Category Archives: Chapter 13 Bankruptcy

Fontana Chapter 13 Bankruptcy Attorney

Fontana Chapter 13 Bankruptcy Attorney

The Law Offices of Kevin Cortright is centrally located to the City of Fontana. Our practice focuses a significant amount of resources on handling Fontana Chapter 13 Bankruptcy Attorney related needs. Our Fontana Chapter 13 Bankruptcy Attorney is well versed in all aspects of bankruptcy, including handling Chapter 7 Bankruptcy for business and individuals, and Chapter 13 Bankruptcy for individuals.

Benefits of Filing Chapter 13 Bankruptcy

Chapter 13 Bankruptcy is designed for average to low income individuals and businesses. Fontana Chapter 13 Bankruptcy Attorney can provide immediate relief from financial stresses including;

  • Creditor Phone Calls
  • Collection Attempts
  • Foreclosures
  • Car Repossessions
  • Wage Garnishments
  • Civil Lawsuits

A Fontana Chapter 13 Bankruptcy Attorney Can Stop Creditor Phone Calls

If your phone rings from morning till night with annoying creditors calling, Chapter 13 Bankruptcy can put an immediate stop to the calls. The Automatic Bankruptcy Stay will prohibit any creditors from calling you or even sending you a bill.

Chapter 13 Bankruptcy Stops Collection Attempts

If creditors are attempting to collect on judgments, a Fontana Chapter 13 Bankruptcy Attorney will stop those attempts as soon as it is filed. Creditors will not be able to dip their hands into your bank account, your remaining assets will be safe.

Chapter 13 Bankruptcy Stops Foreclosures

Filing Bankruptcy can put a stop to a pending foreclosure sale. While filing a Chapter 7 Bankruptcy will temporarily stop the sale it will not provide permanent relief. To obtain permanent relief and save your home you will need to explore a Chapter 13 Bankruptcy. But if your goal is merely to delay the foreclosure sale then a Chapter 13 Bankruptcy is a good vehicle to accomplish a postponement.

Chapter 13 Bankruptcy Stops Wage Garnishments

If a creditor is attempting to garnish your wages, Chapter 13 Bankruptcy can stop it from happening, or put a stop to a garnishment that has already occurred. Immediately after filing your Bankruptcy we will provide you and your employer with the required documents to stop the garnishment.

Chapter 13 Bankruptcy Stops Civil Lawsuits

If you are being sued in the civil courts it is often a costly and loosing battle. Chapter 13 Bankruptcy can put a hold on the proceedings and give you the time to eliminate the debt all together.

Call or Email Today for a Free Consultation with a Fontana Chapter 13 Bankruptcy Attorney

Fontana Chapter 13 Bankruptcy AttorneyUsing a Fontana Chapter 13 Bankruptcy Attorney can put an immediate and permanent stop to your financial stresses. You can regain control of your financial future. It is common for our clients to have misconceptions regarding Bankruptcy when they come into our offices. Bankruptcy is not something to fear, it can be your legal financial bailout. Take the time to read more information regarding bankruptcy on the pages of our website, then call and schedule a free consultation with one of our Fontana Chapter 13 Bankruptcy Attorney.

At my office you will actually meet with an Attorney, not a paralegal or a law student. Your decision to file bankruptcy is a serious one and we will give it our serious attention. So when you schedule your free consultation you can be assured you will meet with a Fontana Chapter 13 Bankruptcy Attorney, experienced in all aspects of bankruptcy.

Bankruptcy Lawyer

Bankruptcy Lawyer Kevin Cortright

As a Bankruptcy Lawyer I take great pride in helping my clients solve their financial difficulties. At my office I offer a FREE BANKRUPTCY CONSULTATION, were you will meet with me the actual lawyer that will be handling your case from beginning to end. My rates are fair and reasonable with no hidden charges, additionally I offer convenient payment plans available so you can get the bankruptcy process stared immediately.

As a Bankruptcy Lawyer I can provide you with immediate relief from your creditors!

