Advanced Debt Relief Assistance in Southern California

We provide the highest quality legal services to our clients in a timely and cost-effective manner. We pride ourselves on the significant amount of personal attention we give to each client. We represent individuals and small businesses throughout Southern California, including Los Angeles and Orange County.

In the current economic climate, so many individuals have fallen behind on their financial obligations, including credit card bills, mortgage payments and medical bills. Whether it's due to job loss, the inability to work due to an injury, or simply the result of poor financial decisions, Chapter 13 bankruptcy may be a viable option for ending the burden of overwhelming debt, stopping the harassment of creditors and providing you with the opportunity for a fresh start. It may also provide an opportunity for you to keep your home.

Representation Tailored to Your Specific Situation

At the Law Offices of John Rubenstein, we understand that deciding whether to file for bankruptcy is a serious decision. We make a point of meeting personally with each client to understand their financial situation and make recommendations for them with their best interest in mind. We welcome the opportunity to meet with you to discuss your financial options.

We understand that no two financial situations are alike, and we make ourselves available to our clients to be sure we fully understand their specific needs before offering experienced advice on debt relief options.

Chapter 13 provides for adjustment of debts of an individual with regular income. Chapter 13 allows a debtor to keep property and pay debts over time, usually three to five years.

To schedule a free initial consultation with an attorney to discuss your financial concerns and options, contact our office online or call 888-603-7202 today.

Ending Debt Through Chapter 13 Bankruptcy

Chapter 13 is designed for individuals with regular income who would like to pay all or part of their debts in installments over a period of time. You are eligible for chapter 13 if your debts do not exceed certain dollar amounts set forth in the Bankruptcy Code.

Under chapter 13, you must file with the court a plan to repay your creditors all or part of the money that you owe them, using your future earnings. The period allowed by the court to repay your debts may be three years or five years, depending upon your income and other factors. The court must approve your plan before it can take effect.

After completing the payments under your plan, your debts are generally discharged except for domestic support obligations; most student loans; certain taxes; most criminal fines and restitution obligations; certain debts which are not properly listed in your bankruptcy papers; certain debts for acts that caused death or personal injury; and certain long term secured obligations.

Additional Information

For more information about Chapter 13 bankruptcy click here.

Contact Our Office for the Support You Need

We may be able to quickly help you temporarily end foreclosure proceedings and put a stop to the harassing calls from creditors and bill collectors. Simply filing for Chapter 13 bankruptcy may end these problems immediately, allowing you to focus on repaying your debt and rebuilding a strong financial standing.

Contact our office online or call 888-603-7202 to schedule a free consultation with a lawyer to discuss your specific needs. Our Los Angeles office is conveniently located on Wilshire Boulevard and our Orange County office is conveniently located off highway 55 in Costa Mesa.