San Jose Chapter 13 Bankruptcy Lawyers

To file bankruptcy, you must qualify under the particular chapter appropriate to your situation. Our consumer bankruptcy attorneys can assist you in planning for and determining whether you qualify for Chapter 13. Our expert attorneys can help determine the best solution for your situation.

At Diemer, Whitman & Cardosi, LLP, our San Jose Chapter 13 bankruptcy attorneys help individuals and families throughout the Bay Area obtain meaningful debt relief. If you have been struggling under a mountain of debt, it may be time to explore your options for getting a fresh financial start. Contact our California debt relief lawyers online or call 408-971-6270 to schedule an appointment to discuss your situation.

How Does Chapter 13 Bankruptcy Differ From Chapter 7?

Chapter 7 bankruptcy is an asset-based form of debt relief in which your nonexempt assets are liquidated, or sold, by the bankruptcy trustee in order to pay creditors as much of what you owe as possible. By contrast, a Chapter 13 bankruptcy is income-based, meaning that your creditors will be paid what you can afford to pay based on your income, minus fixed expenses and a reasonable living allowance.

Under Chapter 13, debtors get the relief they need through reorganization of their debts and the creation of a three- to five-year repayment plan by which those debts will be paid in full or in part. At the end of this period, the balance of any remaining unsecured debt is wiped away.

Some individuals don't qualify for either a Chapter 7 or a Chapter 13 bankruptcy. Diemer, Whitman & Cardosi's San Jose bankruptcy attorneys can assist those debtors with an individual Chapter 11 bankruptcy filing.

Creating Individualized Solutions

Based on a careful assessment of your financial situation, individual goal-setting and an evaluation of all your bankruptcy and nonbankruptcy options for debt relief, our San Jose consumer bankruptcy attorneys will begin to design a plan that makes the most of your opportunity for a fresh financial start.

Contact Our California Bankruptcy Attorneys

You do not have to live with the stress of overwhelming debt. Contact our San Jose Chapter 13 bankruptcy lawyers online or call 408-971-6270 for a free initial consultation to discuss your situation.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. Diemer, Whitman & Cardosi is pleased to be able to offer a wide variety of services to its clientele, including advice concerning bankruptcy, whether that matter relates to creditor claims, debtor claims, preferential transfer actions, recoupment claims or any general business litigation matter.