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Filing for Chapter 13 bankruptcy in California is an option for people who have a steady income and are looking to escape debt without being required to liquidate assets.  Chapter 13 reorganizes loans into small monthly payments, which allows you the opportunity to regain control over your debts and rebuild credit.

Unlike Chapter 13, Chapter 7 bankruptcy cases do involve filing a plan of repayment. Instead, the bankruptcy trustee gathers and sells your nonexempt assets to pay holders of claims according to Bankruptcy Code provisions.

Facing debt from missed payments, a lawsuit from creditors, or debt on multiple credit cards? A bankruptcy filing might be the most appropriate solution. If you need assistance dealing with credit card debt and delinquent payments, a bankruptcy lawyer may be able to provide valuable assistance. Hold onto your possessions while eliminating some or all of your high interest.

Filing for bankruptcy may be an option if you owe past-due federal taxes that you cannot pay. Learn about IRS payment plans or an offer in compromise. The Internal Revenue Service understands that filing for bankruptcy may be one method for dealing with personal financial difficulties resulting from a combination of reduced income, increased expenses or serious medical conditions.

Filing for bankruptcy may be a good option if your small business in the United States has struggled with debt. There are various considerations to keep in mind, depending on the circumstances.

• Which of the following types of business do you run: sole proprietorship, general partnerships, corporation, or limited liability company?
• Are you personally liable for any of your business debts?
• Are you interested in closing your business or would you like to keep it running?

Suffering from medical debt? For many, medical bills and the inability to pay them can be a huge burden. We can help. If medical expenses or a family member’s chronic condition cause your debt to spiral out of control, it may be time to file for bankruptcy. Hardworking people with inadequate coverage face this difficult situation, and a surprising number of middle-class Americans don’t have insurance at all. Connect with a bankruptcy specialist to learn about options for eliminating medical debt or getting more time to pay.

Auto repossessions are not uncommon. You may be able to keep your vehicle even if you are behind on payments and facing auto repossessions. Contact a bankruptcy lawyer immediately to file an adversary proceeding with the bankruptcy court. It is important to seek legal advice before you contact your creditor or make arrangement to pay the debt since doing so may affect your eligibility for bankruptcy.

Having your wages garnished means that not only can the creditor take money directly from your wages before you receive them, but your employer will be made aware of your debts. A wage garnishment is a legal order to an employer that requires the them to withhold part of an employee’s wages and pay these directly to another individual or entity. Wage garnishments are usually ordered as a result of unpaid debts, such as child support, personal loans, state or federal taxes and credit card debt.