Santa Rosa Chapter 13 Bankruptcy
Chapter 13 is a method of restructuring your debt to make payment that you can afford, and discharging your obligation to pay the rest of your debts. After filing, under the supervision of a trustee, you will make payments according to a plan submitted to and approved by the Bankruptcy Court.
The Chapter 13 Process
You will need to meet with your attorney and go over your options. If you decide that Chapter 13 is right for you, you will need to do a few things to get your case filed. First, get together the information and documents your attorney needs to prepare your petition and Chapter 13 Plan. Then, you will meet with your attorney to go over the petition and the plan and sign all the paperwork, and it can be filed with the court (usually in the attorney's office while you are there). About a month after filing your case, you will need to attend the 341 hearing, or as it is often called, the meeting of creditors. Although this sounds like you will be questioned by your creditors, it is actually rare that any creditors show up. Instead a more accurate description of the 341 hearing is that it is a trustee question and answer session. You will answer some standard questions under oath that the trustee will record. You need to be prepared to answer the trustee's questions truthfully and accurately. Although many clients get nervous about the meeting of creditors, for the typical bankruptcy client, this is nothing to worry about, and your attorney will be there with you to get you through it as quickly and painlessly as possible. After your meeting of creditors, the court holds a Confirmation Hearing. In the Santa Rosa division, the client does not need to attend this hearing- your attorney will do it for you. Although it can often take a few months to get your case confirmed, and it is continued to allow for any issues to be resolved, most cases will be confirmed and all that remains is for the client to pay their Chapter 13 payment, provide their tax returns to the Chapter 13 trustee each year, and get their exit counseling completed prior to discharge. Contact Jennifer Hendrickson for assistance in getting through this process as efficiently as possible - stripping away a maximum amount of debt and protecting your assets.
Warning Signs You May Need to Consider Chapter 13
If you fit any of these categories, or more than one of them, you should consider whether a Chapter 13 bankruptcy would help get your financial life turned around.
Contact A Bankruptcy Attorney Now
Bankruptcy may not be advisable to you, depending on your debt level, financial circumstances, current assets and current income and income potential. A free bankruptcy consultation can advise you on whether bankruptcy is the right alternative for you and how to use the bankruptcy laws to your advantage. Bankruptcy is designed to give you a fresh start.
Law Offices of Jennifer Hendrickson
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829 Sonoma Ave., Suite 8
Santa Rosa, CA 95404
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