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What Chapter 13 Can Do For You? Chapter 13 Debt Relief Information
David Casey - Attorney 365 Broadway, Suite 203 El Cajon, California (619) 447-6780 We are a debt relief agency. We help people file for relief under the Bankruptcy Code.
In the last couples of years, bankruptcy filings have increased about 40%. The primary reason for filing personal bankruptcy is an unforeseen financial down turn, loss of savings and unable to borrow funds at a reasonable rate. Many have over time had medical expenses, excessive credit card debt, loss of employment, death of a family member and divorce.
Chapter 13 my save your car from repossessions and your home from being foreclosed on do to late payments. Chapter 13 Bankruptcy InformationMany times you will hear Chapter 13 as a repayment plan or a wage earner plan. Under a Chapter 13 bankruptcy, the debtor proposes a 3-5 year repayment plan to the creditors offering to pay off all or part of the debts from the debtor's future income. After reviewing all the facts, I can direct you what is right for you. Chapter 13 can be used to prevent a house foreclosure, make up missed or late trust or mortgage payments, stop or lower interest from accruing on your tax debt, and pay back taxes, (local, California state taxes, or the IRS federal). You can also keep non-exempt property which you would have been required to liquidate under a Chapter 7 but don't have to under Chapter 13. If you finish the plan and make the payments under the terms of your repayment agreement, all your remaining dischargeable debt will be released at the end of the plan (typically three to five years). How much will you have to pay under Chapter 13? The amount to be repaid is determined by different legal factors including the debtor's disposable income. Also, the minimum total amount paid to creditors under the Chapter 13 plan must be at least the amount that the debtor would have paid the creditors. Under a Chapter 13 bankruptcy protection you must have a "regular source of income" and this regular source of income must include some disposable income to make payments under the Chapter 13 payment plan. |
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Over the past few years, bankruptcy filings in the United States have increased nearly thirty percent. Unfortunately, with the events of the down turn in the economy, there are more filings for relief every day. Despite changes to bankruptcy laws, bankruptcy still remains a useful tool for preserving assets while eliminating bad debts. Our Bankruptcy clients understand that just like trusts or other estate planning tools, bankruptcy is a legal right that is available to help you you. Bankruptcy may be the most powerful way to protect your family’s financial health and to STOP CREDITORS harassing you and your family. Too many lives and especially marriages are hurt due to unresolved financial matters. The Law Office of David A. Casey wants to help you and your family eliminate overwhelming financial stress and enable you to get the fresh start you need in order to flourish and to enjoy life again. Depending on your situation, a Chapter 7 or Chapter 13 bankruptcy filing may bring the relief you have been seeking. Let the Bankruptcy laws work for you!
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Stop Creditor's
calls immediately through Bankruptcy!
| Looking for a Bankruptcy Lawyer without having to go to San Diego? My office is located next to two major freeways in El Cajon. I'm only minutes away from: El Cajon California La Mesa, Lemon Grove, Lakeside, Alpine, Rancho San Diego, Santee, Spring Valley, Chula Vista. My office also has an on-site pubic notary when needed. |
| Cities : El
Cajon
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El Cajon Bankruptcy Attorney. Find the best Methods of Debt Relief for
You. Chapter 13 bankruptcy, Chapter 7. Debt relief agency under the
bankruptcy code, El Cajon, CA My law off is in El Cajon, CA We are a debt relief agency. We help people file for relief under the Bankruptcy Code. For debt relief El Cajon, Rancho San Diego, El Cajon, La Mesa, Alpine, CA, La Mesa, Lemon Grove, Ramona, Call Attorney Casey at 619 447-6780 |
