Top Los Angeles, CA Chapter 13 Bankruptcy Lawyers Near You
444 South Flower Street, Suite 1700, Los Angeles, CA 90071
333 S Grand Ave, Los Angeles, CA 90067
301 E. Ocean Blvd., Suite 1720, Long Beach, CA 90802
2210 Sunset Blvd, #301, Los Angeles, CA 90026
355 South Grand Avenue, Suite 100, Los Angeles, CA 90071
2049 Century Park E, Suite 1700, Los Angeles, CA 90067
2049 Century Park E, #2525, Los Angeles, CA 90067
633 West Fifth Street, 52nd Floor, Los Angeles, CA 90071
4 Park Plaza, Suite 1000, Irvine, CA 92614
633 W 5th St, Suite 5850, Los Angeles, CA 90071
350 S Grand Ave, 27th Floor, Los Angeles, CA 90017-2566
PO Box 12902, Newport Beach, CA 92658
21650 Oxnard St, Suite 1540, Woodland Hills, CA 91367
6080 Center Dr, Suite 600, Los Angeles, CA 90045
11500 W Olympic Blvd, Suite 400, Los Angeles, CA 90064
450 North Brand Blvd, Suite 600, Glendale, CA 91203
953 E 3rd St, Suite 100, Los Angeles, CA 90013
355 S Grand Ave, Suite 900, Los Angeles, CA 90071
801 North Brand Boulevard, Suite 950, Glendale, CA 91203
145 S. Fairfax Avenue, Suite 200, Los Angeles, CA 90036
100 Wilshire Blvd, Suite 1300, Santa Monica, CA 90401
2121 Avenue of the Stars, Suite 800, Los Angeles, CA 90067
206 North Jackson Street, Suite 201, Glendale, CA 91206
17777 Center Court Drive N., Suite 613, Cerritos, CA 90703
1504 Brookhollow Drive, Suite 112, Santa Ana, CA 92705
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