Chapter 13 Bankruptcy

Chapter 13 Personal Bankruptcy | Chapter 13 Small Business Bankruptcy

Located in Covina and serving individuals and small business clients throughout the Pasadena-Covina-Pomona area, the Law Offices of Kelly Warren has more than 28 years of experience handling a wide range of bankruptcy and financial matters, including Chapter 13 bankruptcy for individuals and unincorporated businesses.

We provide individuals and small business owners with the information they need to make informed decisions about bankruptcy. If bankruptcy is right for you, we will guide you through the process and help you gain a fresh start.

Our clients receive quality representation at affordable prices. We understand the economy and the hardships faced by our clients. We also understand that everyone’s situation is different, and we tailor our representation to meet your individual needs. We will discuss whether bankruptcy is a solution to your situation, and if so, whether you should file for a Chapter 7 or Chapter 13 bankruptcy.

For additional information about the benefits of retaining the services of attorney Kelly Warren, visit Our Qualities and Qualifications page.

Experienced Covina Chapter 13 Bankruptcy Attorney

If you need to buy yourself time or get creditors off your back while you make arrangements to pay your debts, a Chapter 13 bankruptcy may be right for you. A Chapter 13 bankruptcy can be an effective way to restructure a loan or debt (sometimes referred to as a “cram-down”). Take, for example, a car with a fair market value below the amount due on the car loan. The secured portion of the loan (the fair market value of the car) can remain secured by the car. The amount due on the loan above the value of the car is deemed “unsecured” and subject to the same terms as all other unsecured debt, which is often paid at a discount in bankruptcy.

A Chapter 13 bankruptcy allows debtors to reorganize and pay off unsecured debt over a 3-5 year period. In many cases, the unsecured debt is discounted, and the debtor only pays a portion of the debt. Your individual circumstances, including income, expenses and total debt, are examined to determine the amount of your payments and whether your unsecured debt will be discounted.

Contact Experienced Covina Bankruptcy Lawyer Kelly Warren

To discuss your Chapter 13 bankruptcy matter with an experienced bankruptcy attorney who is committed to resolving your legal matter, call 626-859-1030 to schedule a confidential consultation with Mr. Warren. If you prefer, you can utilize our intake form and we will contact you to schedule an initial consultation.

Quality Representation at Affordable Price