
Chapter 13 Bankruptcy Lawyer in San Fernando
Multilingual Bankruptcy Support for Southern California Clients
Struggling with overwhelming debt can feel like there’s no way out, but Chapter 13 bankruptcy offers a powerful solution to regain control of your finances. Serving clients across San Fernando and Southern California, RHM LAW LLP specializes in helping individuals create manageable repayment plans to protect their assets, including their homes. Our Certified Bankruptcy Specialists have decades of experience exclusively handling cases, ensuring accurate paperwork and stronger chances of approval. With services in English, Spanish, and Farsi, our compassionate team provides guidance tailored to your unique situation. Recognized among the top 5% of law firms, we’re here to support your path to financial stability.
Facing debt struggles? Speak with a Chapter 13 bankruptcy attorney today. Call (213) 344-0043 or contact us online for your free 30-minute consultation now!
Understanding Chapter 13 Bankruptcy
Chapter 13 bankruptcy, often referred to as a wage earner's plan, allows individuals with regular income to structure a repayment plan to pay off debts over a three to five-year period. This bankruptcy form is particularly beneficial for those who wish to prevent foreclosure on their homes. In San Fernando, the process of filing for Chapter 13 bankruptcy involves specific legal procedures and requirements that need to be closely followed to ensure success.
At RHM LAW LLP, we are dedicated to guiding you through the complexities of Chapter 13 bankruptcy in San Fernando. With over 7,500 cases under our belt, our experience equips us to offer knowledgeable and empathetic support, ensuring that you are not alone during this challenging time. We recognize the anxiety that comes with financial uncertainty and are committed to providing clarity and reassurance through every step of the bankruptcy process. Connect with an experienced Chapter 13 bankruptcy lawyer near you for guidance as soon as possible.
How Chapter 13 Bankruptcy Works
Filing for Chapter 13 bankruptcy involves submitting a detailed proposal to repay creditors over an extended period while retaining assets such as your home and car. Unlike Chapter 7, which involves liquidating assets, Chapter 13 focuses on reorganization, making it an ideal solution for those with substantial income but temporary financial setbacks.
San Fernando residents may find that bankruptcy laws and court procedures are intricate, requiring precise compliance and careful navigation. Understanding the filing process, attending required meetings of creditors, and working within local legal frameworks are essential for successful case outcomes. This is where experienced legal guidance becomes invaluable, helping to interpret specific laws that could influence your bankruptcy plan.
Our team offers same-day consultations, providing prompt service to protect your interests swiftly and effectively. Reach out to a qualified Chapter 13 bankruptcy lawyer in San Fernando right away.
Benefits of Filing for Chapter 13 Bankruptcy
Opting for Chapter 13 offers several benefits, particularly in San Fernando, where cost-of-living considerations impact financial stability. Understanding these benefits helps create a tailored bankruptcy plan that addresses your specific needs.
- Stop Foreclosure: One of the most critical advantages of Chapter 13 is the opportunity to keep your home. The automatic stay provision halts foreclosure proceedings, allowing you to catch up on mortgage payments over your plan's duration.
- Consolidate Debts: Chapter 13 allows for combining various debts into a single manageable monthly payment, often at reduced interest rates.
- Protect Assets: Maintain possession of valuable property while still fulfilling debt obligations under court-approved terms.
In San Fernando, high property values and living costs underscore the importance of shielding assets through smart financial strategies. The ability to systematically address debts without losing the cornerstones of your life—your home and livelihood—can be pivotal in rebuilding your financial standing. Our team at RHM LAW LLP provides clear, strategic advice designed to maximize these benefits, helping you regain control of your financial future. Speak with a Chapter 13 bankruptcy lawyer as soon as you can.
Don’t wait to address your legal needs—connect with a skilled Chapter 13 lawyer. Call (213) 344-0043 or get in touch with us to book your consultation.
Chapter 13 Frequently Asked Questions
What Is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy is a legal strategy that allows individuals to repay all or part of their debts under a structured plan that spans three to five years. It's particularly suitable for individuals with regular income who wish to keep non-exempt property like a home or car. By reorganizing debt and halting foreclosure processes, Chapter 13 provides a viable path to financial recovery while protecting assets. In San Fernando, additional considerations include housing market trends and local economic factors that could affect property-related decisions during bankruptcy.
What Debts Can Be Included in a Chapter 13 Plan?
