Chapter 13 Bankruptcy

Riverside Chapter 13 Bankruptcy Attorney

Have your bills and debts become unmanageable? Are you severely delinquent on your mortgage payment, car payment, and credit card bills? Do harassing creditors call you several times a day? If this sounds like what you are experiencing, Winfield Payne & Associates can help. Our firm provides experienced and effective legal help to individuals who are suffering financially.

Do you need to speak with a lawyer regarding your options in filing Chapter 13 Bankruptcy? Please contact Attorney Winfield Payne today to arrange a free consultation. Since 1979, Mr. Payne has provided hands-on legal representation by personally preparing and filing all bankruptcy documents.

Chapter 13 and the New Bankruptcy Law

Bankruptcy laws require consumers to undergo a means test to determine eligibility for Chapter 7 Bankruptcy. The means test will consider the state's median income and the person's current monthly income. When a person is not eligible for Chapter 7 filing, Chapter 13 is the next option. Chapter 13 Bankruptcy is a reorganization of debt that many "wage earners" can benefit from. Mr. Payne can advocate on your behalf to have debt discharged, interest rates reduced, and a 3-5 year repayment plan established.

Chapter 13 is a great way for wage earners to get a fresh start on finances. Many people may feel they just need a fresh start on their mortgage payments, car payments, and other debts. Chapter 13 provides this fresh start.

Additionally, when our firm files bankruptcy on your behalf, the court will file an automatic stay. This will put an immediate halt to creditors' actions. We can help stop foreclosure and save your car from repossession. Contact us today to learn how we can help.