Chapter 13 Bankruptcy Lawyer in California
Over 22 Years of Experience in the Hayward-Castro Valley Area
If you are struggling to meet your monthly obligations, but you don't qualify for the discharge of debts under Chapter 7, or you want set up new payment arrangements so that you can keep all your assets, you want an experienced Chapter 13 bankruptcy attorney to guide you through the process. As you work with creditors to negotiate new payment plans, you want a lawyer who knows the law and who stand up for you, so that your interests are protected.
At the Law Offices of Matthew M. Spielberg, with offices in Castro Valley and Twain Harte, we offer over 22 years of practice experience to clients throughout the East Bay and the Tri-Valley area. We have focused our representation exclusively on bankruptcy and bankruptcy-related matters since 1990. Attorney Spielberg has been certified as a bankruptcy specialist by the California Board of Legal Specialization since 1997. Contact our office or call us at the numbers listed below to arrange a confidential consultation.
Our Chapter 13 Practice
We handle all matters related to a Chapter 13 bankruptcy filing, preparing and submitting any documents required during the process and acting as your advocate with creditors, the bankruptcy trustee and the bankruptcy court. We will carefully review any proposed repayment agreements to make certain they are within your means. If you enter into an agreement and fail to abide by its terms, you can lose the protection provided by the bankruptcy law.
Some of the benefits we can bring to you through Chapter 13 reorganization include:
- An immediate end to harassing phone calls, threatening letters and legal action to collect any debt you owe.
- You may be able to force your mortgage holder to accept payments over the 5 year period established by the bankruptcy law, so that you stop foreclosure and avoid the need to pay off your mortgage in full.
- You don't have to pay your creditors in full, but can establish reduced payments under a formula developed by Congress.
- Under the current law, you may be able to discharge unsecured debt.
- You can avoid tax liens by paying non-dischargeable taxes back over a period of 5 years.
We can also help you reduce the principal balance on debts for automobiles, furniture and household goods by using a process known as a "cram down," where the amount owed is reduced to the current market value of the goods.
To set up a meeting to discuss your bankruptcy needs or alternatives to bankruptcy, contact us or call our office at 510-886-5751 (in Castro Valley) or 209-586-0250 (in Twain Harte). We keep flexible hours at our Castro Valley office and schedule weekend appointments at our Twain Harte office.