In light of the current health crisis, we are happy to offer free telephonic consultations. Should you choose to retain our services, we can easily handle the bankruptcy process via telephone and email. We hope that everyone remains safe and healthy during these unprecedented times.
Bankruptcy Attorneys Serving Southern California
Chapter 13

Lancaster Chapter 13 Bankruptcy Attorney

Proven Representation Focused on Your Future

If you are one of the millions of Americans grappling with insurmountable debt and financial fears, you can find the support you need with our bankruptcy lawyers at Wadhwani & Shanfeld. Over the years, our award-winning legal team has helped more than 20,000 clients across the Lancaster, Palmdale, and Southern California, and has handled thousands bankruptcy filings, including those involving Chapter 13 bankruptcy.

Known as the wage earner’s plan, Chapter 13 bankruptcy is often a debt solution for consumers who earn a regular income, and who have enough disposable income to make at least some form of payment toward pre-existing debts. Chapter 13 can be an effective option for consumers who wish to keep possession of certain property, including homes, and, like Chapter 7 bankruptcy, will still conclude with a discharge of remaining debts.

Because the decisions you make now regarding bankruptcy and how you navigate the process can make all the difference in your financial future, it is vital that you have proven assistance during your legal journey. Our attorneys at Wadhwani & Shanfeld are standing by to help you better understand your current situation and available options, as well as how we can leverage decades of combined experience and the expertise of our two Board-Certified Bankruptcy Specialists to help you obtain the financial fresh start you deserve.

Get started today by requesting a FREE consultation. Call 661-214-3950.

Is Chapter 13 Right for You?

The hallmark of Chapter 13 bankruptcy filings are the repayment plans. These plans allow consumers to make installments to creditors over three to five years. If you have regular income and the means to continue making payments toward debt, Chapter 13 may be an option. When it is, it is important to consider your goals and how filing under Chapter 13 may benefit you. For example, it may enable you to save your home from foreclosure, extend secured debts of the life of a plan (which can lower payments), and clear up obligations by consolidating debts into payments made to a trustee who then distributed payments to your creditors.

  • Payment Plans - Before beginning the Chapter 13 process, you must attend credit counseling and debtor education from an approved agency. You must also understand the terms of your plan. This means understanding that priority debts, such as child support or tax obligations, must be paid in full. Regular payments will also be made toward secured debts, such as auto loans or mortgages. If there is disposable income left, it will go toward unsecured debts, including credit card debt. Unsecured debts do not have to be paid in full, or at all in some cases, during the life of your plan.
  • Discharge – Debts remaining at the end of your payment plan will be eligible for discharge. This means you will no longer be required to make payments toward these debts, and will have the financial fresh start to begin rebuilding your credit and financial health. The length of your Chapter 13 repayment plan will depend on your unique financial circumstances. Consumers with an average monthly income over the median income in California will have to make a five-year plan, while those with lower income may choose a three-year plan.

Request a FREE Consultation with a Bankruptcy Lawyer in Lancaster

At Wadhwani & Shanfeld, our legal team does not use a one-size-fits-all approach to handling cases. We know that every financial situation is different, which is why we work closely with clients and personally explore all of their available options. Our attorneys then work to help our clients understand whether they qualify for Chapter 7 or Chapter 13 bankruptcy, how they may benefit, and what we can do to make the process run as efficiently and effectively as possible.

To discuss your case with a member of our team, contact us today.

Client Testimonials

We've Helped Over 20,000 Satisfied Clients
  • “Very professional, helpful. Would recommend to anyone.”

    - Jose Portillo
  • “5 stars very very helpful. walked me through filing .”

    - Joan Bevis
  • “Very professional, easy process and always available to answer questions, Thank you”

    - Ikram Kacem Nsiri
  • “Wadhwani & Shanfeld was very professional and always answered my questions. We are so grateful for them.”

    - Christopher & Jillian West
  • “I very much liked Raj and his staff and I would give them 100 stars if possible. I was kept informed and very happy with the end results. Thanks again...Steve”

    - Stephen Grossman

Why Choose Wadhwani & Shanfeld?

The Right Attorney Can Make A Difference
  • Invaluable Bankruptcy Insight

    Attorneys Raj Wadhwani and Greg Shanfeld are Board-Certified Bankruptcy Specialists who leverage their insight on behalf of clients. 

  • Hands-On Guidance

    Our legal team does all of the work for you, including filing paperwork, keeping track of deadlines, and providing protection from creditors.

  • Experience Where it Counts

    Our attorneys have over 65 years of collective experience helping clients in a broad range of bankruptcy and debt settlement cases.

  • A Prolific Record of Success

    Our firm has successfully helped more than 20,000 people put the pieces of their lives back together after a bankruptcy.

Begin Putting the Pieces Back Together

If you're struggling with debt, the most important thing you can do is hire the right attorney. At Wadhwani & Shanfeld, we have successfully filed over 12,000 bankruptcy cases and helped over 20,000 people get back on their feet.