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Chapter 13 Bankruptcy Attorneys in Orange County

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A Chapter 13 bankruptcy is very beneficial to the debtor in those situations where an asset or assets need to be protected, such as when a house is in foreclosure or a car is out for repossession.

The Chapter 13 bankruptcy will immediately stop the foreclosure or repossession and all the past due amounts may be put into the Chapter 13 plan and be paid over a 3 to 5 year period.

Also, if you make too much income, you may not qualify for a Chapter 7. In this situation the court will require that you pay back a portion or all of your debt.

How Does Chapter 13 Work?

In a Chapter 13 bankruptcy, a payment plan is approved by the court. The debtor will make monthly payments to a court appointed trustee. The debtor will be required to pay back some or all of your debts over a three to a five year period. The amount of the payment is based on the amount of your income and expenses, and in some cases is as low as $100 per month regardless of the amount of debt that you have. For secured loans like home mortgage or vehicle loans, you have the option to pay these on your own, or you can put the loans into the plan and restructure the payments. Chapter 13 can also stop repossessions or foreclosures by allowing you three to five years to catch up the back payments through the trustee. You also have the option to surrender the property to be relieved of the debt.

Don't hesitate to reach out to our competent legal team; we'll get you the help you need. To schedule a free consultation with our Chapter 13 bankruptcy attorneys in Orange County, call us today at (949) 245-6288.

The Chapter 13 Process

Once the Chapter 13 bankruptcy is filed, the United States Bankruptcy Law prohibits all collection attempts by your creditors including telephone calls. Approximately thirty days after the Chapter 13 is filed with the court, you will be required to make one appearance in front of the court appointed trustee and the judge. The court and the trustee need to make sure that you know and understand what payments will be required by you and to make sure you have enough income to make those payments. Once you have completed all the payments, the court will enter a discharge order which will relieve you of liability on all the debts in the plan.

How Much Does It Cost?

The court cost to file a Chapter 13 case is $274. This must be paid by before the case is filed. The attorney fees for a Chapter 13 case will depend on the nature and complexity of the case. The fees must be approved by the court. Typically, a portion of the fee is paid before the filing of the Chapter 13 bankruptcy, and the balance of the attorney fee is paid through the Chapter 13 plan. During your free consultation we will be able to quote you an exact fee.

It is important to remember when choosing a bankruptcy attorney in Irvine, that not all attorneys have the requisite knowledge and experience in handling these cases. The Law Offices of Joseph M. Tosti has been committed to representing those consumers and businesses that have been suffering from severe financial hardship for over a quarter of a century.

If you’re looking for an assertive Orange County Chapter 13 bankruptcy attorney, call our offices today at (949) 245-6288 or fill out our online contact form!

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How We Have Served Our Clients
  • “I couldn't be happier with my choice for legal representation.”

    Jason B.

  • “Mr. Tosti takes care of business, & gets the job done. He doesn't settle until he knows his client has been compensated very well.”

    Ericka P.

  • “Mr Tosti is the best! He is very kind and highly respected.”

    David W.

  • “He's extremely knowledgeable and knows exactly what he's doing. ”

    Nicole L.

  • “He personally called me back to give me the info I needed. I would recommend him to ANYONE! ”

    Candace S.

  • “I think Tosti is a competent attorney who will do what he can to optimize your case and ensure you the proper treatment for your injuries.”

    Alicia H.