REORGANIZING DEBT THROUGH CHAPTER 13

If your income is too high to qualify for Chapter 7 bankruptcy, or you’ve filed a Chapter 7 within the last eight years, or you have assets that would not be protected under Chapter 7, you may still have the opportunity to get debt relief through Chapter 13.
At Comfort Law Office in San Mateo, California, we help residents throughout the Bay Area resolve their financial problems. With more than 34 years of experience in bankruptcy law, our firm has represented thousands of clients in Chapter 13 bankruptcy, also known as “reorganization” or “wage earner’s” bankruptcy.
Through Chapter 13, we can prevent or stop foreclosure of your home, car repossession and wage garnishment. We can help you keep your property and put an end to creditor harassment.

WHY CHAPTER 13?

If you have filed for bankruptcy within the past eight years or a significant portion of your debt is tax or secured debt, Chapter 13 may be a better option for you than Chapter 7. Through Chapter 13 we can help you lower your monthly payments on your debt and stop interest and penalties on tax debt. We will work with you to create a debt repayment plan spread over three to five years. We can also help you eliminate or minimize your credit card debt, pursuing the best possible outcome for you.

CAN I FILE FOR CHAPTER 13 AS A BUSINESS OWNER?

If you’re a sole proprietor, and your debt is within the eligibility guidelines set by the bankruptcy code, we can assist you by filing a Chapter 13 resulting in what is usually a substantial decrease in your monthly debt service. This could enable you to continue to make a profit to meet your personal as well as business needs.
If your business is a corporation or limited liability company, your business does not qualify for Chapter 13. Because business cases can be more complex, we urge you to contact our office for a “no charge” initial consultation with the founding attorney, Mike Comfort.