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Roseville Phone: 916-510-8060

Roseville Chapter 13 Bankruptcy Lawyers

Roseville, California, Chapter 13 Bankruptcy Lawyers

Mounting house payments, car payments, and other debts can become unmanageable in a hurry, and in some cases, lead to financial ruin. Chapter 13 bankruptcy offers individuals who are struggling with debt a chance to manage and catch up with loan payments.

At Bankruptcy Law Group, PC, we have extensive experience handling Chapter 13 bankruptcies for individuals throughout the Roseville, California, area. We have the skill and experience to make your debt relief goals come to fruition.

Contact us today online or by phone 916-510-8060 to take your first step to total debt relief. We represent clients from Roseville, Rocklin, Lincoln and throughout the surrounding areas.

Chapter 13: Making Your Debt Manageable

At Bankruptcy Law Group, PC, we help individuals from Roseville, California, and throughout the surrounding areas with a wide range of bankruptcy and debt relief matters.

Many individuals who are struggling with debt only need to restructure their loans in order to catch up. Chapter 13 bankruptcy gives you a chance to do just that. If you are struggling to keep up with home loans, car loans and other types of debt, but are earning a steady paycheck, Chapter 13 bankruptcy may be the best option for you.

Chapter 13 stops interest and finance charges and gives filers a 36- to 60-month period in which to pay down their debt. In many cases, debt is reduced. Like Chapter 7 bankruptcy, Chapter 13 stops creditors from harassing you, threatening to garnish your wagesforeclose on your home, or take any action against you.

Second Mortgage and Vehicle Loan "Cram Downs"

In some situations, Chapter 13 bankruptcy can reduce your car and home loan principals significantly. If your home is currently valued at less than the outstanding balance on your first mortgage, it is possible to eliminate your second mortgage altogether. Likewise, if your vehicle's value has fallen below the outstanding loan balance, you may be able to eliminate the difference. This action, called a "cram down," can also be used for other financed purchases such as tools or work equipment. Our debt relief lawyers can answer any questions you may have about making Chapter 13 bankruptcy work for you.

Schedule Your Free Consultation

If you are overwhelmed by debt, we are here to help. Contact us today online or by phone 916-510-8060 to schedule a free debt relief consultation with an experienced Roseville, California, Chapter 13 bankruptcy attorney. We hold regular office hours and are available evenings and weekends by appointment.