The Law Office provides personal service to clients who need debt relief using Chapter 13 and with professional legal representation for Chapter 13 bankruptcy at reasonable rates.  Filing for Bankruptcy is a major and important decision that will affect you financially.  Attorney Casey provides you with the time necessary to ensure that the bankruptcy process is done properly.  Attorney Casey's philosophy is to treat every client with respect as we would expect to be treated if there was a change of events that affected our lives.  The purpose of bankruptcy is to seek relief from your financial hardship, stop foreclosures,  and put a stop to unreasonable harassing creditors pursuant to the bankruptcy laws. For many, Chapter 13 Bankruptcy is a legal procedure to get you back on track.  Many times on unsecured debt you may only have to pay a small amount instead of the entire debt. Wage Earner 13 plan. Debtor Relief, Chapter 13  Bankruptcy. El Cajon

For Chapter 7 Bankruptcy fees please call my office.  All Attorney fees have to be approved by the bankruptcy court as reasonable.

In most Chapter 13 Bankruptcies you only have to pay the filing fees upfront and a small pre-bankruptcy fee.  Attorney fees are set at the court presumed rate unless otherwise indicated.  This is the amount the court has determined as reasonable. The attorney fees are paid out of the Chapter 13 plan.  We are here to make this as easy as possible.

California - Chapter 13 Bankruptcy Information

Many 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. Looking For El Cajon Bankruptcy Attorney?  619 447-6780. Free Chapter 13 Bankruptcy consultation. We are a debt relief agency under bankruptcy code and Debtor Bankruptcy Attorney.  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.

Chapter 13 bankruptcy is generally used mainly by debtors who have delinquent debts and  have secured assets and want to keep them. This can be a home, car, equipment where the debtor has  more equity in the secured assets than is allowed under bankruptcy exemptions.  Chapter 13 bankruptcy is a chance to reorganization your debt whereas a Chapter 7 bankruptcy is a liquidation of all but exempt assets.

Under a Chapter 13 bankruptcy you are allowed to make up overdue payments over time and to reinstate the original agreement. You can keep valuable nonexempt property under a Chapter 13 plan.  In many cases, Chapter 13 can be a better option than a seven. However, if you want to eliminate your heavy debt burden and don't want to make payments for 3-5 years, then Chapter 7 is the way to go if you meet the means test.   

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We are a debt relief agency. We help people file for relief under the Bankruptcy Code.