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Bankruptcy Attorneys Serving Southern California

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is a reorganization of your debt, structured as a payment plan. There are many different reasons why a Chapter 13 bankruptcy might be your best bet.


Raj: Chapter 13 is a reorganization, and there are many different reasons for Chapter 13. I'd say the most common is somebody who is facing a foreclosure and they don't have enough money to bring their mortgage loan current.

The Chapter 13 gives them the ability to reorganize their arrears and pay back the arrears over a period of time.

Greg: When people come to us and they're behind on their mortgage or they have debt that would otherwise not be dischargeable in Chapter 7, Chapter 13 might be a great option.

And also sometimes we use Chapter 13 to strip off second mortgages, or if somebody has too much income or too many assets.