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chapter 13

Can You Pay Off Your Chapter 13 Bankruptcy Plan Early?

Filing for bankruptcy under Chapter 13 is a difficult decision that can affect your finances and emotional well-being for years to come. Chapter 13 bankruptcy allows debtors to pay a portion of their debt over a period of time. If you are currently in a Chapter 13 bankruptcy plan, you may be wondering if you…

What Can You Do if You Cannot Keep Up With Chapter 13 Bankruptcy Plan Payments?

If you filed for Chapter 13 bankruptcy but are struggling to keep up with the payments outlined in your debt repayment plan, you may not know what you can do to resolve the issue. Fortunately, there are several options available for those who cannot make their Chapter 13 bankruptcy plan payments that can help ease…

How Long Does Chapter 13 Bankruptcy Take?

When it comes to filing for bankruptcy, the process can be daunting, especially when you do not understand how it works and have no idea what to expect in the coming days, weeks, and months. It is vital to have a thorough understanding of the filing process and know what happens after you file for…

What are the Benefits and Drawbacks of Paying Off a Chapter 13 Bankruptcy Plan Early?

The decision to file for Chapter 13 bankruptcy is one that should not be taken lightly. It will take a lot of hard work and dedication, but it can be very beneficial in the long run. One crucial question to consider when considering Chapter 13 is whether there are any benefits and drawbacks associated with…

How to Go From Chapter 7 Bankruptcy to Chapter 13 & Vice Versa

Depending on your financial situation, you may find that converting from one type of bankruptcy to another is the best option for you. If you are considering filing for bankruptcy, it is important to understand the differences between Chapter 7 and Chapter 13 bankruptcy and when it might be beneficial to convert from one type…

Can I File for Bankruptcy if I am Unemployed?

People who file for Chapter 7 bankruptcy must meet certain income qualifications. In most¬† cases, debtors who fail to meet income requirements do not qualify for Chapter 7. People with higher income levels often must pursue a repayment plan under Chapter 13 to take control of debt. People who are currently unemployed or who have…

Tips on Navigating Chapter 13 Bankruptcy as a Business Owner

No two bankruptcies are the same. While there are some cases where the person or business pursuing bankruptcy must liquidate assets as in Chapter 7 bankruptcy, other times a person might end pursuing Chapter 13 bankruptcy which means they need not worry about selling anything. Instead, Chapter 13 bankruptcy involves restructuring and reducing the amount…

Buying a House While in Chapter 13 Bankruptcy

Despite the economic downturn brought on by the coronavirus pandemic, low mortgage rates remain an attractive option for many people considering buying a house. Even if you are in the middle of a Chapter 13 bankruptcy repayment, you might still be able to obtain a mortgage loan and buy a new home. While there are…

Reaffirmation Agreement

There are features of Chapter 7 bankruptcy and Chapter 13 bankruptcy that are similar and some that are quite different. A significant similarity is the automatic stay under Section 362 of the United States Bankruptcy Code, or Code, wherein a bankruptcy filing stays, or stops, creditors from taking collection action against the debtor. When this…

Divorce and Bankruptcy

Financial stress can take a toll on relationships. Those in the Bay area may remember a time when, typically, the husband worked a 9-5 job while the wife stayed at home and took care of the children and the house. They would go on family outings on weekends year round. Women who worked often provided…

"Melanie is the best she very responsive and helpful throughout the process everything was taken care of smoothly. If you are thinking of going through bankruptcy she is the best attorney for you. I will forever be grateful having the chance to work with her. She is very honest too."

Sandhya.

"I can't thank Melanie enough for helping me through a challenging process and doing so with incredible knowledge, professionalism and tenacity! She went to great lengths to keep me informed, she responded quickly to my questions, and communicated in terms that I could understand. I highly recommend getting in touch with Melanie should you have the need."

Carrie.

"Choosing to work with Atty. Melanie has been one of the best decisions I've ever made. She was a very patient professional to work with and attentive while providing valuable solutions to all of my concerns. If you are searching for of an Attorney who is knowledgeable, transparent, and diligent - well that's Atty. Melanie."

Marwin.

"What I liked about working with Melanie was how prompt and easy to work with she was. She made the process clear and understandable with as little stress as possible. I would work with her again and recommend her to others."

Ryan.