Bankruptcy can STOP

- Foreclosures, Collection Calls – Creditor Harassment – Evictions – Wage Garnishments, Repossessions – Lawsuits – Tax Levies – IRS Harassment – Bank Levies

Bankruptcy can ELIMINATE

- Credit Card Debt – Unsecured Debt – Second Mortgages – HELOCS – Judgments – Medical Bills

Bankruptcy can SAVE

- Your Home – Your Car – Your Money – YOUR MARRIAGE

CALL TODAY!

Murrieta Attorney Office 951-677-8064

Palm Desert Attorney Office 760-542-7796

FREE BANKRUPTCY CONSULTATION – FAST RESPONSE SAME DAY APPOINTMENTS – REASONABLE FEES – PAYMENT PLANS -BANKRUPTCY WILL GIVE YOU A FRESH START!

Is Chapter 13 Bankruptcy Right For You?

Is Chapter 13 Bankruptcy Right For You

Is Chapter 13 Bankruptcy Right For You
I have allot of clients who come into the office asking if chapter 13 bankruptcy is right for them. Most of my potential clients have a misconception of what chapter 13 bankruptcy is and think that it is a bad thing and would prefer not to be in a chapter 13 bankruptcy. The truth is for about 1/3 of my clients chapter 13 bankruptcy is right for their financial situation. While some clients will be forced into a chapter 13 for one reason or another, most actually choose the chapter 13 bankruptcy option after learning how it will help their specific financial situation.

Is Chapter 13 Bankruptcy Right For You

Chapter 13 Bankruptcies are fairly complicated and you really should retain an attorney to help you through the process. The Chapter 13 Bankruptcy Trustee will want some very specific information in a very specific format, failure to provide it will result on dismissal of your Chapter 13 Bankruptcy Filing. Retaining an attorney knowledgeable of local rules and procedure will greatly increase your success rate in getting your Chapter 13 Bankruptcy approved.

For more information on this or any other bankruptcy related matter contact Kevin Cortright at 951-677-8064.

Is Chapter 13 Bankruptcy Right For You

Which Debts are Discharged in Chapter 13 Bankruptcy

Which Debts are Discharged in Chapter 13 Bankruptcy

Which Debts are Discharged in Chapter 13 Bankruptcy
Not all debts are discharged in chapter 13 bankruptcy, debts such as secured debts on homes or cars, child support, or alimony, student loans, recent taxes, or debts incurred as a result of willful or malicious acts, or for personal injuries or death caused by your drunk driving. If the debt is a debt that is not discharged in chapter 13 bankruptcy then it must be repaid in full during the term of the chapter 13 bankruptcy.
All other debts, such as a credit card debt, or an unsecured debt, that are dis-chargeable are discharged upon completing of your chapter 13 bankruptcy repayment plan.

Which Debts are Discharged in Chapter 13 Bankruptcy

Chapter 13 Bankruptcies are fairly complicated and you really should retain an attorney to help you through the process. The Chapter 13 Bankruptcy Trustee will want some very specific information in a very specific format, failure to provide it will result on dismissal of your Chapter 13 Bankruptcy Filing. Retaining an attorney knowledgeable of local rules and procedure will greatly increase your success rate in getting your Chapter 13 Bankruptcy approved.

For more information on this or any other bankruptcy related matter contact Kevin Cortright at 951-677-8064.

Which Debts are Discharged in Chapter 13 Bankruptcy

Chapter 13 Bankruptcy Credit Counseling

Chapter 13 Bankruptcy Credit Counseling

Chapter 13 Bankruptcy Credit Counseling
Before you file your chapter 13 bankruptcy you will have to take a credit counseling class to fulfill the requirements of taking Chapter 13 Bankruptcy Credit Counseling. There are actually two classes that are required to fulfill the Chapter 13 Bankruptcy Credit Counseling requirement. The first one is taken before you file and the second one is taken after you file but before your class closes. So in a chapter 13 bankruptcy you do have more time to take the second class but I always recommend completing it shortly after filing. If you fail to take the first credit counseling class and provide the required documentation your case will be dismissed. If you fail to take the second credit counseling class your case will be closed at the end without a discharge. Both classes can be taken online for about $40 each and they take about 2 hours to complete

Chapter 13 Bankruptcy Credit Counseling

Chapter 13 Bankruptcies are fairly complicated and you really should retain an attorney to help you through the process. The Chapter 13 Bankruptcy Trustee will want some very specific information in a very specific format, failure to provide it will result on dismissal of your Chapter 13 Bankruptcy Filing. Retaining an attorney knowledgeable of local rules and procedure will greatly increase your success rate in getting your Chapter 13 Bankruptcy approved.

