× Tap to Call Us Now >>
Tap to Call Us Now >>


BLC Law Center
380 South Melrose Drive #300
Vista, CA 92081

619-207-4579 info@blc-sd.com


What is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy is a “reorganization” of your debts and is designed for people that have regular income but need time to pay back certain kinds of debts (like defaulted home mortgages). It can best be defined as a restructuring and consolidating of debts into a more manageable plan for repayment. Chapter 13 recognizes that some debts can’t be paid back in full, but it gives most people an opportunity to pay what they can afford, above living expenses, over a 3 to 5 year period.

At the end of the approved reorganization, the balance of unpaid debts generally will be discharged and you will be free of your obligations.

At BLC Law Center, we are happy to work with you to determine if a reorganization is the best way for you to eliminate and deal with your debts. Some of our attorneys used to work for the Chapter 13 trustee and they know exactly what works and how to get your plan approved by the Court. Of course, bankruptcy attorney San Diego California will look at the debts you owe and advise you as to which form of bankruptcy filing is appropriate.

How can we help?

If Chapter 13 is a viable resolution to your current challenges, bankruptcy lawyers in San Diego California will aid you in forming a repayment plan that best suits your current income situation. After we formulate a plan that works for you, we file it with the court. It is reviewed by the Chapter 13 trustee and the court decides whether the plan is fair and meets all the requirements of the law. If so, the courts will approve and oversee the plan, ensuring that your creditors are paid while you are able to handle the monthly payments more easily. Call our office at 1-800-551-7922 in order to let our professional chapter 13 lawyers examine your situation .

Why Choose Chapter 13 over Chapter 7 Bankruptcy?

In most cases, your repayment starts within 30 to 45 days of filing your case, and the overall plan typically lasts three to five years. So why would you choose Chapter 13 over Chapter 7 when Chapter 7 in  San Diego quickly gets you a discharge of your debts? Simple. Generally, Chapter 13 is used by people that want to save their home or property from foreclosure, but they need time to pay back the lender.

Sometimes people owe taxes that they can’t pay and San Diego chapter 13 San Diego California Bankruptcy Attorney is very experienced in guiding clients through all of these situations and our lawyers been doing it for a long time. For the right cases, Chapter 13 can prove highly beneficial. It can stall foreclosures, positively work with debts not discharged under Chapter 7 bankruptcy, and get debt collection agencies or the IRS to leave you alone.

San Diego California Bankruptcy Lawyer is the most reviewed and voted best bankruptcy attorney. Allow them time to get the tax man off their back, stop wage garnishments, and pay what they can afford over a longer period of time. And there may also be a few people that have a relatively high income, a lot of debt, but the bankruptcy law (because of the “means test”) won’t allow them to file Chapter 7.

The help you need when you need it most

We are on your side, We work with you to take charge of your debt–and your life–and move toward financial independence.

  • This field is for validation purposes and should be left unchanged.
I was looking for a San Diego bankruptcy lawyer and I found them!! I can't say enough about how professional and helpful They were during a VERY hard time in my life. I thought I was going to lose everything, including my home. They helped to keep my house all my cars and get out from the credit cards the were ruining my life.
I cannot thank the lawyers and staff enough. I would normally never write a review for legal services, however these professionals really deserve the recognition. If you are facing any type of financial troubles, I would definitely call them. I highly recommend them!
Ahren Tiller and the Bankruptcy Law Center were excellent. From the moment we walked in the door they were great with us. They do not push bankruptcy on you...they try to help and if there are other options before bankruptcy, they let you know.

Check Out Our Recent Reviews

Ready To Eliminate Your Debt?

Bankruptcy is still the best option. Other debt plans make promises, but only bankruptcy delivers.

Call us at 619-207-4579