Chapter 13 Bankruptcy

Legal Advice About Chapter 13 Bankruptcy

Kodam & Associates, P.C.
Murrieta and California
Toll-Free: (866) 781-9042 | Office Phone: (951) 795-4679
Send an E-Mail

Are you behind on your mortgage payments? Is the bank refusing to make a deal with you so you can keep your family's home?

Chapter 13 bankruptcy is a form of federal debt relief that may allow you to save your home — even if you are behind on your mortgage payments.

Chapter 13 Is a Debt Repayment Plan

Under Chapter 13 bankruptcy, you give the court a complete picture of your financial assets and debts. The court then calculates a plan under which you repay your debts according to an up to five-year schedule. Your creditors — including your mortgage company — must accept the court's repayment plan if it meets within federal guidelines. In other words, you will no longer have lawsuits or collection calls hounding you — as long as you stick to the repayment plan, you do not have to worry about foreclosure or repossession. However, a Chapter 13 generally does not alter the actual monthly payment amount owed on any secured debts.

A Professional Law Firm Handling Chapter 13 Bankruptcy Filings

At Kodam & Associates, P.C., with offices in Murrieta and California, we are experienced and knowledgeable bankruptcy attorneys. Bankruptcy is not the right solution for every individual, and at our first meeting we will learn your circumstances and give you our professional opinion about whether bankruptcy is your best option for debt relief.

If you decide to file Chapter 13 bankruptcy, we will navigate the process on your behalf and make sure that you are getting every protection of the bankruptcy laws. Furthermore, you can rest assured that a licensed attorney — not a paralegal — will handle your bankruptcy filing from beginning to end.

Contact Kodam & Associates, P.C.
Free Consultations ∙ Flexible Scheduling

If you have general questions about bankruptcy, we encourage you to visit our Bankruptcy Information Center.

If you have questions specific to your own circumstances, or if you know you are ready to begin bankruptcy proceedings, then we invite you to contact our offices for a free and confidential consultation.

To schedule an appointment— either in person or by telephone — with an experienced bankruptcy lawyer, contact the law office of Kodam & Associates today.

Toll-Free: (866) 781-9042 | Office Phone: (951) 795-4679 | Send an E-Mail

Note: Although our law firm accepts credit cards for most legal services, we regret that we are unable to accept credit cards as payment for legal services relating to bankruptcy proceedings.