Oakland Chapter 13 Bankruptcy Attorney
Call The Bankruptcy Law Firm for a FREE Consultation – (510) 270-2782
If you are serious about shedding your debt and regaining control of your finances, then do not wait another moment to speak with our Oakland bankruptcy lawyers. At The Bankruptcy Law Firm, we have helped lead and guide countless consumer debtors through the process of Chapter 13 bankruptcy. We have the skill, experience, and knowledge to do the same for you.
Few things can make a person feel more alone and isolated than having to struggle with the burden of mounting debt. We understand that taking a leap out into the unknown can feel incredibly overwhelming, but know that you are not alone in this process. Millions of Americans just like you have found permanent debt relief by filing for Chapter 13 bankruptcy protection!
You deserve to live a life FREE from paralyzing debt. Take action with us today.
Contact our Oakland Chapter 13 bankruptcy firm
at (510) 270-2782 for a free consultation.
We Have Been Named Among America's Top 50 Consumer Bankruptcy Attorneys
Your choice in legal representation at this time could make a significant difference in the final outcome of your case. You will want to make certain that your attorney possesses the credentials and qualifications needed to properly discharge your debts once and for all.
Just some of our accomplishments include:
- Named in America's Top 50 Consumer Bankruptcy Attorneys
- Named in Top 100 Firms by the Debt Education and Certification Foundation (DECAF)
- Attorney Kostopoulos holds a real estate broker's license
- Attorney Kostopoulos is a Certified Consumer Bankruptcy Specialist by the American Board of Certification
- President of the Hellenic Bar Association
- Member of the State Bar of California
At such a paramount moment in your life, you deserve – and should demand – world-class legal advocacy. The Bankruptcy Law Firm has been recognized, acknowledged, and awarded for demonstrating our professional abilities, ethical practices, and legal accomplishments.
About Chapter 13 and Why it May Be the Right Choice for You
A Chapter 13 bankruptcy is also known as the "wage earner's plan" because it enables individuals with a regular income to develop a realistic plan to repay all or a portion of their debts. Under Chapter 13, the debtor proposes a repayment plan to make installments to creditors over three to five years.
If the debtor's income is less than the state median, his or her plan will be for three years unless the court approves a longer period. If the debtor's current monthly income is higher than the state median, the repayment plan will typically be for five years. In no case may a Chapter 13 plan provide for payments over a period longer than five years.
Advantages to Chapter 13 include:
- Individuals looking to maintain their home can avoid or prevent foreclosure.
- Individuals can absolve any overdue mortgage payments while staying current with their obligations included in their repayment plan.
- Individuals can restructure the repayment of their debts to a new schedule, which may help lower payments over time.
- Chapter 13 can help protect third parties who share liability (such as co-signers).
- During the repayment plan, the law forbids creditors from starting or continuing any type of collection efforts, which can be reassuring for debtors who have been harassed by creditors for any length of time.
Review Your Claim with a Certified Expert – Call Us Today
Is bankruptcy right for you? We are ready to help you determine which bankruptcy option or debt-relief alternative best suits your current needs and future goals. We have the knowledge, tools and experience to evaluate your situation and help you come up with a plan that can help resolve your debt-related problems for good. With our help, you can be on the road to financial recovery!
We can provide the professional guidance you're searching for - (510) 270-2782.
Call now to speak with us confidentially or fill out a case evaluation
form to get started.
The Bankruptcy Law Firm proudly represents individuals and families throughout the San Francisco Bay Area, including Oakland and Alameda County.