!!!!!!!! THEY EVEN GOT MY MONEY BACK FROM THAT ...

    JOHN & SANDY RIEN (MANTECA, CA)
  • Before I filed for bankruptcy, I spoke with 3 different attorneys with different views about my case. Then while yelping, I found this company and Greg was amazing! The attorneys I spoke with told me I couldn't file for chapter 7 cause of my income, and they charge half of the price. Then ...

    Elaine (Los Angeles, CA)
  • I've had some major financial issues. From bankruptcy, to dealing with a physical work disability, and the loss of my mother, and the inherency of her estate..I was completely lost, until I found this company. They made me feel so much better during this dire time, and that in itself is ...

    Dave Heady (Seal Beach, CA)
  • I am very glad I contacted this company for help with my creditors. They were very helpful and friendly. I felt like they really cared. I would recommend this to anyone needing help.

    Charlene Garcia (Pomona, CA)
  • Greg is the best of the best! Greg and his team is the best support system when both my husband and I were going thru hardships! Please call Greg for your bankruptcy needs! He is an expert and the best!

    Angelica Gonzalez (Bell, CA)
  • I love this place i will highly recommended to my freind and family very professionals excelent prices. Thank You Mr. Shanfeld You are the best

    CESAR A ALVARADO (van nuys, CA)
  • Greg was very helpful and did all the hard work for me. I applied for Chapter 7 and got all my debts discharged as we were hoping for. I highly recommend this law firm.

    Ryan W (Lancaster, CA)

Our Southern California Law Firm Puts Your Future First

At Wadhwani & Shanfeld, we individualize our approach for each individual. As our client, our goal — first and foremost — is to find a tailored solution just for you. We are hands-on lawyers who work closely with every client to make sure they receive excellent service and make informed decisions. Get over 40 years' bankruptcy experience and extensive knowledge about bankruptcy filing. If you did not qualify for Chapter 7 bankruptcy, Chapter 13 bankruptcy, also known as reorganization bankruptcy, may be an alternative option.

Call our firm to determine whether Chapter 13 bankruptcy is right for you.

What is Chapter 13 Reorganization Bankruptcy?

Chapter 13 bankruptcy, or reorganization bankruptcy, allows the filer to restructure his or her debt into a three to five year repayment plan. With this option, the filer could end up discharging some debts while obtaining more time to pay off others. Even if a debtor does not pass the qualifying means test required to file for Chapter 7 bankruptcy, there is a good chance that they will be eligible to file under Chapter 13 of the United States Bankruptcy Code.

Filing for reorganization bankruptcy could allow you the second chance you need to turn your financial situation around and to achieve renewed stability and peace of mind.

Chapter 13 bankruptcy can be beneficial for individuals who:

  • Have a monthly income that is too high to qualify for Chapter 7 bankruptcy
  • Want to protect their home from foreclosure
  • Want to preserve assets or property that may be exposed in a Chapter 7 bankruptcy
  • Want to repay tax or other debt through an affordable payment plan

Chapter 13 Debt Limits

Unlike Chapter 7 bankruptcy, in which a person can file for a discharge of unlimited amounts of debt, there are debt limits for individuals with “regular income” under a Chapter 13 plan, which means that it is not the right option for everyone.

Chapter 13 bankruptcy is more complex than Chapter 7 and takes more time because there is an intricate set of rules for how different types of creditors are repaid over the three to five year period. These rules provide debtors with many advantages and can help debtors deal with things like vehicle loans, home mortgages, income tax liens, unprotected assets, and more. Because there are so many advantages to this type of filing, Congress has imposed certain debt limits.

As of April 1, 2016, debt limits for Chapter 13 bankruptcy have increased to reflect changes in cost of living. The current debt limit for Chapter 13 filing is $394,725 for unsecured debts and $1,184,200 for secured debts.

Every individual’s situation is different, so please contact Wadhwani & Shanfeld for an assessment of your unique financial situation.

Is Chapter 13 Bankruptcy the Right Choice?

Our Southern California bankruptcy lawyers can help you assess your situation and determine if this is the right step for you to take. We are committed to giving each client an individualized response and to making sure that we properly accommodate their concerns and priorities.

Call for Your Free Case Review with Our Southern California Bankruptcy Lawyers

Don't wait any longer to receive the counsel and representation you need. Call Wadhwani & Shanfeld today to discuss details about filing for Chapter 13 bankruptcy.

Schedule a free case review to learn more.

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