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Get the time you need to catch up on your debts with Chapter 13 in Mira Loma CA
Have you fallen behind on your mortgage payment, your car payment, your credit card bills, or other debts? Do you feel like you could catch up, if only you had a little more time to pay? Filing for Chapter 13 in Mira Loma CA will give you this time and also allow you to discharge some of your unsecured debts.
How Chapter 13 Works
With Chapter 13 in Mira Loma CA, people with regular income basically get to press pause on their debts while they work to repay them. Once you file for Chapter 13, you will enter the bankruptcy court’s supervised repayment program on a plan lasting 3 or 5 years depending on your income. The plan will consolidate your priority debts so you only have to make a single monthly payment. At the end of the 3 or 5 years, you should be caught up on your mortgage, car payment, and other secured debts. Plus, you will get a discharge of your unsecured debts like credit cards and medical bills.
Chapter 13 in Mira Loma CA Will Stop:
- Interest charges
- Late fees
- Creditor harassment
- Wage garnishment
- Foreclosure
- Repossessions
Now You May Wonder…
…What About My Property and Assets?
When you file for Chapter 13 in Mira Loma, there is no obligation to liquidate your assets. You will not only be able to keep your home, your car, and your personal possessions, but also many “luxuries” like vacation homes, investment properties, RVs, etc.
…Can I Afford to File for Chapter 13 in Mira Loma CA?
Yes. The payments for your court-approved repayment plan will be based on your disposable income. Calculating your disposable income can be a bit tricky, which is why you will definitely want a bankruptcy attorney on your side to help ensure your plan is set up to your best advantage.
You can afford to hire us as your bankruptcy attorney because we keep our fees low and we offer payment plans.
Call Now for a Free Bankruptcy Evaluation
For more information about how filing for Chapter 13 in Mira Loma CA will affect your financial future, please contact us at 951-755-1000 and request your free bankruptcy evaluation. California Bankruptcy Relief has a 100% success rate in bankruptcy filings and we are confident we can find the best way to help you find relief from your debts.
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