Elk Grove California Chapter 13 Bankruptcy Lawyer
Over 20 Years of Experience in Chapter 13 Proceedings
If you are struggling to make ends meet, filing for protection under the federal bankruptcy laws may be all you need to get a fresh start. If you are behind on your mortgage payments or even facing foreclosure, a bankruptcy filing can help you keep your home. The simple act of filing for bankruptcy protection can stop the harassing phone calls and letters and give you the breathing room you need to take control of your financial situation.
At the office of Jason Borg & Associates, Inc., we bring over 20 years of experience to individuals throughout the Sacramento area who can benefit from filing for protection under Chapter 13 of the federal bankruptcy laws. We focus our efforts on building long-term relationships with our clients, taking the time to get to know you and carefully listen to your concerns, so that we can help you implement solutions that meet your needs. Contact our bankruptcy law office or call us at 916-226-4752 (toll-free at 866-237-9454) to set up an initial consultation.
“Thank you Jason for your prompt attention to my bankruptcy. I feel a huge weight lifted from my shoulders.” – Client from Sacramento, California
Our Chapter 13 Bankruptcy Practice
If you do are ineligible for the discharge of debts under Chapter 7 or you prefer to repay your creditors over time, we can help you alleviate the stress and anxiety that come with financial challenges by seeking the protection under Chapter 13. In a Chapter 13 proceeding, you agree to repay your creditors — in whole or in part — over a three to five year period. Chapter 13 may allow you to remove a second mortgage on your home. Filing a petition invokes the automatic stay, meaning your creditors are prohibited from calling you, sending you letters, or taking any other action to attempt to collect the debt.
We will handle all matters involved in the Chapter 13 proceeding, preparing and filing the initial petition, as well as any documents requested by creditors, the bankruptcy trustee or the Bankruptcy Court. We will help you prepare a repayment plan for the approval of the court. Rely on our experience when establishing a feasible repayment plan that complies with the bankruptcy laws.
We will also act as your advocate in all proceedings or meetings with creditors, the trustee or the court. Our representation lasts throughout the repayment plan period; we can help you convert or modify a repayment plan at any stage of the process.
We will also provide you with a list of approved credit counseling agencies and you are free to select a convenient agency to fulfill the counseling required under the bankruptcy laws.