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Debt combined with the unrelenting harassment from creditors can be an all-consuming feeling that completely hinders your way of life. Should this apply to your life right now, but you don’t quite meet the requirements to file for Chapter 7 bankruptcy in Fontana, Chapter 13 might be the next best option for you. With Chapter 13 filings, a “soft landing” is offered to those who experience ever-growing pressure from lenders to meet certain deadlines, but who also have an adequate income that can offset some of the pressure.


While Chapter 7’s function is to eliminate numerous debts while also potentially losing some assets, Chapter 13, on the other hand, provides the option for payment to be paid in a structured manner. This plan differs from Chapter 7 in that it allows you to maintain possession of all your major assets, such as your home and vehicles, while simultaneously chipping away at your debts. This is all under the assumption that you are supervised by both a bankruptcy judge as well as a Chapter 13 Trustee throughout the process while you reside in Fontana.

In most cases regarding those who file for Chapter 13 bankruptcy, a timeline of three to five years is given to be able to pay off some, if not all, of their debts based on their disposable income. These debts include medical bills, credit card bills, and personal loans. Additionally, Chapter 13 filings can freeze foreclosures, guarding you against being forced to forfeit your home and allowing for you to commit to a mortgage payment plan that works for everyone. As mentioned previously, filing for Chapter 13 bankruptcy in Fontana requires that you be supervised by a Chapter 13 Trustee who will administer the payment plans for your debts. Ultimately, this holds you accountable and keeps you going in the right direction to have a better future moving forward.

Reach out to the Law Office of W. Derek May to find out if Chapter 13 bankruptcy is an option for you, and together, we’ll get you back on the right path.


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