Chapter 13 Bankruptcy
The Law Offices of Sheila Esmaili can help you get the fresh start you deserve! Have you lost your job and have no way to pay your bills? Are you paying the minimums on your credit cards but unable to make ends meet? Have you already tried credit counseling, but still can't make ends meet? Are you being hounded by collectors? Are you being sued by your creditors (or companies you never heard of on old debts you thought had been written off)? Are your wages being garnished? Has a foreclosure case been started against you? If you answer "yes" to any of these questions, a Chapter 13 bankruptcy filing may be the solution to help you get the fresh start you deserve.
A Chapter 13 is a repayment plan. Save your house, condo, or your car by filing a Chapter 13.
A Chapter 13 lets you cure arrears (past due debt) over time in a chapter 13 repayment plan. We can work with you to prepare a Chapter 13 plan that will let you keep your assets and pay off your creditors over time. Depending on your income, assets and type of debts, you may only be required to pay a small percentage of the debts you owe.