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Chavez Law Group

Founded by the Son of César Chávez

1-855-4CHÁVEZ·1-855-424-2839

Chapter 13

Representing Clients Nationwide

If you’re having trouble with mounting bills, but you are confident that you could catch up with debt if given a little help, you may be a good candidate for Chapter 13 bankruptcy. Under this type of financial protection status, individuals are granted an extension period that lets them pay off debt gradually. If this sounds like a good option for you, the experienced bankruptcy attorneys at Chávez Law Group can provide all the details on how to go about filing.

About Chapter 13 Bankruptcy

Chapter 13 helps you get ahead of your debt by essentially allowing you to push the “pause button” on your outstanding debts. After a filing process, you are required to follow a specific debt repayment plan, usually over the span of three to five years. As part of your agreement, you will be asked to attend credit counseling sessions to help prepare you for future financial challenges and educate you on the healthy ways to manage debt. Generally, the repayment schedule is based on your current income and your total outstanding debt. You will make payments to a court trustee, who will then disburse the funds to your creditors.

Chapter 13 is a good option for people with assets as the result of a loan that is still in progress. With the Chapter 13 repayment feature, you may be able to keep assets like your home or car while still paying some portion of the loan. Foreclosure protection is one of the major benefits afforded under Chapter 13, but only if you are able to continue making mortgage payments.

Chapter 13 differs from Chapter 7 in that you must have a stable income that allows for repayment. The filing process requires you to list out all of your debts to be reviewed by a court trustee. Your creditors are presented with the information regarding your repayment terms and can agree or disagree. Assuming your creditors accept the repayment plan, you are bound by law to meet those monthly payment obligations without fail. Please note, however, that your attorney may include language in your agreement that allows for suspension of repayment in the event of illness, job loss, or other serious event that could affect your financial capabilities.

The Role of a Bankruptcy Lawyer

The bankruptcy lawyers at Chávez Law Group can help you with all of the steps involved in filing for Chapter 13 bankruptcy, including completing forms correctly and on time, gathering proof of income, credit card statements, invoices, and other important documents, and making changes to your bankruptcy terms as needed. Once you are granted Chapter 13 bankruptcy status, you may need the help of a lawyer to make changes to your repayment plan.

If you are having a tough time with mounting debts, let a skilled bankruptcy lawyer guide you through the steps of the bankruptcy process and help you get a second chance. To learn more about Chapter 13 bankruptcy and all your options for financial relief, please contact Chávez Law Group today.

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Our Successes

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18-Wheeler Truck Accident, broken leg
$1,500,000
Premises Liability, head injury from faulty stair railing
$750,000
Dump Truck Accident, broken leg
$1,200,000
Civil Rights, lost property from wrong police stops
$800,000
Pedestrian, death
$700,000,000
Environmental, exposure to creosote
$1,000,000
Product Liability, back injury
$900,000
Premises Liability, hand burns
$4,850,000
School Bus Accident
$350,000
Premises Liability, head injury from no safety barrier on wet floor
$381,000,000
Environmental, exposure to arsenic and cadmium
$500,000
Delayed Ambulance, death
$750,000
18-Wheeler Truck Accident, back injury
$750,000
Product Liability, death from defective tire
$3,250,000
Product Liability, burns from fuel tank puncture
$720,300
Product Liability, injuries involving a defective spare tire
$755,000
Product Liability, burns involving a pressure cooker
$1,800,000
Premises Liability, head injury
$57,550,000
Premises Liability, head injury from security guard beating
$9,000,000
Product Liability, paralysis from defective tire
$560,000
Auto Accident, neck injury
$25,000,000
Pedestrian, death
$1,250,000
Defective Product, leg and arm injury from no safety guard
$1,800,000
Auto Accident, death
$987,500
Product Liability, burns involving aerial lift device
$20,817,500
Product Liability, burns involving aerial lift devices
$800,000
Removal of a Safety Device, loss of use of arm
$3,000,000
18-Wheeler Truck Accident, death
$6,000,000
18-Wheeler Truck Accident, traumatic brain injury
$500,000
Premises Liability, shooting case death
$1,800,000
18-Wheeler Truck Accident, leg injury
$700,000
Wage and Hour, lost benefits
$975,000
Premises Liability, traumatic brain injury
$7,000,000
Defective Product, death
$1,000,000
Premises Liability, head injury from no warning signs
$6,500,000
18-Wheeler Truck Accident, death
$1,250,000
Product Liability, death from ineffective/improper design of restraint system
$1,000,000
Auto Accident, death
$6,500,000
Construction Site, head injury from no safety barrier
$4,200,000
Auto, head injury
$1,200,000
18-Wheeler Truck Accident, broken leg
$2,500,000
Agriculture Accident, pelvic injury
$7,000,000
Product Liability, death involving a defective weed trimmer
$2,500,000
Auto Accident, head injury

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CHÁVEZ LAW GROUP
1300 W Beverly Blvd
Montebello, CA 90640

Ph: 1-855-4CHÁVEZ
(1-855-424-2839)

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