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Chapter 13

Chapter 13 Bankruptcy Attorney in Encino

How Our Chapter 13 Attorneys Can Help You Achieve Financial Relief

Navigating the complexities of Chapter 13 bankruptcy can be daunting, but at RHM LAW LLP, we are here to provide clear and compassionate guidance. Our team, featured prominently in the Encino area, offers professional assistance tailored to your unique financial circumstances. With over 20 years of experience and more than 7,500 bankruptcy cases handled, we stand ready to support both individuals and small businesses as they restructure their debt and gain a fresh financial start.

Our approach is client-focused, ensuring that we fully understand your financial situation before crafting a customized repayment plan. We are committed to staying updated with the latest laws and regulations, which allows us to offer insightful advice and robust representation throughout every step of the bankruptcy process. Whether you're dealing with mounting credit card debt, medical bills, or the threat of foreclosure, our attorneys provide a lifeline that can help secure your financial future.

Struggling with debt? Speak to a trusted Chapter 13 lawyer. Contact us online or call (213) 344-0043 for your free 30-minute consultation. Se habla Español. Services are also available in Farsi.

Understanding Chapter 13 Bankruptcy

Chapter 13 bankruptcy allows debtors to keep their assets while repaying creditors over time, typically three to five years, under a court-approved plan. This type of bankruptcy is especially beneficial for those who have a regular income but need a structured arrangement to manage their debts effectively. In Encino and the wider Los Angeles County, bankruptcy cases are handled by the United States Bankruptcy Court, Central District of California, ensuring your proceedings are managed locally.

Engaging with the local legal environment is crucial for a successful Chapter 13 filing. Our team leverages its understanding of regional nuances and court preferences to provide strategic guidance. We assist with the necessary paperwork, courtroom representation, and negotiations with creditors, creating a holistic approach that addresses the immediate problems and lays the groundwork for sustained financial health.

Why Choose Our Chapter 13 Bankruptcy Lawyers?

Choosing RHM LAW LLP means opting for a partner that prioritizes your peace of mind through informed decision-making. Our commitment to accessibility, including same-day consultations in English, Spanish, and Farsi, ensures we accommodate a diverse clientele. Our deep understanding of local bankruptcy regulations allows us to navigate the specific challenges you might face in Encino, providing a seamless bankruptcy filing experience.

We go beyond standard legal representation by fostering a supportive environment where clients feel empowered to share their concerns and goals. Our tailored strategies focus on long-term solutions, helping you prevent future financial issues while addressing current debts. With flexible appointment options, including video consultations, we ensure that your journey through bankruptcy is as stress-free and convenient as possible.

Our qualified Chapter 13 bankruptcy attorney is here to assist you. Call (213) 344-0043 or use our online form to schedule your free 30-minute consultation without delay.

Frequently Asked Questions

What Are the Benefits of a Chapter 13 Bankruptcy?

Chapter 13 bankruptcy can be advantageous for individuals with a steady income who wish to retain their property and manage debts over time through a repayment plan. This type of bankruptcy can help stop foreclosure, prevent repossession, and protect co-signers. Additionally, it consolidates debts into a single, manageable monthly payment. By working with an experienced Chapter 13 bankruptcy lawyer in Encino at RHM LAW LLP, the advantage of a structured approach that eases financial burdens and lays the foundation for future financial stability.

Unlike other types of bankruptcy, Chapter 13 allows for the adjustment of secured debts, making it possible to save your home from foreclosure or your car from repossession. Furthermore, it may also allow for the discharge of unsecured debts at the end of the repayment plan, providing broader protection than immediate liquidation options. This process is ideal for those who wish to fulfill their debt obligations while preserving their assets.

How Does Chapter 13?

In Encino, Chapter 13 bankruptcy follows the federal guidelines set by the U.S. Bankruptcy Court, Central District of California. Our attorneys will assist you in preparing and submitting a repayment plan proposal that the court must approve. This plan should show how you will use your income to pay off existing debts over the agreed term. Our team ensures that every step, from filing to court appearances, aligns with local legal requirements, providing you with a streamlined and stress-free experience.

