If you are struggling with your finances, you may need to seek out Chapter 13 bankruptcy lawyer.

With the help of a trained legal team, you can formalize a payment plan that allows you to repay back your debts through monthly payments without the risk of being evicted from your house or losing your car.

With a reasonable plan that has no interest charges, you will gain control of your financial life and enjoy peace of mind without losing your properties or possessions.

How a Chapter 13 Bankruptcy Lawyer Can Help

Chapter 13 bankruptcy can be a solution for many debtor situations such as experiencing a sudden loss of income due to a personal injury, falling behind on mortgage or alimony payments or other tax debts. You can make payments 60 months to repay your debts or just to have them discharged. That is five years with no interest or late fees. You do not have to lose your property or assets to a trustee to be sold and your money will be distributed to your creditors without any additional financial or legal consequences.

Chapter 13 bankruptcy  is not for everyone. It is a complex process, but can provide long-term debt relief. If you find yourself in a financial situation with no apparent remedy, it’s time to contact the professional Chapter 13 bankruptcy lawyers at the EH Law Group.

Why File a Chapter 13 Bankruptcy Case?



There are several options one must consider before they file for bankruptcy. If you have limited assets then consider a Chapter 7 liquidation. If you meet the eligibility requirements then you may not have to pay back any debt.

Or, you can choose to reorganize your assets under Chapter 13 bankruptcy. The Chapter 13 bankruptcy process can be the best solution for individuals for the following reasons:

• You can still apply for Chapter 13 bankruptcy if your request for a  Chapter 7  case was denied previously.

• Due to the flexibility of repayment plans, Chapter 13 bankruptcy can help you live your life without the continuous stress about your finances and overdue payments.

• Under Chapter 13, you can save your home from foreclosure.

• You can reschedule secured debts and pay them over an extended period. You can set new payment plans for a car that is older than 2.5 years old.

• It is an excellent way to repay unsecured debts like medical bills and credit card payments.

• You will be able to pay past-due legal expenses like child support and income tax without getting into legal trouble.

• In some cases, you might be able to include the attorney’s fees in your Chapter 13 repayment plan.

How Does Chapter 13 Bankruptcy Work?

At EH Law Group, you will find a team of seasoned lawyers who will examine the case and go through your finances to suggest the best bankruptcy petition plan. If you do not qualify for a Chapter 13 bankruptcy, our legal counsel will recommend other options that may work for you.

The next step is to prepare the legal documents related to your case. A qualified member of our team will be responsible for reviewing your documents and will guide you to complete an online credit counseling class, as required by the Bankruptcy Code.

After that, our team will act as your agent with the bankruptcy trustee after drafting your petition and filing it on your behalf. We will support you through the process of your hearing until your bankruptcy case is approved.

At EH Law Group, we will provide you with the needed legal and emotional support involved with a Chapter 13 bankruptcy case. We are trained to answer your questions and provide clarification regarding how your bankruptcy case will proceed. Our bankruptcy attorneys will help you find a good way to repay your overdue debts without giving up any of your properties, so you and your family can enjoy stability.

Contact us today for your free initial consultation to discuss your financial situation. Our practice area covers the San Mateo and San Francisco areas. We look forward to providing the help and support you need.