Chapter 13 Bankruptcy Attorney in Pomona, CA
Chapter 13 bankruptcy allows individuals to reorganize their debt and repay what they owe through a structured monthly payment plan. At Hedtke Law Group, our Chapter 13 bankruptcy attorney in Pomona, CA helps clients protect their homes, stop foreclosure, and catch up on missed payments. We serve clients throughout Pomona, Walnut, Diamond Bar, San Dimas, La Verne, Montclair, and Phillips Ranch.
How Chapter 13 Bankruptcy Works
Chapter 13 bankruptcy begins by filing a petition in federal court and creating a repayment plan that lasts three to five years. Instead of eliminating all unsecured debt immediately, Chapter 13 allows you to repay a portion of your debt based on what you can afford. After successfully completing the plan, the remaining eligible unsecured debts may be discharged.
Stop Foreclosure and Repossession
Filing Chapter 13 bankruptcy immediately stops foreclosure, repossession, and creditor collection efforts through the automatic stay. This allows you to catch up on past-due mortgage or car payments over time while keeping your property. Many clients in Pomona, Walnut, Diamond Bar, San Dimas, La Verne, Montclair, and Phillips Ranch use Chapter 13 to save their homes.
Who Qualifies for Chapter 13 Bankruptcy
Chapter 13 bankruptcy is designed for individuals who have regular income and need time to catch up on missed payments. It is often used by people who:
- Are behind on mortgage payments
- Want to stop foreclosure
- Need to stop car repossession
- Have steady income
- Do not qualify for Chapter 7 bankruptcy
The court must approve your repayment plan based on your income, expenses, and debts.
Free Consultation with a Chapter 13 Bankruptcy Lawyer in Pomona
If you live in Pomona or nearby areas including Walnut, Diamond Bar, San Dimas, La Verne, Montclair, or Phillips Ranch, Hedtke Law Group can help. Call 909-736-3111 today to schedule your free consultation with an experienced Chapter 13 bankruptcy attorney in Pomona, CA.