Chapter 13 differs from Chapter 7 in that instead of seeking a full discharge of your unsecured debt it works to reorganize your debt in such a way that it is affordable for you to pay it over a period of time.
Bankruptcy and Your Credit
Contrary to popular belief, bankruptcy will not necessarily cause your credit score to decrease. In most cases a person’s credit score has already been adversely affected by late payments, high debt to income ratio, or maxed out credit cards, etc.
"From the bottom of my heart, thank you so much for everything you’ve done for us! We are very fortunate to have chosen you after meeting with several other attorneys. We couldn’t be happier. And now we’re debt free. Thank you. "
–V & L, HOLLISTER, CA.
Going through a bankruptcy is an extremely difficult and scary experience. Being led carefully through that experience by Jeremy, however, made it so easy and comfortable that it was very much like having an old friend take care of everything for us! He was there for us at every step of the way, and before we knew it, it was over. His compassion and attentiveness were indispensable, and I am so glad I trusted my intuition and chose him to represent us.
–THE PERRYS, MONTEREY, CA.
Oh My, This is good news. (on receiving a discharge) Bless you, and thank you for all your support and hard work. I can now start over and wiser. You will be highly recommended! Sincerely, Carolyn
–CAROLYN, MONTEREY, CA