For more information on this or any other bankruptcy related matter contact Kevin Cortright at 951-677-8064.

Chapter 13 Bankruptcy Credit Counseling

Making Your Chapter 13 Bankruptcy Payments

Making Your Chapter 13 Bankruptcy Payments

Making Your Chapter 13 Bankruptcy Payments
You are required to make your first Chapter 13 Bankruptcy Payments within the first 30 days. This first Chapter 13 Bankruptcy Payments will usually come due prior to your plan being confirmed. Most courts and trustees require you to bring your first proposed payment with you to the first 341a meeting. Additionally if your hearings are continued prior to confirmation you will need to continue to bring your Chapter 13 Bankruptcy Payments to the trustee. You must be current on your payments at time of confirmation or your plan will not be confirmed. It is important that you check your local court and trustee’s rules regarding these payments.
After your plan is a confirmed your trustee will give you an address to send your payment. Additionally there are options to signup for electronic payments, your trustee will normally have a handout explaining these options. If mailing in your payment it is important to include your name and case number on the payment so it can be properly credited to your account. Additionally checks must be in certified funds, like cashier checks, or money orders.

Making Your Chapter 13 Bankruptcy Payments

Chapter 13 Bankruptcies are fairly complicated and you really should retain an attorney to help you through the process. The Chapter 13 Bankruptcy Trustee will want some very specific information in a very specific format, failure to provide it will result on dismissal of your Chapter 13 Bankruptcy Filing. Retaining an attorney knowledgeable of local rules and procedure will greatly increase your success rate in getting your Chapter 13 Bankruptcy approved.

For more information on this or any other bankruptcy related matter contact Kevin Cortright at 951-677-8064.

Making Your Chapter 13 Bankruptcy Payments

Chapter 13 Bankruptcy Confirmation Hearing

Chapter 13 Bankruptcy Confirmation Hearing

Chapter 13 Bankruptcy Confirmation Hearing
The Chapter 13 Bankruptcy Confirmation Hearing usually requires one appearance in court. The Chapter 13 Bankruptcy confirmation hearing is held after the 341a meeting of the creditors. The purpose of the Chapter 13 Bankruptcy Confirmation Hearing is for the judge to hear the recommendation of your chapter 13 bankruptcy plan, and if all are in agreement to confirm the plan. If there are any disagreements between the trustee, creditors, and your attorney, the judge will make the final determination at this hearing. Additionally if any creditors have filed objections they will usually be heard at this hearing. If needed sometimes the judge can continue the hearing for you to amend your plan if needed, or to obtain additional information. Some judges do no allow any continuances so it is very important to have your paperwork correct the first time. Also your plan cannot be confirmed if it was not served in a timely manner as required by code, and if it does not conform to the bankruptcy and local rules.

Chapter 13 Bankruptcy Confirmation Hearing

Chapter 13 Bankruptcies are fairly complicated and you really should retain an attorney to help you through the process. The Chapter 13 Bankruptcy Trustee will want some very specific information in a very specific format, failure to provide it will result on dismissal of your Chapter 13 Bankruptcy Filing. Retaining an attorney knowledgeable of local rules and procedure will greatly increase your success rate in getting your Chapter 13 Bankruptcy approved.

For more information on this or any other bankruptcy related matter contact Kevin Cortright at 951-677-8064.

Chapter 13 Bankruptcy Confirmation Hearing

Chapter 13 Bankruptcy Meeting of Creditors

Chapter 13 Bankruptcy Meeting of Creditors

Chapter 13 Bankruptcy Meeting of Creditors
The chapter 13 bankruptcy meeting of creditors is very similar to that of the chapter 7 bankruptcy meeting of the creditors. The main difference is the chapter 13 bankruptcy meeting of creditors can go longer then a chapter 7 meeting. The reason for this is that the meeting is a little more involved, not only will creditors if present be allowed to ask questions, additionally the trustee will be going over your bankruptcy petition in detail along with your proposed chapter 13 repayment plan.