Chapter 13 bankruptcy allows you to include secured debts like mortgages or car loans, priority debts such as taxes or past-due alimony, and unsecured debts like credit cards or medical bills. It organizes these into a manageable repayment plan. To understand what can be included in your specific situation, consult a trusted Chapter 13 bankruptcy attorney near you for personalized guidance and support tailored to your needs.
Can Filing for Chapter 13 Stop Creditor Harassment?
Yes, filing for Chapter 13 bankruptcy triggers an automatic stay, which immediately prevents creditors from pursuing collection actions, including harassment, lawsuits, garnishments, and foreclosures. This pause provides relief and a chance to reorganize your finances without the stress of pending creditor actions. In San Fernando, this can mean immediate respite for residents facing aggressive debt collectors, allowing time to focus on structured repayments and the rebuilding of financial health with a supportive legal framework guiding each step.
What Happens If I Miss a Payment in Chapter 13?
Missing a payment in Chapter 13 can jeopardize your repayment plan, potentially leading to dismissal of your case. However, courts may allow modifications if you face unforeseen financial hardships. It's crucial to act quickly by consulting a Chapter 13 attorney to explore options such as restructuring your plan or requesting a temporary payment suspension. Prompt action helps protect your case and ensures you stay on track toward financial stability.
How Does Filing for Chapter 13 Affect My Credit Score?
Filing for Chapter 13 may lower your credit score initially, as it shows on your credit report for seven years. However, it can offer long-term benefits by resolving debts and preventing further negative marks like foreclosures or missed payments. Over time, responsible financial habits can rebuild your score. Consult a Chapter 13 bankruptcy attorney to understand how this impacts you and to develop a plan for rebuilding your financial health.
Take Control of Your Financial Future Now
Our team at RHM LAW LLP is ready to assist you on your path to financial recovery through Chapter 13 bankruptcy. Our compassionate, personalized approach is designed to provide clarity and confidence throughout the process. Scheduling a same-day appointment with us ensures you receive the guidance you need promptly.
Contact a Chapter 13 attorney at (213) 344-0043 to start your journey toward financial stability and relief. Benefit from a proven track record of success and a dedicated team that understands both the legal and emotional complexities of bankruptcy. Let us help you regain control of your financial future today.
Get the support you need from our skilled Chapter 13 bankruptcy attorney in San Fernando. Reach out via online form or dial (213) 344-0043 now to book your consultation.

RHM LAW LLP
Meet Our Los Angeles Bankruptcy Specialists
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M. Jonathan Hayes Senior Counsel
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Matt D. Resnik | Partner Partner
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Roksana D. Moradi-Brovia | Partner Partner
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Russell J. Stong III | Associate Attorney Senior Associate Attorney, Los Angeles Office
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W. Sloan Youkstetter | Associate Attorney Senior Associate Attorney, Los Angeles Office
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David M. Kritzer Senior Associate Attorney, Encino Office

Client Reviews
What Clients Say About Working With Us
Serving Encino, CA Since 2018
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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.
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Was very impressed with the comprehensive professionalism of the firm, especially Matthew Resnik... I had suffered through the incompetence of two previous bk lawyers not to mention fees far greater than anticipated, without resolution. Having never gone through bk before, I did not realize how difficult it could be...then, my case was turned over to Mr. Resnik...almost immediately there was a marked positive difference. Where there was little to no communication, all of a sudden I am getting updates...regularly. Further, my case was finally discharged...yet, Mr. Resnik continues to communicate, offer assistance...and, has NEVER asked for additional fees, which I am sure he could have justified...much unlike the two previous attorneys with which I was dealing. I have no reservations, whatsoever, referring and recommending Matthew Resnik for any and all business or personal bk issues...or, other wise. I have no doubt that he will be transparent on helping you regardless of the problem. Good guy.. good firm... a wonderful experience!
- G.L -
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.
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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.
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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.
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Fantastic office! I want to thank Matt for taking his time with me and sincere in his assistance. He spent over an hour with me for free during our initial consult. I left knowing exactly what's needed. He not only saved my house but also got rid of all my debt. They are not your typical attorneys and their creativity really allowed me to do things that other attorneys never mentioned in previous consults. Affordable and Outstanding firm and thank you for all you have done! My family thanks you!- David K.
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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.
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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 -
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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A Summary of Bankruptcy Law: Third Edition
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Summary of Chapter 13