Chapter 13

Explore in-depth resources related to Chapter 13 bankruptcy, including video interviews with experienced attorneys and comprehensive articles that demystify the legal process. Visitors will find detailed explanations of Chapter 13 plans, eligibility requirements, and the implications of filing for bankruptcy. Whether you are considering filing or seeking to understand your options, this category provides essential legal insights and guidance to help you navigate the complexities of bankruptcy law.

34 posts

Understanding Bankruptcy Options: A Comprehensive Guide to Financial Relief Through Federal Law

July 12, 2025 • By Jack Gilbert

Federal bankruptcy law offers 3 primary consumer options: Chapter 7, Chapter 13, and (in limited cases) Chapter 11. The right chapter depends on income, assets, and whether debts can be discharged or must be repaid through a court-approved plan. This article explains eligibility, key steps, and how each option affects property, credit, and future finances. […]

Bankruptcy Law Chapter 11

Chapter 13 vs. Chapter 7 Bankruptcy: Which to Choose?

January 21, 2025 • By Jack Gilbert

Chapter 7 can wipe out qualifying unsecured debts in about 3–6 months, while Chapter 13 repays debts through a court-approved plan over 3–5 years. The right choice depends on your income, the property you need to protect, and whether you’re trying to catch up on mortgage, car, or tax arrears. This article compares eligibility, costs, […]

Bankruptcy Attorney Bankruptcy Law

In California, What Are the Typical Costs of Hiring a Bankruptcy Lawyer?

October 19, 2024 • By Jack Gilbert

In California, hiring a bankruptcy lawyer typically costs about $1,500–$3,500 for Chapter 7 and $3,000–$6,500 for Chapter 13, depending on your case and location. Fees vary based on asset complexity, prior filings, creditor disputes, and whether your case requires extra motions or court hearings. This article breaks down common fee ranges, what’s included, additional costs […]

Asset Protection Bankruptcy Attorney

Essential Services: Happy Unique Help From CA Bankruptcy

October 10, 2024 • By Jack Gilbert

California bankruptcy lawyers help individuals and businesses file Chapter 7 or Chapter 13 and seek the automatic stay that can stop collections immediately. They prepare and file petitions, advise on exemptions, and represent clients at the 341 meeting and hearings. This article explains key services, timelines, and what to expect in California bankruptcy cases. Bankruptcy […]

Bankruptcy Attorney Chapter 13

What Essential Questions Should I Ask During a Bankruptcy Lawyer Consultation?

October 6, 2024 • By Jack Gilbert

Ask at least 10 key questions in your bankruptcy lawyer consultation—covering chapter eligibility, total costs, timelines, and likely outcomes—to avoid surprises and choose the right strategy. The best consults clarify whether Chapter 7 or Chapter 13 fits your income, assets, and debts, and what you can realistically keep. This article lists essential questions to ask […]

Asset Protection Bankruptcy Attorney

How Do Bankruptcy Exemptions Work and How Can a Lawyer Help?

October 1, 2024 • By Jack Gilbert

Bankruptcy exemptions can protect 100% of certain assets (like basic household goods) from liquidation, but limits and eligibility vary by state and chapter. A bankruptcy lawyer helps you choose the right exemption system, properly value and list property, and defend exemptions if a trustee objects. This article explains how exemptions work and how counsel safeguards […]

Bankruptcy Law Chapter 13

What Happens to My Mortgage If I File for Bankruptcy with a Lawyer?

September 27, 2024 • By Jack Gilbert

Filing bankruptcy doesn’t automatically cancel your mortgage—most filers keep the home by staying current or using Chapter 13 to repay arrears over 3–5 years. A bankruptcy lawyer can help stop foreclosure via the automatic stay and choose the best option to protect your equity and payments. This article explains how Chapters 7 and 13 affect […]

Asset Protection Bankruptcy Attorney

Can I Keep My Car If I File for Bankruptcy with a Lawyer?

September 21, 2024 • By Jack Gilbert

Yes—most filers can keep their car in bankruptcy if they stay current on payments or protect the vehicle’s equity with exemptions. A lawyer can help you choose Chapter 7 vs. Chapter 13 and use tools like reaffirmation, redemption, or a repayment plan to avoid repossession. This article explains the rules, options, and key factors that […]

Bankruptcy Law Chapter 13

Will Bankruptcy Stop Wage Garnishments with a Lawyer’s Intervention?

September 12, 2024 • By Jack Gilbert

Yes—filing bankruptcy stops most wage garnishments immediately in 1–2 days once the case is filed due to the automatic stay. A bankruptcy lawyer can file fast, notify the employer/creditor, and use exemptions to protect wages, though child support and some taxes may continue. This article explains how Chapter 7 vs. Chapter 13 affects garnishments, timing, […]

Banking/Finance/Securities Bankruptcy Attorney

Will Bankruptcy Stop Wage Garnishments with a Lawyer’s Intervention?

September 8, 2024 • By Jack Gilbert

Yes—filing bankruptcy triggers an automatic stay that usually stops wage garnishments immediately (often within 24 hours). A bankruptcy lawyer can file quickly, notify the creditor and payroll, and pursue exemptions or discharge to prevent future garnishment. This article explains how Chapter 7 and Chapter 13 affect garnishments and what exceptions may apply. When facing wage […]

Bankruptcy Attorney Chapter 13

What Is an Automatic Stay in Bankruptcy and How Does a Lawyer Secure It?

September 4, 2024 • By Jack Gilbert

An automatic stay takes effect immediately upon filing bankruptcy, stopping most collections such as lawsuits, garnishments, repossessions, and foreclosure actions. A bankruptcy lawyer secures it by filing the petition correctly, notifying creditors, and seeking court orders to address violations or extend stay coverage when needed. This article explains how the stay works, key exceptions, and […]

Banking/Finance/Securities Bankruptcy Law

How Frequently Can One File for Bankruptcy With a Lawyer’s Help?

August 26, 2024 • By Jack Gilbert

You can file for bankruptcy multiple times, but discharge timing rules apply—typically 8 years between Chapter 7 discharges and 2 years between Chapter 13 discharges. Other waiting periods can apply when switching chapters, and repeat filings may limit the automatic stay. This article explains repeat-filing rules and how a bankruptcy lawyer helps plan the best […]

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