Chapter 13

San Joaquin Valley Lawyer for Chapter 13 Bankruptcy

It is possible to file for bankruptcy and to keep your home, despite what the rumors may indicate. By filing for Chapter 13, individuals and families are able to effectively work through debt issues while retaining their house and other possessions.

E-mail us or call us at 209-955-1999 to schedule a free consultation with an experienced bankruptcy lawyer.

At the Law Offices of Gregory R. Davenport, California residents find the resources they need to resolve the problems they face. From bankruptcy to brain injury, our legal team is qualified and capable to handle the legal matters of concern. Providing personal attention with premium representation, we help you regain control of your life.

Lose Your Debt and Save Your Home

If you own a home, it is likely you are concerned about losing it due to your other unpaid debt. By not making payments, you face the threat of foreclosure. By going further into debt, you face the financial ruin. As a law firm, we recommend bankruptcy as one of the most effective methods to solve significant debt problems.

It is not correct when people say you will lose your home when you file for bankruptcy. Chapter 13, also known as the wage earner's plan, protects homeowners from losing one of their most expensive and important assets: the house as long as they keep their payment current. It also stops any collections actions from continuing, such as repossession, foreclosure and garnishment.

A Fresh Start is Within Reach

Unlike Chapter 7 which discharges debt, Chapter 13 reorganizes debt into a workable payment plan. The plan allows you to pay a portion of you debts, makes it possible to keep your house and car, eliminate much of your unsecured debt. Usually within three or five years of filing your Chapter 13, depending on circumstances, your remaining debts are discharged.

At our firm, we help you determine whether bankruptcy is right for you and which chapter would be most beneficial. By analyzing your financial records, bills and housing documents, we will guide you through either chapter 7 or Chapter 13

To discuss your bankruptcy case with a dedicated attorney, e-mail us or call us at 209-955-1999.