Rancho Cucamonga Chapter 13 Lawyer

Rodrigo Law Firm

Rodrigo Law Firm in Rancho Cucamonga is a full service law firm practicing in the areas of Bankruptcy, Criminal Law, Family Law, Probate, Trust Administration and Civil Law.

A Chapter 13 Bankruptcy lawyer from Rodrigo Law Firm in Rancho Cucamonga is dedicated to exceeding the needs of our clients through personal attention, aggressive advocacy and quality representation. When you contact a Chapter 13 Lawyer from Rodrigo Law Firm you meet and speak to an experienced legal professional.

You may have full confidence in the ability of a Rancho Cucamonga Chapter 13 lawyer from Rodrigo Law Firm to assist you with your case. All communications with Rodrigo Law Firm are strictly confidential. We know your time is valuable and your matter is important, and we treat each case with the utmost care.

Contact a Chapter 13 Lawyer from Rodrigo Law Firm in Rancho Cucamonga today to set up your FREE initial consultation. Schedule an Appointment Online or Call Us Toll Free: (800) 581-4049.

Bankruptcy

Rodrigo Law Firm in Rancho Cucamonga represents clients in Chapter 7 and Chapter 13 Bankruptcy cases. No two cases are identical. Please contact us today for a free initial consultation to speak to an experienced Bankruptcy lawyer regarding your unique case and circumstances.

What Is Bankruptcy?

Bankruptcy is a legal proceeding in which a qualified person who cannot pay his or her bills can get a fresh financial start. The right to file for bankruptcy is provided by federal law, and all bankruptcy cases are handled in federal court. Filing bankruptcy immediately stops (“Automatic Stay”) all of your creditors from seeking to collect debts from you, at least until your debts are sorted out, according to the law.

A decision to file for bankruptcy should be only made after consulting with an experienced bankruptcy attorney to determine the best way to deal with your financial problems.

There have been many news reports suggesting that changes to the bankruptcy law passed by Congress in 2005 prevent many individuals from filing bankruptcy. It is true that these changes have made the process more complicated, but it may not be true that you cannot file bankruptcy. Let the experienced Chapter 13 attorneys at Rodrigo Law Firm in Rancho Cucamonga help you navigate through the new laws and help you get a fresh start at life.

What Can Bankruptcy Do?

Bankruptcy may make it possible to:

• Eliminate the legal obligation to pay most or all of your debts.  This is called a “discharge” of debts. It is designed to give you a fresh financial start.
• Stop foreclosure on your house or mobile home and allow you an opportunity to catch up on missed payments. (Bankruptcy does not, however, automatically eliminate mortgages and other liens on your property without payment.)
• Prevent repossession of a car or other property, or force the creditor to return property even after it has been repossessed.
• Stop wage garnishment, debt collection harassment, and similar creditor actions to collect a debt.
• Restore or prevent termination of utility service.
• Allow you to challenge the claims of creditors who have committed fraud or who are otherwise trying to collect more than you really owe.

Bankruptcy Cannot

Bankruptcy cannot cure every financial problem. In bankruptcy, it is usually not possible to:

• Eliminate certain rights of “secured” creditors. A creditor is “secured” if it has taken a mortgage or other lien on property as collateral for a loan.  Common examples are car loans and home mortgages. You can force secured creditors to take payments over time in the bankruptcy process and bankruptcy can eliminate your obligation to pay any additional money on the debt if you decide to give back the property. But you generally can not keep secured property unless you continue to pay the debt. However, under certain circumstances, you maybe allowed to eliminate or strip the second and third mortgages from residential properties.
• Discharge types of debts singled out by the bankruptcy law for special treatment, such as child support, alimony, most student loans, court restitution orders, criminal fines, and most taxes.
• Protect cosigners on your debts. When a relative or friend has co-signed a loan, and the consumer discharges the loan in bankruptcy, the cosigner may still have to repay all or part of the loan.
• Discharge debts that arise after bankruptcy has been filed.

Chapter 13 (Reorganization)

In a chapter 13 case, the debtor files a proposed plan showing how his or she intends to pay off some portion of his or her past-due and current debts over three to five years. The most important thing about a chapter 13 case is that it will allow you to keep property—especially your home and car—which might otherwise be lost, if you can make the payments required to be made to your creditors under the bankruptcy law. In most cases, these payments will be at least as much as your regular monthly payments on your mortgage or car loan, with some extra payment to get caught up on the amount you have fallen behind.

Chapter 13 is appropriate for debtors who: 

• Own a home and are in danger of losing it because of money problems; 

• Are behind on debt payments, but can catch up if given some time; 

• Have valuable property that is not exempt, but can afford to pay creditors from income over a period of three to five years.

• Want to eliminate second and third mortgages.

Contact a Chapter 13 Lawyer from Rodrigo Law Firm in Rancho Cucamonga today to set up your FREE initial consultation. Schedule an Appointment Online or Call Us Toll Free: (800) 581-4049.

Above information is provided for information purposes ONLY and not intended as legal advice. No two cases are identical. Please contact us today for a free consultation to speak to an experienced Bankruptcy attorney regarding your unique case and circumstances.