Chapter 13 Bankruptcy
California Chapter 13 Bankruptcy Lawyers
Regain Control with a Manageable Repayment Plan
If you’re struggling to keep up with bills, facing foreclosure, or trying to catch up on missed payments, Chapter 13 bankruptcy can provide a path to stability. At JTN Law, we help you reorganize your debt into a court-approved repayment plan—allowing you to protect your property, stop creditor actions, and create a clear plan for moving forward.
What Is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy—often called a “wage earner’s plan”—allows individuals with regular income to restructure their debts into a manageable repayment plan. This plan usually lasts between three and five years and may significantly reduce the total amount you pay back.
With Chapter 13, you can often stop foreclosure, prevent vehicle repossession, and catch up on overdue mortgage, car, and tax payments—while keeping your property.
Benefits of Chapter 13 Bankruptcy
- Stops foreclosure and allows you to catch up on mortgage payments
- Prevents vehicle repossession
- Consolidates debt into one monthly payment
- May reduce what you owe on certain secured debts
- Stops interest from accruing on some tax debts
- Protects co-signers from collection actions in many cases
Who Qualifies for Chapter 13?
- You must have a regular income and meet certain debt limits to file under Chapter 13. This option is ideal for individuals who:
- Are behind on mortgage or car payments but want to keep their property
- Do not qualify for Chapter 7 under the Means Test
- Have significant non-dischargeable debts (like recent taxes or support arrears) that can be paid over time
We’ll carefully review your finances and goals to determine if Chapter 13 is the best solution—or if another approach may be more effective.
Why Choose JTN Law for Chapter 13 Bankruptcy?
- Tailored Repayment Plans – We create plans that are realistic, affordable, and meet court requirements.
- Asset Protection – We help you keep your home, car, and other important property.
- Full Representation – We manage the entire process and stand by you from start to finish.
- Personalized Support – We take the time to answer your questions and provide guidance throughout your repayment period.
Start Your Debt Relief Journey Today
Chapter 13 bankruptcy can be the right solution if you want to protect your assets while catching up on missed payments and eliminating remaining debt. Contact JTN Law today to schedule a confidential consultation and learn how we can help you build a path toward financial stability and peace of mind.