Bankruptcy Chapter 13 – an opportunity for a fresh start.
Chapter 13 Bankruptcy Attorney in Rancho Cucamonga, CA
Chapter 13 bankruptcy is designed for individuals with regular income who want to repay all or part of their debts through an affordable court-approved repayment plan. This option can be especially helpful for residents in Rancho Cucamonga and nearby communities like Upland, Alta Loma, Etiwanda, and San Antonio Heights who are trying to stop foreclosure, catch up on mortgage payments, or protect valuable assets.
There are many situations where Chapter 13 bankruptcy may be more appropriate than Chapter 7 liquidation. If you have significant property you want to keep, did not qualify under the Chapter 7 means test, or feel more comfortable repaying a portion of your debts over time, Chapter 13 can be a practical and responsible solution.
Our experienced bankruptcy attorneys guide individuals and families throughout the Rancho Cucamonga area, including Los Olivos, Grapeland, Rochester, and North Cucamonga, through the Chapter 13 process with clear advice and strong legal protection.
How Chapter 13 Bankruptcy Works
Under Chapter 13 bankruptcy, you create a structured repayment plan — often called a “wage earner’s plan” — based on your income, expenses, and total debt. Payments are made over three to five years. At the end of the repayment period, any remaining eligible unsecured debt is discharged, giving you a fresh financial start.
Seeking advice from a qualified Chapter 13 bankruptcy attorney as early as possible helps ensure your assets are protected and your repayment plan is structured for success. Our legal team carefully evaluates your financial situation to determine whether Chapter 13 is the best strategy for your long-term stability.
Chapter 7 vs. Chapter 13 Bankruptcy
Chapter 7 – Liquidation: Eliminates most unsecured debts and is available to individuals, businesses, and organizations. The process usually takes three to six months. A trustee may sell non-exempt property to repay creditors, but future income after filing is generally protected. Chapter 7 remains on your credit report for up to 10 years and can typically be filed once every eight years.
Chapter 13 – Reorganization: Available only to individuals, Chapter 13 involves a three-to-five-year repayment plan. Debtors keep their property while making structured payments to creditors. Protection from collections and wage garnishment begins immediately after filing. Chapter 13 remains on your credit report for up to seven years and can be filed more than once, depending on circumstances.
Get Trusted Help With Chapter 13 Bankruptcy
Filing for bankruptcy does not mean losing everything — it is a legal tool designed to help you rebuild credit and regain financial control. Many of our clients have used Chapter 13 to stop foreclosure, prevent repossession, and create a realistic path toward financial recovery.
Contact our office today to schedule a free, no-risk consultation. Call (909) 457-0153 to speak with a Chapter 13 bankruptcy attorney serving Rancho Cucamonga and surrounding Inland Empire communities.