San Francisco Chapter 13 Bankruptcy Attorney

Experienced Lawyers Guiding You Through Debt Reorganization

With today's tough economy, more people than ever before are finding themselves overwhelmed by debt. Whether due to a job loss, a variable rate mortgage or another unanticipated cause, it has become difficult for many individuals and families to cover day-to-day living expenses. Each month they fall farther and farther behind, caught up in a seemingly endless cycle.

At The Epstein Group, we have more than a dozen years of experience helping San Francisco, California, area clients identify options for debt relief, including Chapter 13 bankruptcy. Contact us to arrange a no-cost, no-obligation consultation with an attorney who can help you to determine if Chapter 13 bankruptcy may be the right option for your specific circumstances.

What Is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy, often referred to as wage earner's bankruptcy or debt reorganization, is often a good choice for people who have a steady income and non-exempt property they wish to keep. In a Chapter 13 bankruptcy, debt is restructured into a payment plan which typically lasts between three to five years. Upon successful completion of the payment plan, any remaining dischargeable debts will be eliminated, leaving you free to build a solid foundation for your future.

Filing for Chapter 13 Bankruptcy Can Stop Home Foreclosure

If you are in danger of losing your home to foreclosure, filing for Chapter 13 bankruptcy may allow you a chance to catch up on mortgage payments. When a Chapter 13 petition is filed, an automatic stay is put in place, halting all collection actions against you, potentially giving you an opportunity to "catch up." In addition, your past-due mortgage amount may be able to be restructured into your bankruptcy repayment plan.

Dischargeable Debts

Neither Chapter 7 nor Chapter 13 bankruptcy will rid you of all of your debts. Typically, only unsecured debt will be eliminated during bankruptcy. This includes credit card bills, medical bills and other types of debt not tied to any type of property. You will not be able to discharge certain debts, such as past-due taxes, student loans, or unpaid child support.

For more information about Chapter 13 bankruptcy and rebuilding your credit, visit our Frequently Asked Questions section.

Free Attorney Consultation

To talk to a lawyer at The Epstein Group about your options for debt relief, call 415-230-0781 or toll-free 888-336-4955 or complete the contact form on this website. There is no charge for your initial consultation.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.