Chapter 13 Bankruptcy Attorney in Torrance

A South Bay Bankruptcy Lawyer Can Help You Seek Protection

Are you overwhelmed with debt, but earning a steady income? You may want to file for Chapter 13 bankruptcy. Chapter 13 allows debtors a chance to restructure and oftentimes greatly reduce their debt, while avoiding home foreclosure, repossession, and other harmful creditor actions. The team of Chapter 13 bankruptcy lawyer at the Law Offices of James C. Shields is adept at guiding people through the whole process. We are here for you to help you seek debt relief and start rebuilding your credit. Call (310) 626-4404 for a free consultation!

The Basics of Chapter 13 Bankruptcy

At the Law Offices of James C. Shields, we have extensive experience helping people seek the protections of Chapter 13. It allows you to pay back all or some of your debts over a three to five year period.

Reasons to File Chapter 13

You may wish to file for Chapter 13 bankruptcy if:

• You are facing home foreclosure
• You are facing repossession of an automobile
• You would like to stop creditors from harassing you
• You have a steady income and would be able to make regular payments
• You are not eligible for a Chapter 7 bankruptcy

Our Torrance Chapter 13 bankruptcy attorneys will help you with all aspects of the personal bankruptcy process, from completing the paperwork to attending hearings and court procedures on your behalf. Our goal is to help you find debt relief through either Chapter 13 or Chapter 7 bankruptcy. No matter your situation, our team can help you find a course of action suited to your unique needs and goals.

How Often Can You File Chapter 13 Bankruptcy?

If you are looking to file another Chapter 13 bankruptcy, you will have a waiting period of two years. It’s important to note, your waiting period starts on the filing date of your previous bankruptcy. If you are planning to file for Chapter 7 bankruptcy after having previously filed for Chapter 13, you will have a waiting period of six years.

Schedule a Free Consultation with a Chapter 13 Bankruptcy Lawyer!

If you are considering filing, reach out to our Chapter 13 attorney in Torrance today! We are here to answer your questions and help you take legal action. Contact the Law Offices of James C. Shields by filling out our online free case evaluation form or by telephone at (310) 626-4404.