Top Los Angeles, CA Chapter 13 Bankruptcy Lawyers Near You
16444 Paramount Blvd, Suite 205, Paramount, CA 90723-5454
300 South Grand Avenue, Suite 4100, Los Angeles, CA 90071-3151
1901 Avenue of the Stars, Suite 900, Los Angeles, CA 90067
2049 Century Park E, Suite 300, Los Angeles, CA 90067
725 South Figueroa Street, Suite 3600, Los Angeles, CA 90017
18000 Studebaker Rd, Suite 325, Cerritos, CA 90703
361 N Martel Ave, Los Angeles, CA 90036
865 South Figueroa Street, 10th Floor, Los Angeles, CA 90017
601 South Figueroa Street, Suite 4100, Los Angeles, CA 90017
17701 Cowan, Suite 210, Bldg. D, Irvine, CA 92614
350 South Grand Avenue, Suite 2400, Los Angeles, CA 90071
355 S Grand Ave, Suite 900, Los Angeles, CA 90071
953 E 3rd St, Suite 100, Los Angeles, CA 90013
201 Santa Monica Blvd, Suite 300, Santa Monica, CA 90401 2212
10999 Riverside Dr., #201, Studio City, CA 91602
2029 Century Park East, 33rd Floor, Los Angeles, CA 90067
10880 Wilshire Blvd., 19th Floor, Los Angeles, CA 90024
2049 Century Park East, Suite 2600, Los Angeles, CA 90067
515 Flower St, Suite 4300, Los Angeles, CA 90071
400 South Hope Street, Los Angeles, CA 90071
1801 Century Park East, Suite 1600, Los Angeles, CA 90067
PO Box 12902, Newport Beach, CA 92658
3835 Hayvenhurst Ave., Encino, CA 91436
6185 Magnolia Avenue, Suite 204, Riverside, CA 92506
801 North Brand Boulevard, Suite 950, Glendale, CA 91203
Los Angeles Chapter 13 Bankruptcy Information
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What Is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy reorganizes your debts with a repayment plan to help you get a new start. Chapter 13 is known as a “wage earner’s bankruptcy,” where you use your income and assets to make payments over three to five years under the payment plan. Chapter 13 filing puts a stop to collection actions, including foreclosure. After making the necessary payments, your dischargeable debts are cleared.
What Are Some Examples of Situations Where I Might Need a Chapter 13 Bankruptcy Lawyer?
Many people struggle to decide between filing a Chapter 13 or Chapter 7 bankruptcy filing. A Chapter 13 filing may be more beneficial for you if you:
- Are employed and earning money
- Own a home but are behind on mortgage payments
- Earn too much income to qualify for a Chapter 7 filing
- Want to hold onto more of your most valuable assets, like a business
How Can a Lawyer Help Me With Bankruptcy?
An experienced bankruptcy lawyer can give you the knowledge and backing you need to navigate the legal system and find the best possible results for you. Because laws regarding bankruptcy exemptions and the property you can keep vary from state to state, speaking with a lawyer near you with knowledge of Illinois’s laws is critical in understanding your situation and making the best decisions. A bankruptcy lawyer can help with:
- Legal advice and counsel
- Negotiating with creditors
- Filing legal motions and taking care of administrative duties
- Improving your chances of keeping your assets and getting everything settled favorably
What Could Happen if I Don’t Hire a Bankruptcy Lawyer?
Not hiring a bankruptcy lawyer can lead to costly errors and prolonged financial stress. If you don’t hire a bankruptcy lawyer, you might make mistakes in the bankruptcy process. These mistakes could lead to your case being dismissed. Without a lawyer’s guidance, you could miss out on important protections, such as stopping creditor harassment or preventing foreclosure. You might also choose the wrong type of bankruptcy, resulting in more financial trouble. Handling bankruptcy alone increases the risk of losing assets you could have kept and wanted to keep. Additionally, you may struggle to negotiate with creditors without a lawyer. This makes it harder to achieve a manageable debt repayment plan or discharge.
What Questions Should I Ask When Trying To Find a Bankruptcy Lawyer in Chicago?
These questions can help you decide if you feel confident that a lawyer has the qualifications, experience, and ability to manage your case well. Many lawyers offer free consultations that allow you to understand your options and get specific legal advice before hiring them. Top questions include:
- What is your experience in handling bankruptcy cases? Have you managed cases like mine? What was the outcome of these cases?
- Do you have experience resolving issues like this in Illinois?
- What is your approach to handling bankruptcy cases?
- What is your record in negotiating favorable debt repayment plans?
- How do you communicate with clients about the progress of their cases?
- How much input will I have about the case strategy?
- What are your fees and billing structure?
Tips for Hiring a Bankruptcy Lawyer
Finding a lawyer who is right for you and will represent your best interests is an important first step in protecting your rights. Find a lawyer who understands your case, knows your needs and goals, and has the experience to get the best outcome. Things to do:
- Ask for recommendations
- Research lawyers online
- Schedule consultations
- Review experience and expertise
- Talk about billing and fees
- Trust your instincts