chapter 13 bankruptcy<\/a> the client commits to a 3 to 5-year repayment plan in which disposable income is paid to a court-appointed Trustee. At the conclusion of this 3 to 5-year repayment plan, the client receives a discharge of certain unsecured debts. Moreover, some secured debt interests can be modified through chapter 13 bankruptcy. For instance, the secured debt on old cars may be “crammed down” to the vehicle’s fair market value, and underwater second mortgages can be eliminated.<\/p>\nChapter 13 bankruptcy is a very complicated form of bankruptcy that requires the submission and court confirmation of a chapter 13 repayment plan. Accordingly, clients cannot and should not attempt to file chapter 13 bankruptcy pro se<\/em>. If you are unsure whether chapter 13 bankruptcy is your best debt-relief option call Michael Benavides for a free consultation.<\/p>\n","protected":false},"excerpt":{"rendered":"Filing bankruptcy in Mendocino County can be difficult. With few affordable bankruptcy attorneys available, many Mendocino County residents are forced to look elsewhere for cost-effective representation. Fortunately, bankruptcy lawyer Michael Benavides represents Mendocino County residents in chapter 7 bankruptcy for only $900 in attorney fees. To learn more call bankruptcy lawyer Michael Benavides at (707) […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":""},"_links":{"self":[{"href":"https:\/\/santarosabankruptcy.us\/wp-json\/wp\/v2\/pages\/510"}],"collection":[{"href":"https:\/\/santarosabankruptcy.us\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/santarosabankruptcy.us\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/santarosabankruptcy.us\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/santarosabankruptcy.us\/wp-json\/wp\/v2\/comments?post=510"}],"version-history":[{"count":5,"href":"https:\/\/santarosabankruptcy.us\/wp-json\/wp\/v2\/pages\/510\/revisions"}],"predecessor-version":[{"id":876,"href":"https:\/\/santarosabankruptcy.us\/wp-json\/wp\/v2\/pages\/510\/revisions\/876"}],"wp:attachment":[{"href":"https:\/\/santarosabankruptcy.us\/wp-json\/wp\/v2\/media?parent=510"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}