In reality very seldom do any creditors attend the chapter 13 bankruptcy meeting of creditors. So usually it just becomes a meeting for the trustee to discuss your proposed chapter 13 repayment plan. The best way to insure a good meeting is to submit accurate and detailed information to the trustee prior to your hearing. The trustee does not have the time to look at new documents you present at the hearing and it will most likely anger the trustee, a thing you are really trying to avoid.

Chapter 13 Bankruptcy Meeting of Creditors

Chapter 13 Bankruptcies are fairly complicated and you really should retain an attorney to help you through the process. The Chapter 13 Bankruptcy Trustee will want some very specific information in a very specific format, failure to provide it will result on dismissal of your Chapter 13 Bankruptcy Filing. Retaining an attorney knowledgeable of local rules and procedure will greatly increase your success rate in getting your Chapter 13 Bankruptcy approved.

For more information on this or any other bankruptcy related matter contact Kevin Cortright at 951-677-8064.

Chapter 13 Bankruptcy Meeting of Creditors

Chapter 13 Bankruptcy Automatic Stay

Chapter 13 Bankruptcy Automatic Stay

Chapter 13 Bankruptcy Automatic Stay
When you file for Chapter 13 Bankruptcy, the bankruptcy court automatically issues a chapter 13 bankruptcy automatic stay order preventing most creditors from taking action to collect a debt against you or your property. This stay is temporary and can vary in length depending upon your specific situation, or the number of times you have filed bankruptcy. The chapter 13 bankruptcy automatic stay is immediate upon filing and can prevent property from being repossessed or foreclosed upon, or stop lawsuits or wage garnishments. If you are in need of immediate protection from your creditors it is highly recommended you meet with and experienced bankruptcy attorney regarding how the chapter 13 bankruptcy automatic stay can be applied to your specific situation.

Chapter 13 Bankruptcy Automatic Stay

Chapter 13 Bankruptcies are fairly complicated and you really should retain an attorney to help you through the process. The Chapter 13 Bankruptcy Trustee will want some very specific information in a very specific format, failure to provide it will result on dismissal of your Chapter 13 Bankruptcy Filing. Retaining an attorney knowledgeable of local rules and procedure will greatly increase your success rate in getting your Chapter 13 Bankruptcy approved.

For more information on this or any other bankruptcy related matter contact Kevin Cortright at 951-677-8064.

Chapter 13 Bankruptcy Automatic Stay

Length of Chapter 13 Bankruptcy Repayment Plan

Length of Chapter 13 Bankruptcy Repayment Plan

Length of Chapter 13 Bankruptcy Repayment Plan
When you propose your Chapter 13 Bankruptcy repayment plan you must also propose what the length of chapter 13 Bankruptcy Repayment Plan will be. The length of the plan is usually between 36 to 60 months and is usually determined by your average income as calculated by the means test. The income used to calculate the commitment time of your plan is the income in the immediate 6 months prior to your filing. Filers who have income less then the average median income have a choice between filing chapter 7 bankruptcy or chapter 13 bankruptcy, and the length of chapter 13 bankruptcy repayment plan is 36 months. Those with income in excess of the median income will have a plan length of 60 months.

Length of Chapter 13 Bankruptcy Repayment Plan

Chapter 13 Bankruptcies are fairly complicated and you really should retain an attorney to help you through the process. The Chapter 13 Bankruptcy Trustee will want some very specific information in a very specific format, failure to provide it will result on dismissal of your Chapter 13 Bankruptcy Filing. Retaining an attorney knowledgeable of local rules and procedure will greatly increase your success rate in getting your Chapter 13 Bankruptcy approved.

For more information on this or any other bankruptcy related matter contact Kevin Cortright at 951-677-8064.

Length of Chapter 13 Bankruptcy Repayment Plan