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Chapter 13 Lawyer in Palmdale

About Chapter 13

For those who do not qualify for or do not wish to file for Chapter 7 bankruptcy, Chapter 13 affords strong protections once the petition is filed with the court. Chapter 13 is sometimes called the wage earners bankruptcy as it requires the filer to have some predictable income. The filer will make a monthly payment to the bankruptcy trustee on the unsecured debt for 3 to 5 years. The amount of your payment will be determined by the amount of disposable income you have (income remaining after deducting expenses). The expenses used to calculate your disposable income include house payment, utilities, car payment and other basic costs. Most of your disposable income will be used to make payments to the bankruptcy trustee. Any balances remaining unpaid after the 3 to 5 year payment plan is completed will be discharged. A Palmdale bankruptcy attorney at the firm can answer your questions and help you to avoid costly errors.

Palmdale Chapter 13 Bankruptcy Attorney Serving Lancaster and the Antelope Valley

As part of the Chapter 13 bankruptcy you will submit your financial information to the court and the trustee including a budget. Putting this information together may take some time as you will want to be sure everything is included. Working with an experienced Chapter 13 bankruptcy lawyer at the firm will smooth the process and help you to gain the fresh start you are looking for. Payments will begin approximately 30 days after your bankruptcy petition is filed. For your convenience the payments may be paid by automatic draft.

Not all debts are dischargeable through bankruptcy such as child support, spousal support, some court judgments, and taxes. In filing a petition for bankruptcy all collection actions must stop and interest and penalties cannot be added which can give you some relief while you make payments on the principle. Payments on arrearages on mortgage payments may also be worked into your payment plan. For answers to questions concerning your specific situation call Price Law Group for a free initial consultation with a bankruptcy lawyer who is interested in assisting you to regain control of your financial situation.

To find out if Chapter 13 bankruptcy is right for you, contact a Palmdale Chapter 13 bankruptcy attorney.

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