The process begins with submitting a detailed statement of your financial affairs, including your income, assets, liabilities, and expenses. Court approval hinges on the feasibility and fairness of your proposed repayment plan. With guidance from a skilled Chapter 13 attorney at our firm, you can confidently navigate the legal proceedings, ensuring compliance with all necessary submissions and deadlines, which is crucial for preventing any potential delays or dismissals of your case.

Am I Eligible for Chapter 13 Bankruptcy?

Eligibility for Chapter 13 bankruptcy requires you to have a regular income and your secured and unsecured debts must be within specific limits. Our team will review your financial situation to determine if you qualify. We will discuss your debts, assets, and income to tailor a plan that meets both your needs and those of your creditors. Being informed about your eligibility and understanding the nuances of the local court's preferences are crucial to a successful filing and repayment strategy.

Chapter 13 is a suitable option for individuals who have fallen behind on loan payments but wish to retain ownership of their property. Security comes from restructuring your debt through a plan that suits your budget, ensuring protection from wage garnishments and collection attempts during the repayment period. Find out if you're eligible by speaking with a qualified Chapter 13 bankruptcy lawyer at RHM LAW LLP. Our lawyers will evaluate your specific financial challenges and help you make informed decisions about the best bankruptcy options available to you.

What Makes RHM LAW LLP Different?

At RHM LAW LLP, our differences lie in our dedication to personalized service and our deep roots in Southern California. With the capability to conduct consultations in multiple languages and offer flexible, same-day appointments, we aim to address the urgent needs of our clients efficiently. Our extensive experience in the Encino area enables us to provide informed guidance tailored to our clients' financial circumstances, ensuring an effective and personalized approach to each case.

Our track record of success in handling Chapter 13 bankruptcies is founded upon a client-first philosophy. We focus on building lasting relationships by providing comprehensive support and clear communication throughout the bankruptcy process. Every member of our team is committed to delivering compassionate service, ensuring you feel heard, respected, and equipped to regain control over your financial future.

How Quickly Can My Chapter 13 Bankruptcy Be Filed?

Our priority is to offer fast, efficient service to alleviate financial distress as soon as possible. Typically, once your paperwork is in order, we can file your Chapter 13 bankruptcy papers swiftly. This timeliness is crucial in stopping foreclosures or garnishments immediately upon filing. At RHM LAW LLP, we ensure that our clients' needs are met promptly, supported by a seamless process backed by our extensive legal knowledge and experience.

We understand that speed is often of the essence, especially when pressures such as court-ordered actions loom. Our streamlined processes, reinforced by thorough preparation and proactive communication, enable us to act quickly and decisively. Should emergencies arise, our team is ready to advise and act promptly, demonstrating a commitment to meeting your immediate and long-term needs with efficiency and care. Reach out to a professional Chapter 13 bankruptcy attorney right away.

Ready to Take Control of Your Financial Future?

If you're ready to take control of your financial future, RHM LAW LLP is here to help. Our supportive and skilled legal team will guide you through every step of the Chapter 13 process, offering the peace of mind and financial relief you deserve. Contact us as soon as possible by calling (213) 344-0043. We’re committed to helping you reclaim financial stability through compassionate, professional legal support, ensuring that bankruptcy serves as a fresh start rather than an endpoint.

Our approach is rooted in understanding your individual financial goals and hurdles, delivering a strategy that is tailored to achieve positive long-term results. Contact us to learn how our services can provide you with the clarity and confidence needed to move forward with assurance. Let us accompany you on your journey to financial recovery, emphasizing transparency, support, and tangible outcomes every step of the way.

Need help reorganizing your debt? Speak with a skilled Chapter 13 bankruptcy attorney. Call (213) 344-0043 or contact us online for trusted legal guidance.

RHM LAW LLP

Meet Our Los Angeles Bankruptcy Specialists

Client Reviews

What Clients Say About Working With Us

Serving Encino, CA Since 2018

    "We are very happy that you were able to accomplish the modification of our loan in such a short period of time. Thank you again for your professional service."

    Dear Mr. Resnik: We wanted to thank you for your professional handling of our loan modification with GMAC mortgage. We are very happy that you were able to accomplish the modification of our loan in such a short period of time. Thank you again for your professional service.

    - W and B Mejia
    "Without the support of pro bono attorneys we couldn't do all the work we need to do, and your firm in particular is outstanding."

    Thank you for your great work on behalf of Ms. Johnson. Without the support of pro bono attorneys we couldn't do all the work we need to do, and your firm in particular is outstanding.

