Our law firm offers friendly, thorough and trusted legal services
When Chapter 7 is not a viable option, many people turn to Chapter 13 bankruptcy to resolve their debt crisis. Chapter 13 bankruptcy cases require a significant amount of legal experience and deft negotiation skills to meet the requirements of the Bankruptcy Code. At Hemb Law Group in Fresno, our Chapter 13 bankruptcy lawyers have over 30 years of combined experience representing both debtors and creditors facing these types of bankruptcy actions. Our attorneys are extremely familiar with the bankruptcy court system and know the law inside and out. We are in the best position to provide you with the most effective outcome possible in your bankruptcy case.
What is Chapter 13 bankruptcy?
Chapter 13 bankruptcy may be the right answer if you earn sufficient income but cannot meet your financial obligations. Under Chapter 13, a person struggling with debt is allowed to develop a plan to repay the debt over a fixed period of time, typically three to five years. Unlike a Chapter 7 bankruptcy, Chapter 13 allows individuals to keep their property once the action is complete.
Our attorneys help clients compile the following information required to apply for Chapter 13 bankruptcy:
- Liabilities and assets
- Household income and expenses, including medical, food and housing expenses
- A list of all creditors, the type of debt and the amounts owed
- A financial affairs statement
- Proof of attendance at credit counseling
Once a debtor files a petition under Chapter 13, creditors are prohibited from contacting the debtor or taking legal action to recover the money they are owed. It also guarantees that creditors receive proper notice of a debtor’s bankruptcy action in order to respond accordingly.
Whether you are an individual filing for Chapter 13 bankruptcy or a creditor who is facing such an action, you have significant rights under the bankruptcy laws. At Hemb Law Group, we take the time necessary to advise you of your legal options, dispel any bankruptcy myths you may have heard and offer practical solutions to meet your specific needs, every step of the way.
Your trusted Chapter 13 bankruptcy attorneys
If you are contemplating a Chapter 13 bankruptcy, or if you are a creditor looking to defend against such an action, it is crucial to work with an experienced attorney who has the skills and experience necessary to handle these challenging types of cases. Call us at 559-241-7050 or contact us online to schedule a consultation at our office in Clovis, California. We are available weekdays from 8:00 a.m. to 5:00 p.m.