Chapter 13 Bankruptcy 

Los Angeles, California, Chapter 13 Bankruptcy Attorney

In addition to handling Chapter 7 bankruptcy filings, our staff at the Law Offices of Cynthia L. Gibson provides comprehensive Chapter 13 bankruptcy guidance to clients across Orange County and the surrounding areas. Contact us today and schedule your free initial consultation. During this time, we can discuss your options and determine if Chapter 13 is right for you.

What is Chapter 13?

A Chapter 13 bankruptcy filing gives the debtor the opportunity to restructure debt under the supervision of the bankruptcy court. In a Chapter 13 bankruptcy filing, the debtor provides creditors with a proposed repayment plan, detailing how the debtor intends to pay off his or her obligations. The bankruptcy code generally allows the debtor three to five years to pay off the debt. If the creditors (and the bankruptcy court) approve the plan, the debtor makes regular payments to the bankruptcy trustee and the trustee pays the creditors in accordance with plan provisions.

What to Bring to Your Initial Consultation

When you come to our office for your initial consultation, it is helpful for us to have several documents in order to effectively assess your case. Some of these documents include:

• A recent paystub
• Recent creditor statements (including mortgage, vehicles, student loans)
• List of monthly expenses
• Real estate market value of your property

Prior to Filing Chapter 13

Before filing for Chapter 13 bankruptcy protection, we need to gather a number of documents from you to effectively put together a case, including:

• Tax returns (previous 4 years)
• Paystubs (7 months)
• Bank statements (12 months)
• Check register(s) (12 months)
• Life insurance policies
• 401K, Pension, Retirement, IRA statements (most recent)
• Lawsuits
• Bluebook value of your vehicle(s) (can be found at www.kbb.com)
• Any other statements requested by the office

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

Trust your Chapter 13 bankruptcy issues to an experienced attorney at the Law Offices of Cynthia L. Gibson. Contact a lawyer at our office today to schedule your FREE INITIAL CONSULTATION.

A small business and personal bankruptcy law firm in Los Angeles, serving all of Orange County, including Seal Beach, Gardena, South Bay, Torrance, Long Beach, Huntington Beach, Lakewood, Santa Ana