    - Skip K.
    "He made me feel like I had options, all was not lost, and I could rebuild my credit."
    Matt is the best bankruptcy attorney in Sherman Oaks. I consulted with Matt over a chapter 7 bankruptcy. I had issues with overwhelming credit card debt after Chase increased it's APR for no reason. It set off a chain of events that were really hurting me. He made me feel like I had options, all was not lost, and I could rebuild my credit after the 7. I had some concerns about a piece of property I was having issues with and Matt also turned out to be a real estate lawyer as well! I recommend this office to anyone who is unsure of their financial situation. It doesn't hurt to find out your options.
    - Max B.
    "As the dank blanket of economic uncertainty continues to depress the hopes of many of us, I keep your business cards and number available for others."
    This is to thank you for the exceptional work of you and your fine staff. In managing my bankruptcy and loan modification, a nearly five-year effort, your performance was stellar. I never felt alone or adrift, key concerns in those circumstances. The outcome was outstanding. As the dank blanket of economic uncertainty continues to depress the hopes of many of us, I keep your business cards and number available for others. Without hyperbole, I can attest that you are present a beacon. Thank you so much.
    - K.C.
    "Matt and his staff conducted themselves with professionalism throughout the whole ordeal."
    I worked with Matt and his team for about a year to get through the paperwork shuffle and my personal experience was nothing short of fantastic. Legal situations have a tendency to get hairy, but Matt and his staff conducted themselves with professionalism throughout the whole ordeal. To keep it short, let's just say he under-promised and over-delivered.  Rarely would I ever say this about an attorney, but overall he was just a great guy. I would not hesitate to have him on my side of the courtroom again. World market is right across the street from his office and I even decided to get his staff a thank you / holiday gift card.  World market has excellent craft beer BTW, try the Einstock White Ale. They also validate parking. That just shows this isn't a fake review.
    - Dean C.
    "I cannot thank them enough for helping save my home. I would recommend them for anyone that is thinking about filing for bankruptcy or foreclosure on their home."
    I needed a bankruptcy attorney in Sherman Oaks and found Matt Resnik on Google. He has one of the best-reviewed bankruptcy law firms on Yelp so I decided to check it out his law firm for myself. I quickly found out that they are foreclosure specialists and they could help me with my issue. They made the process very easy for me and laid out my options for me. I cannot thank them enough for helping save my home. I would recommend them for anyone that is thinking about filing for bankruptcy or foreclosure on their home. They are the best bankruptcy law firm in Sherman Oaks.
    - Joseph R.
    "They were thorough, extremely knowledgeable, wonderful to deal with, thoughtful, and really helped guide me through what was one of the toughest times in my life."
    Matt and his team are the best!!  They were thorough, extremely knowledgeable, wonderful to deal with, thoughtful, and really helped guide me through what was one of the toughest times in my life. I never felt judged or looked down on. They were efficient and really were lifesavers during this tough time. I can not recommend them highly enough!!!!
    - Rusty H.
    "These are top-notch pros that'll have your back. I cannot recommend them highly enough."
    Where to begin? I had a vile evil credit union repo my car over a misunderstanding, they wouldn't work with me even when I offered full payment plus repo fees (this was my first repo!) so I didn't know what to do. I met with a few lawyers but when I met with Simon he broke things down and gave me my options. I needed a car - so I filed BK and included the car to get it back. The evil credit union fought and Simon GOT ME MY CAR BACK!!! His team is amazing!!!! Maria Donna etc!!! These are top-notch pros that'll have your back. I cannot recommend them highly enough. Sincerely they saved my life. LA with no car!? ARGH!!!!!! *THANX ALL!!!!
    - Tim C.
    "I filed bankruptcy with this firm 3 years ago and found that they are professional, friendly, and compassionate."
    I filed bankruptcy with this firm 3 years ago and found that they are professional, friendly, and compassionate. I also met with their loan modification department. Unfortunately, they were unable to help because of the type of loan that I have. I really appreciated that they did not lie, waste my time, or take my money in an attempt to modify a loan that was not doable. I've since used their firm for a couple of minor issues and found all of the attorneys to be knowledgeable and considerate. Attorneys Simon and Resnik are amazing!
    - Shannon J.

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